Banks That Don’t Use ChexSystems in Oregon

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

• Earn up to $450 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities.
• Subject to certain terms and limitations. Offer valid through December 30, 2024. 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 ATM 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 4.14% APY, giving you a remarkable opportunity to grow your savings faster.

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.

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 4.00% 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 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.

With Current, your everyday purchases can now shape your financial future. Simply by swiping your debit card, you can build credit. No loans or credit checks needed. There are also no monthly or annual fees for this service.

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.

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.

First Tech Federal Credit Union offers an attractive banking solution that goes beyond traditional constraints, providing members with a combination of high-yield interest and multiple financial incentives across its platforms.

With the First Tech Rewards Checking & Savings accounts, there are no minimum balance requirements and no monthly maintenance fees.

These accounts offer competitive interest rates, with the potential to earn up to 3.50% APY on both checking and savings accounts, depending on the balance—significantly higher than many conventional banks.

Additionally, First Tech offers extensive accessibility with over 30,000 CO-OP network ATMs nationwide for fee-free withdrawals.

The credit union also ensures enhanced financial security and flexibility with features like real-time fraud monitoring and free overdraft transfers.

Their simple checking account requires just a $5 opening deposit with no ongoing balance requirement, while their peak checking account allows you to earn up to 2.02% interest on your balance.

Both accounts provide 24/7 online access, mobile banking, and ATM access worldwide through a network of over 30,000 ATMs.

CCCU has branches in Hood River and multiple locations in Portland.

With a $50 deposit to open and a $10 monthly fee, this account provides a chance to create a positive banking history.

While overdraft protection and check writing are not available, you can benefit from payroll direct deposit, which allows you to receive your pay up to two days early.

HGFCU has a branch located in Salem.

Their Choice Checking, Select Checking, and Premium Select Checking accounts each require a $100 minimum opening deposit, but none come with monthly maintenance fees.

With every account, you’ll receive free online and mobile banking, along with a Visa debit card. You also gain access to thousands of fee-free ATMs through the MoneyPass ATM network.

HomeStreet Bank has branches in Lake Oswego, Portland, and Tigard.

However, any outstanding debts listed in ChexSystems must be paid before you can open an account. Once approved, the checking account comes with a low $10 monthly fee, and there are no balance minimums.

As you build your financial standing, you can later upgrade to a fee-free standard checking account or one of the interest-earning options.

Point West Credit Union is located in Portland.

With a $25 opening deposit and a $4 monthly fee, this account provides essential features like online and mobile banking, person-to-person payments, and no overdraft fees.

After maintaining a positive account history, you may be eligible to upgrade to a traditional checking account.

In Oregon, WaFd Bank has branches in several cities, including Albany, Bend, Corvallis, Eugene, Grants Pass, Hillsboro, Klamath Falls, La Grande, Medford, and Portland. Additional locations are available across the state.

The account has a $5 monthly fee, which can only be waived if the account holder is between the ages of 13 and 24. A $25 minimum deposit is required to open the account, and you’ll get convenient features like online bill pay and mobile banking.

You’ll also have access to over 13,000 fee-free ATMs, helping you manage your money as you rebuild your banking history.

Wells Fargo has branches in several locations, including Albany, Beaverton, Bend, Corvallis, Eugene, Medford, Portland, Salem, Tigard, and Wilsonville. There are also additional branches throughout the state.