Banks That Don’t Use ChexSystems in South Dakota

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.

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 3.80.00% 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 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.

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 share draft checking account has no minimum balance requirement and offers unlimited check writing, overdraft protection, and quarterly dividends on monthly balances over $2,500.

There are no monthly service fees, but a minimum deposit of $100 is required to open the account.

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

However, if you want to get a debit card, the bank will run a credit check, but as long as your credit report isn’t too negative, you should still qualify for the card.

Farmers and Merchants offers four checking account options. The Free Checking account comes with no minimum balance requirement, no monthly service fees, and unlimited debit card transactions.

You’ll also receive free monthly statements, but if the account remains inactive for 18 months, there will be a $10 monthly fee.

They have branches in Plankinton and White Lake.

As long as your credit report is generally positive, you should be able to open an account.

They offer several checking options, including Free Checking, which has no monthly service fee or minimum balance requirement.

With this account, you’ll get unlimited check writing, a free debit card, and free ATM withdrawals at both First Dakota and MoneyPass ATMs.

First Dakota National Bank has branches in Beresford, Chamberlain, Elk Point, Mitchell, Pierre, Salem, Sioux Falls, Vermillion, Wagner, Yankton, and several other cities.

This account is check-free and overdraft-free, providing peace of mind with no surprise fees. Clients have access to a Mastercard® debit card, online banking, mobile banking, and free electronic statements.

There is a $5 monthly service charge that cannot be waived. Overdraft protection options and checks are unavailable with this account.

First Interstate Bank has branches in Aberdeen, Brandon, Brookings, Mitchell, Rapid City, Sioux Falls, Spearfish, Sturgis, Watertown, and Yankton, with additional locations in other cities in South Dakota.

The account has a $5 monthly fee, which can be waived if the primary account holder is between 13 and 24 years old. A minimum deposit of $25 is required to open the account.

It includes features such as online bill pay, mobile banking, and free access to Wells Fargo’s vast network of over 13,000 ATMs, helping users rebuild their banking record.

In South Dakota, Wells Fargo has branches in Aberdeen, Brandon, Brookings, Mitchell, Pierre, Rapid City, Sioux Falls, Spearfish, Vermillion, and Yankton, along with other locations throughout the state.