Banks That Don’t Use ChexSystems in Texas

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

You can earn up to 3.80% 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 $300 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.

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 use your Stash debit card, you earn Stock-Back® rewards—fractional shares of stock in the companies where you shop.

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.

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 60,000¹ fee-free ATMs.

You can also build credit⁷ with the Secured Chime Credit Builder Visa® Credit Card—no annual fees, interest charges¹, or credit pull required.

Direct deposit users can get paid up to two days early², and cash deposits are free at over 8,500 Walgreens locations.

The account includes mobile banking, online account management, and helpful financial tools.

The monthly fee is $12.75 but drops to $9.75 with direct deposit. Checks are not available, and you must complete a free credit education course to qualify.

Branches are available in DFW Airport, Euless, Fort Worth, Hurst, Irving, and Southlake.

Minimum opening deposits range from $25 to $1,000, depending on the account.

Many of the accounts come with features like a free debit card, online banking, and bill pay, and you can even have the monthly fees waived by meeting specific criteria.

Cadence Bank has branches in several cities across Texas, including Austin, Copperas Cove, Dallas, Fort Worth, Georgetown, Houston, Killeen, Longview, Plano, and Temple, and more throughout the state.

You can choose from Free Kasasa Cash Back Checking and Free Kasasa Tunes Checking, both of which come with no monthly maintenance fees and offer up to a $25 refund on ATM fees each month.

The minimum opening deposit for either account is just $25, with occasional promotions that may waive this amount.

Chemcel FCU has branches in several Texas cities, including Alice, Bay City, Bishop, Corpus Christi, Kingsville, and Pasadena.

The account is free to open with a $25 minimum deposit and has no monthly service fees.

Features include online and mobile banking, free cashier’s checks, free notary services, and optional overdraft protection. Members also receive a Visa debit card and access to shared branch and ATM networks.

City Credit Union has branch locations in Dallas, Duncanville, Gainesville, Sherman, and Waxahachie, Texas. Membership is available based on where you live, work, worship, or attend school.

Their checking account comes with no monthly fees or minimum balance requirements and includes features like automatic overdraft protection, free check safekeeping, and 24/7 access through online and mobile banking.

You can earn interest on your average daily balance, and there are no fees per check. Opening an account requires just $50.

Members also have access to eight local ATMs and over 64,000 surcharge-free ATMs worldwide through the Allpoint network.

Pantex FCU has branches in Borger, Fritch, and Pampa.

It offers multiple checking and savings account options with different features based on your financial goals.

Accounts include online and mobile banking, access to fee-free ATMs, and tools like bill pay and direct deposit. Some accounts may also offer overdraft protection or rewards, depending on eligibility.

PrimeWay has branch locations in Cypress, Houston, Missouri City, and Sugar Land, Texas. Membership is available to those who live, work, worship, or attend school in select areas.

However, they also offer a second chance checking account called Fresh Start Checking.

The account comes with a small monthly service fee but includes all the benefits of their standard accounts. This account allows you to rebuild your financial history while taking advantage of their modern banking tools, including online and mobile banking.

River City FCU has six branches in San Antonio and provides access to CO-OP shared branches nationwide.

For those needing to reestablish their banking history, Shell FCU offers the Boost Checking account.

This account requires only a $1 initial deposit and has a $10 monthly service charge. Members enjoy features like a free debit card, free overdraft protection, free digital banking, and no minimum balance requirement.

Additionally, members have access to free ATM withdrawals through the Allpoint network and Shell FCU branches.

Shell FCU has branches in several Texas cities, including Baytown, Deer Park, Houston, Humble, Katy, La Porte, Pasadena, Pearland, Spring, and Tomball.

Each account requires a different minimum deposit, but all include modern conveniences like bill pay, mobile and online access, and remote deposit.

The monthly service charge is $10, which can be waived with a direct deposit of $500 or more each month.

Smart Financial Credit Union has branches in several cities across Texas, including Conroe, Houston, Katy, Kingwood, Magnolia, Pearland, Spring, Sugar Land, and The Woodlands.

Their checking account is entirely free and includes perks like free mobile and online banking, remote deposit, a free debit card, and Apple Pay.

Members also have access to the Allpoint Surcharge-free ATM network, which has over 64,000 ATMs worldwide.

Texas Bay Area Credit Union has branches in several cities across Texas, including Cypress, Houston, Katy, League City, Pasadena, Pearland, and Richmond.

The bank offers several personal checking account options, including accounts with unlimited check writing, interest-earning potential, and money management tools like online banking and account alerts.

Some accounts may also include overdraft protection and debit card access.

Texas Gulf Bank has branches in Angleton, Clute, Freeport, Friendswood, Houston, Lake Jackson, and West Columbia, serving customers throughout Southeast Texas.