Banks That Don’t Use ChexSystems in South Dakota

Struggling to open a checking account in South Dakota due to a negative ChexSystems listing?

While most banks use ChexSystems to review your banking history, there are some that don’t. Additionally, some banks offer second checking accounts.

Non-ChexSystems & Second Chance Banks in South Dakota

We’ve compiled a comprehensive list of South Dakota banks and credit unions that allow anyone to open a checking account, regardless of their banking history.

U.S. Bank

Our Top Pick

Features & Benefits

  • Up to $450 bonus
  • Minimum opening deposit of $25
  • Monthly service fee: $0 or $6.95
  • Over 40,000 surcharge-free MoneyPass ATMs

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

Our Second Pick

Features & Benefits

  • Up to 4.14% APY on savings
  • Up to 2% cash back
  • No minimum balance requirement
  • No monthly fees or overdraft fees

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.

SoFi

Features & Benefits

  • Sign-up bonus up to $300 with qualifying direct deposits
  • No monthly fee
  • Earn up to 4.00% APY on savings
  • Over 55,000 fee-free ATMs

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

Features & Benefits

  • Build credit just by using your debit card
  • No minimum balance or monthly fees
  • 40,000 fee-free Allpoint ATMs in the U.S.
  • Get paid up to 2 days faster
  • No credit check or ChexSystems

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.

Chime

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 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

Features & Benefits

  • Up to $300 sign-up bonus with direct deposit
  • Earn up to 3.50% APY
  • No minimum balance requirements
  • Over 30,000 fee-free ATMs

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.

Dakota Plains Federal Credit Union

Dakota Plains Federal Credit Union does not use ChexSystems, but instead screens new applications through OFAC and TeleCheck.

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.

Farmers and Merchants State Bank

Farmers and Merchants State Bank does not use ChexSystems to screen new applications. To apply, all you need is a government-issued ID and your Social Security card.

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.

First Dakota National Bank

First Dakota National Bank does not use ChexSystems. Instead, they run an Equifax credit report to evaluate new applications. 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.

First Interstate Bank

First Interstate Bank offers Simple Banking, a BankOn-certified account designed for individuals looking to rebuild their financial foundation.

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.

Wells Fargo

Wells Fargo offers a second chance account called Clear Access Banking, ideal for individuals who may not qualify for traditional banking due to past financial challenges.

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.