Banks That Don’t Use ChexSystems in North Dakota

Have you tried to open a checking account in North Dakota, but can’t get approved? It’s probably because you have a negative listing in ChexSystems. Most banks in North Dakota use ChexSystems to review your banking history.

Fortunately, you still have options. There are several banks that don’t use ChexSystems during the application process, and others that offer second chance checking.

Non-ChexSystems & Second Chance Banks in North Dakota

Take a look at this comprehensive list of banks and credit unions in North Dakota that either don’t use ChexSystems, or offer second chance checking accounts.


Our Top Pick
LetMeBank’s rating
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Features & Benefits

  • Over 14.5 million downloads
  • No credit check or ChexSystems
  • No minimum opening deposit
  • Over 60,000 fee-free1 ATMs

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

The Chime Checking Account is 100% free and has no monthly fees:

  • no monthly maintenance fees
  • no foreign transaction fees
  • no minimum balance fees

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

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.

You can see why Chime is our #1 choice.


Our Second Pick
LetMeBank’s rating
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Features & Benefits

  • No credit check or ChexSystems
  • No minimum balance or hidden fees
  • Fee-free overdraft up to $200 with Overdrive
  • 40,000 fee-free Allpoint ATMs in the U.S.
  • Get paid up to 2 days faster

Current is a financial technology company, not a bank. The company does not use ChexSystems or pull your credit report, and they have a lot to offer.

A Current mobile bank account includes fee-free overdraft protection of up to $200. Account holders also get access to over 40,000 fee-free Allpoint ATMs with your Current debit card, and there is no minimum balance or hidden fees.

You can also get paid up to two days early with direct deposit with a Current Premium account. Plus, Current offers up to 4.00% APY with Current Savings Pods.


Our Third Pick
LetMeBank’s rating
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Features & Benefits

  • No minimum balance requirement
  • No monthly fees
  • No overdraft fees
  • Visa debit card, iOS and Android mobile app
  • Up to 2% cash back

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 ATM fees. You’ll also get up to 2% cash back on everyday debit card purchases.

Upgrade reimburses up to five out-of-network ATM fees per month if you meet certain conditions.

Upgrade is partnered with Cross River Bank, Member FDIC, and your funds are FDIC-insured up to $250,000. With an Upgrade checking account, you can also get up to 20% lower rates on Upgrade loans and credit cards.

American Federal Bank

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.


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Aspiration’s Spend & Save Account is a hybrid checking and savings account that is entirely online. There’s a $10 minimum opening deposit to get started.

With an Aspiration debit card, you get unlimited fee-free withdrawals at over 55,000 ATMs and one out-of-network ATM reimbursement per month. You can also get paid up to two days early with direct deposit.

You can earn up to 5.00% APY when you spend $1,000/month and deposits are FDIC insured.

Axos Bank

Axos Bank doesn’t use ChexSystems or pull your credit report.

The Rewards Checking account from Axos Bank has no monthly maintenance fees, unlimited domestic ATM fee reimbursements, and it comes with cash back rewards.

You get unlimited free mobile deposits and your funds are FDIC insured up to $250,000. Plus, there are no overdraft fees or non-sufficient fund fees.

There are no minimum balance requirements, and you’ll only need a $50 deposit to open the account.

Capital Credit Union

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

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 Credit Union

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.

First Community Credit Union

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 Credit Union

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.

Gate City Bank

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.

Hometown Credit Union

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.

Town and Country Credit Union

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.

United Savings Credit Union

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.

Western State Bank

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.

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.