The following banks and credit unions offer excellent features and benefits. While we recommend them, they are not our top picks for the simple reason that they are not guaranteed banks. They have however helped a lot of people, and may be able to help you too.

Farmers and Merchants State Bank

All that is needed is an ID and SS card. If you request a debit card they will run a credit report

First Dakota National Bank

They do not use ChexSystems at all. Generally they pull Equifax.

Dakota Plains Federal Credit Union

They run OFAC and TeleCheck to verify new accounts.

TCF Bank

Many people have been able to get accounts with TCF. They use ChexSystems but are extremely lenient, definitely worth a chance.