Banks That Don’t Use ChexSystems in Oregon

Current doesn’t use ChexSystems or run credit checks, so approval is easy—even with a rough banking history.

There are no monthly fees, no minimum balance, and you get access to 40,000 fee-free ATMs.

You can also build credit by using your debit card—no loans, credit pulls, or interest charges.

Current includes fee-free overdraft protection up to $200 and lets you get paid up to two days early with direct deposit. Optional Savings Pods earn up to 4.00% APY.

Chime doesn’t use ChexSystems or run credit checks, so anyone can open an account.

There’s no monthly fee, no minimum opening deposit, and access to over 60,000¹ fee-free ATMs.

You can also build credit⁷ with the Secured Chime Credit Builder Visa® Credit Card—no annual fees, interest charges¹, or credit pull required.

Direct deposit users can get paid up to two days early², and cash deposits are free at over 8,500 Walgreens locations.

SoFi doesn’t use ChexSystems and offers a no-fee checking and savings account with solid perks.

You can earn up to 3.80% APY on savings, access over 55,000 fee-free ATMs, and get paid up to two days early with direct deposit.

There are no overdraft fees, balance requirements, or monthly charges. You can also earn a sign-up bonus of up to $300 when you set up qualifying direct deposits.

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.

This free and simple checking account has no overdraft fees and ensures you spend only what you have.

With a minimal $5 deposit to open and no balance requirements, it’s a great option for those looking for financial wellness and control.

Rivermark Community Credit Union has branch locations in Beaverton, Clackamas, Gresham, Happy Valley, Hillsboro, Newberg, Portland, Salem, and Tualatin.

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.