Banks That Don’t Use ChexSystems in South Dakota

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

You can earn up to 3.30% 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 $400 when you set up qualifying direct deposits.

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 47,000 fee-free ATMs.

You can also build credit with the Chime Card, a secured Visa credit card with no annual fees, no interest charges, and no credit check required.

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

Stash offers a checking account that doesn’t require a credit check or ChexSystems approval, making it accessible if you’ve faced banking challenges in the past.

Each time you make eligible purchases with your Stash debit card, you can earn Stock-Back® rewards in the form of fractional shares.

You can also receive your paycheck sooner with early direct deposit, and there are no overdraft fees to worry about.

The account includes access to over 55,000 fee-free ATMs and is managed through the Stash app, which also features investing and money management tools.

It’s worth understanding the catch: Chase screens this account through Early Warning Services instead, and if Chase has closed an account of yours in the past, you will not be approved.

But for many people with a ChexSystems record and no Chase history, it’s a realistic way into a major bank.

The account is built to keep you inside your balance. There are no paper checks and no overdraft fees, since any transaction you cannot cover is simply declined rather than approved and charged.

It carries a $4.95 monthly fee, waived when you receive $250 or more in electronic deposits each month, or automatically for account holders ages 17 to 24. You also get the Chase Mobile app, Zelle, and Credit Journey tools to track and build your credit.

Chase has one of the largest branch and ATM networks in the country. In South Dakota, it has branches in Rapid City and Sioux Falls.

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.