Getting access to a checking account can be rough if you’ve made banking mistakes in the past. Things like non-sufficient funds and unpaid debt to banks can hurt your ChexSystems records for as long as five years.

However, there are several credit unions and banks in South Dakota that don’t use ChexSystems. Instead, they might run a credit check or use an alternative reporting system. Another option is to get a second chance checking account that gives you banking perks, usually for a low monthly fee.

Non-ChexSystems & Second Chance Banks in South Dakota

Before you make a decision, weigh all of your available choices. Read on for the full list of banks in South Dakota that are non-ChexSystems or second chance checking accounts. Also included are some great online banking options.


Our Top Pick
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on Chime's secure website

With Chime, bad banking history is not an issue. They offer an award-winning financial app, a debit card, and a credit-builder Visa credit card, all with no credit check.

The Chime Spending Account is 100% free and has no monthly fees:

  • no overdraft fees
  • no monthly maintenance fees
  • no foreign transaction fees
  • no minimum balance fees

They’ll even spot you up to $200 on debit card purchases with no overdraft fees.

You can also start building your credit with the Chime Credit Builder Visa Credit Card. It’s a secured credit card with no annual fees, no credit checks, and no interest charges.

Chime has over 60,000 fee-free MoneyPass® and Visa® Plus Alliance ATMs. Plus, you can get your paycheck up to 2 days earlier with direct deposit. You can also deposit cash for free at over 8,500 Walgreens.

You can see why Chime is our #1 choice.

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Dakota Plains Federal Credit Union

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on Dakota Plains FCU's secure website

Dakota Plains Federal is a non-ChexSystems bank. To screen new applications, they instead run both an OFAC and TeleCheck report. They have locations in Lemmon, Bison, Pierre, and Faith County.

A share draft checking account doesn’t require a minimum balance. It comes with unlimited check writing, overdraft protection, and dividends on monthly balances over $2,500. These dividends are paid out every quarter. There are no monthly service fees with this account, but the minimum opening deposit is $100.

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Farmers and Merchants State Bank

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on Farmers and Merchants' secure website

Farmers and Merchants doesn’t use ChexSystems to screen new applications. All you need to provide when applying is a government-issued ID and a Social Security card.

However, if you wish to get a debit card, Farmers and Merchants State Bank will run a credit report. As long as you don’t have too many negative entries on your report, however, you should be able to get a debit card.

They have locations in Scotland, Plankinton, White Lake, and Huron. They have four different checking options to choose from: Free Checking, Regular Checking, Now Checking, and Super Now Checking.

Free Checking doesn’t have a minimum balance requirement or any monthly service fees. Plus, you get unlimited debit card transactions and free monthly statements. If your account remains inactive for 18 months, there’s a $10 monthly fee.

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First Dakota National Bank

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on First Dakota National Bank's secure website

First Dakota National Bank is a non-ChexSystems bank. In lieu of ChexSystems, they run an Equifax credit report on each application. As long as your report doesn’t have too many negative entries on it, you may be able to open an account.

They offer a variety of checking options to its members. These include the following:

  • FirstPartners Checking
  • FirstChoice Checking
  • ClassicChoice Checking
  • Free Checking

Free Checking doesn’t have a monthly service fee, nor does it require a minimum balance. It comes with unlimited check writing and a free debit card. ATM withdrawals are free at First Dakota and MoneyPass ATMs.

They have locations in Beresford, Blunt, Chamberlain, Corsica, Elk Point, Kimball, Mitchell, Oacoma, Parkston, Pierre, Platte, Salem, Sioux Falls, Vermillion, Wagner, Watertown, and Yankton.

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US Bank

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on US Bank's secure website

US Bank is reported to have more lenient approval standards if you apply directly in a branch rather than online. There are four checking accounts available: Platinum, Easy, Student, and Safe Debit.

Easy Checking is their basic account, but you might also prefer Safe Debit. It doesn’t come with checks, but the monthly fee is a low $4.95. It can be a convenient way to dip your toes back into banking without having to manage multiple payment types right from the beginning.

There are multiple US Bank locations across the state of South Dakota. There are several throughout the Sioux Falls area, plus more branches in Rapid City, Mitchell, Pierre, and Aberdeen.

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Wells Fargo

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on Wells Fargo's secure website

Wells Fargo offers an Opportunity Checking account. You can’t apply for it directly; first, you must be denied a traditional account to then potentially qualify for this second chance account.

Even though it’s meant to help you rebuild your financial history, it has plenty of perks you can take advantage of. These include mobile banking, a debit card, checks, online banking, and bill pay.

You’ll need a $25 deposit to get started with this account. The monthly fee is $10, but it can be avoided if you do one of the following each month:

  • 10+ debit card transactions
  • $500 or more in direct deposits
  • $1,500 minimum daily balance

Opportunity Checking is a robust account that can help your everyday banking needs while also rebuilding your financial history. Plus, Wells Fargo has branches throughout much of South Dakota if you ever need in-person assistance.

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