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 $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 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.

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.