Banks That Don’t Use ChexSystems in North Dakota

The SoFi Checking and Savings account provides a multitude of benefits, including no overdraft fees, balance requirements, or monthly charges.

For a limited time, there’s an enticing sign-up bonus of up to $300 with qualifying direct deposits.

In addition, account holders can utilize 55,000 ATMs free of charge via the Allpoint® Network. Those establishing direct deposit can earn up to 3.80% APY on their savings and 0.50% APY on checking accounts.

Direct deposit users also get the added benefit of early access to their paychecks – up to 2 days ahead.

Current lets you open a mobile bank account without ChexSystems checks or credit pulls. It’s built for speed, flexibility, and getting your finances back on track.

You can build credit just by using your Current debit card—no loans, credit checks, or interest charges involved. There are no monthly or annual fees for this feature.

Current also offers fee-free overdraft protection up to $200, access to over 40,000 Allpoint ATMs, and no minimum balance requirements.

With a Premium account, you can get paid up to two days early with direct deposit. Current also offers up to 4.00% APY through its Savings Pods, which lets you earn interest while keeping your money accessible.

With Chime, bad banking history is not an issue. They offer an award-winning financial app, a checking account with a debit card, and a savings account, all with no credit check.

When you open a Chime Checking Account, you won’t have to worry about monthly maintenance fees, foreign transaction fees, or minimum balance fees.

You can also start building your credit⁷ with the Secured Chime Credit Builder Visa^® Credit Card. It’s a secured credit card with no annual fees, no credit checks, and no interest charges¹.

Chime has over 60,000¹ fee-free MoneyPass® and Visa® Plus Alliance ATMs. Plus, you can get your paycheck up to 2 days earlier with direct deposit². You can also deposit cash for free at over 8,500 Walgreens.

U.S. Bank is now inviting new customers to take advantage of a special online promotion:

• Earn up to $400 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities.
• Subject to certain terms and limitations. Offer valid through May 6, 2025. Member FDIC.
• Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint.

The checking account comes with a free debit card and the option to lock or unlock the card if it’s ever lost or stolen.

Plus, you’ll never have to worry about ATM transaction fees at U.S. Bank ATMs or surcharge fees at over 40,000 MoneyPass Network ATMs.

U.S. Bank uses ChexSystems, but it has a history of being more lenient with records than most banks.

As long as you don’t have a history of fraud, or you don’t owe any money to U.S. Bank, you may be able to open a checking account with them.

The minimum opening deposit for this account is just $25, and the monthly service fee is $6.95. However, you can avoid the monthly fee by maintaining a minimum balance of $1,500 or by having a minimum monthly direct deposit of $1,000.

Upgrade doesn’t pull your ChexSystems report, but they do look at your credit report.

The Upgrade Rewards Checking account has no monthly fees and no overdraft fees. You’ll also get a free Visa debit card, and up to 2% cash back on everyday debit card purchases.

The Upgrade Premier Savings account delivers an impressive 4.02% APY, giving you a remarkable opportunity to grow your savings faster.

You’ll get access to over 55,000 fee-free ATMs through the Allpoint network, including Walgreens and CVS locations. Plus, checking account customers can qualify for up to 20% lower rates on Upgrade loans and credit cards.

Their most basic option, American Free Checking, has no monthly fee, no minimum balance requirement, and offers unlimited check writing.

You’ll also get a debit card, free direct deposit, online banking, bill pay, and 16 free checks when you open your account.

American Federal Bank has multiple locations, including Fargo, Grand Forks, Northwood, and Wahpeton.

Their Simple Checking account is free with no monthly fee or minimum balance requirement. You’ll also get free features like a debit card, online banking, mobile banking with check deposit, and bill pay.

Capital Credit Union has locations in Bismarck, Mandan, Fargo, Flasher, Beulah, Hazen, and New Salem. To become a member, you must live within 50 to 75 miles of one of these branches.

If not, you can start with a savings account and then open a checking account after six months.

They offer several checking options, including Free, Now, Relationship, Relationship+, Student, and Money Market. For a simple option, Dakota Free Checking is a great choice.

Once approved, you’ll receive a free check card, unlimited check writing, and no minimum balance requirement. You can also earn interest on the account.

Dakota Community Bank has branches in Bismarck, Bowman, Dickinson, Glen Ullin, Hebron, Lincoln, Mandan, Mobridge, New Leipzig, Richardton, and Taylor.

They offer two checking options: Kasasa Cash and Kasasa Cash Back.

The Kasasa Cash Back account has no monthly fee, no minimum balance, and allows you to earn 3% cash back on debit card purchases (up to $7.50 per month). You can also link this account to a Kasasa Saver savings account.

To join, you must live within a 75-mile radius of their home office in Edgeley or qualify as an immediate family member of an existing member.

Dakota Plains has branch locations in Bison, Faith, Hettinger, Lemmon, and Pierre.

With five checking options available, E-Z Checking is a popular choice, offering no monthly service fees, no minimum balance, and no minimum opening deposit.

To be eligible for membership, you must live within specific location parameters, such as a 75-mile radius of Jamestown, Devils Lake, or Portland, or within a 50-mile radius of other cities in North Dakota.

First Community has branches in the following North Dakota cities: Bismarck, Devils Lake, Fargo, Grand Forks, Hankinson, Jamestown, Larimore, Mandan, Oakes, and Wahpeton.

There are multiple checking account options, and Totally FREE Checking is the simplest to maintain.

After an initial $50 deposit, there is no minimum balance requirement or monthly fee. Additional features include an instant debit card, online and mobile banking, Popmoney, and a money management tool.

You also receive $25 when bringing in your check card and unused checks from another institution, along with a free gift when you open an account and refer a friend.

Gate City Bank has locations in Bismarck, Carrington, Devils Lake, Dickinson, Fargo, Grand Forks, Hettinger, Jamestown, Mandan, Minot, and more throughout North Dakota.

To get started, you must open a member share savings account and maintain a $5 balance. Each checking account comes with a Visa debit card.

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.

Hometown CU has branches in Ashley, Lincoln, and Medina.

Once approved, you can choose from Perks, Progress, or Premium Checking, which are based on your average daily balance.

Perks Checking is ideal if your balance is less than $300, and you may also qualify for courtesy pay and overdraft protection with credit approval.

This account comes with a free debit card, online banking with bill pay, and no monthly fees or minimum balance.

You can become a member if you live within a 75-mile radius of Minot, or within a 50-mile radius of Kenmare, Fargo, or Moorhead.

Branches are located in Fargo, Kenmare, Minot, Stanley, and West Fargo.

You can choose between Basic Checking or Advantage Checking, both of which come with no minimum balance, unlimited check writing, online bill pay, and a MasterCard debit card.

Advantage Checking, which costs $3.95 per month, also includes identity theft protection.

To qualify for membership, you must live within a 75-mile radius of United Savings’ Fargo branch.

This checking account has a $25 minimum deposit and a $5 monthly fee, which is waivable for account holders aged 13-24.

The account also provides online bill pay, mobile banking, and access to over 13,000 ATMs nationwide.

In North Dakota, Wells Fargo has branches in Bismarck, Dickinson, Fargo, Grand Forks, Jamestown, Mandan, Minot, Valley City, Wahpeton, and West Fargo, with additional locations throughout the state.

You can choose from four checking accounts, including Free Checking, which has no monthly fees or minimum balance requirements.

This account comes with a debit card, check writing, and online and mobile banking. Additionally, all accounts include free identity theft protection.

Western State Bank has branch locations in Devils Lake, Fargo, and West Fargo.