Struggling to open a checking account in North Dakota due to a negative ChexSystems listing?
While most banks use ChexSystems to review your banking history, there are some that don’t. Additionally, some banks offer second checking accounts.
Non-ChexSystems & Second Chance Banks in North Dakota
We’ve compiled a comprehensive list of North Dakota banks and credit unions that allow anyone to open a checking account, regardless of their banking history.
To qualify for a checking account with American Federal Bank, you’ll need a credit score of 680 or higher, rather than a clean ChexSystems record.
There are quite a few different checking accounts to choose from, but the most basic one (with the least requirements) is called American Free Checking.
There is no monthly fee, plus you get a debit card and unlimited check writing. There’s also no minimum balance requirement, making it an easy account to maintain.
Other free features include direct deposit, online banking, bill pay, and 16 checks when you open your account. American Federal Bank has multiple locations, including Fargo, Grand Forks, Northwood, and Wahpeton.
You could qualify for an account with Capital if you have a credit score of 600 or higher. Their Simple Checking account is free each month, plus requires no minimum balance.
Other free features include a debit card, online banking, mobile banking with check deposit, and bill pay.
CCU has locations across Bismarck, Mandan, Beulah, Hazen, and New Salem. To become a member, you must live within 50 to 75 miles of one of the branch locations.
Dakota Community Bank uses a credit report to approve new applications so you could potentially qualify. If not, you’re allowed to start with a savings account and then open a checking account six months later.
There are multiple checking account options, including Free, Now, Relationship, Relationship+, Student, and Money Market. For a simple account, check out Dakota Free Checking.
Once approved, you’ll get a free check card, plus you get unlimited check writing. There’s no minimum balance and you can even earn interest on the account.
They have branches in Bismarck, Bowman, Dickinson, Glen Ullin, Hebron, Lincoln, Mandan, New Leipzig, and Taylor.
Dakota Plains Federal uses Telecheck rather than ChexSystems to approve new applications so you could potentially qualify. There are two checking options: Kasasa Cash and Kasasa Cash Back.
The Cash Back account comes with no monthly fee and no minimum balance. Plus, as the name implies, you earn 3% cash back on your debit card purchases (up to $7.50 per month). You can also link the account to a Kasasa Saver savings account.
To join, you must live within a 75-mile radius of their home office in Edgeley. You can also qualify if you’re an immediate family member of an existing member of Dakota Plains.
Instead of ChexSystems, First Community accesses your Experian credit report to determine your eligibility for an account. There are five checking options to select from Kasasa Cash, Kasasa Cash Back, E-Z Checking, Reward Checking, and Progressive Checking.
E-Z Checking is ideal if you pay your bills online and want to avoid a monthly service fee and minimum balance. Plus, there’s no minimum opening deposit required to get started.
In order to be eligible to become a member, you must reside in certain areas. Here are the location parameters:
- 75-mile radius of Jamestown, Devils Lake or Portland
- 50-mile radius of Valley City, Oakes, Napoleon, Steele, Bismarck, Wahpeton, and Wishek
- 40-mile radius of Bisbee and Larimore
- Anywhere in Marshall County or Kittson County
Flasher Community relies on a credit report review rather than ChexSystems in order to approve new accounts holders. They offer a single share draft checking account, which includes overdraft protection.
Membership is available to anyone who lives within a 50-mile radius of Flasher. They have one branch location on Main Street in Flasher.
To verify the identity of new account holders, Gate City Bank uses Choice Point, making it a non-ChexSystems bank. There are several checking accounts available, but the easiest account to maintain is Totally FREE Checking.
It takes a $50 deposit to open your account, but from there you won’t need a minimum balance or pay a monthly fee. The account comes with several free features, including an instant debit card, online and mobile banking, Popmoney, and a money management tool.
They will pay you up to $25 when you bring in your check card and unused checks from another financial institution.
You also receive a free gift when opening your account and any time you refer a friend. They have 36 branch locations across North Dakota and west central Minnesota.
You’ll need a proper ID to qualify for an account at Hometown, and they may also pull your credit report. To open a checking account, you must first open a member share savings account and maintain a $5 balance. You’ll receive a Visa debit card with your checking account.
To become a member, you must live within a 75-mile radius of their Kulm office, or within a 50-mile radius of their Hazelton office. There are also branches located in Ashley and Lincoln.
You’ll need a credit score of 600 or higher to qualify for an account with Town and Country. If you do, you’ll choose from Perks, Progress, or Premium Checking, which are tiered by your average daily balance.
Perks Checking is the one you want when you have less than $300 in your account on a daily basis. You could qualify for courtesy pay and overdraft protection with credit approval.
Everyone with this account receives a free debit card and online banking with bill pay. Plus, there’s no monthly fee or minimum balance.
You can qualify for membership if you live in one of the following areas:
- Within a 75-mile radius of Minot, ND
- Within a 50-mile radius of Kenmare, ND
- Within a 50-mile radius of Fargo, ND / Moorhead, MN
Branch locations are in Fargo, Kenmare, Minot, Ryder, Stanley, and West Fargo.
You’ll have your credit report pulled rather than your ChexSystems record when you apply with United Savings. You can choose from Basic Checking or Advantage Checking.
Both accounts include no minimum balance, unlimited check writing, online bill pay, and a MasterCard debit card. Advantage Checking costs $3.95 a month and adds identity theft protection to your account.
To become a member, you must live within a 75-mile radius of United Savings’s Fargo branch.
You’ll get a credit check when you apply with Western State Bank, rather than going through ChexSystems. There are four checking accounts available, including Free Checking.
This option has no monthly fee or minimum balance requirements. You get a debit card and check writing, plus online and mobile checking. All accounts even come with free identity theft protection.
Branch locations include Fargo, West Fargo, and Devils Lake.
Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.
1. Out-of-network ATM withdrawal fees may apply with Chime except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
2. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. Chime generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
7. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or beneﬁts payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, veriﬁcation or trial deposits from ﬁnancial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
Non-ChexSystems Banks by State
Looking for more information and additional options available in your area? Select your state from the list below to explore your options.
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- Washington, DC
- West Virginia