Banks That Don’t Use ChexSystems in Utah

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 47,000¹ 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.

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.

This account has no monthly fees and no minimum balance requirements. Additionally, you get access to over 80,000 surcharge-free ATMs, free e-statements, online banking, and bill pay.

The Go Checking debit card allows a daily withdrawal limit of $500, up to $3,000 in purchases, and $1,000 for point-of-sale purchases using your PIN.

America First Credit Union has branches in many Utah cities, including American Fork, Layton, Orem, Provo, Salt Lake City, Sandy, South Jordan, St. George, West Jordan, West Valley City, and more.

This account is designed for individuals looking to rebuild their banking credit history with ChexSystems.

It includes free online and mobile banking (including mobile remote deposit), free bill pay, free eStatements, and an end-of-year reward dividend.

The account requires a $20 fee to open and has a $7.00 monthly fee, which can be reduced to $4.00 if the balance remains at $750.00 or higher. Members also enjoy access to over 30,000 surcharge-free ATMs.

American United Federal Credit Union has branches in Grantsville, Sandy, Salt Lake City, Sunnyside, and West Valley City.

It requires a $25 opening deposit and includes a $5 monthly fee. Benefits include free online banking, bill pay, a free Visa debit card, and unlimited check writing.

After maintaining a positive balance for one year, members can upgrade to a standard checking account.

Membership is open to residents of Salt Lake City, relatives of current members, or those working with a participating company. Additionally, any Utah resident can join by making a one-time $5 donation to the Community Recreation Association.

Cyprus Credit Union has branches in Centerville, Draper, Salt Lake City, and West Valley City.

To open an account, a $25 deposit and a $25 minimum balance are required, but there are no monthly service fees.

Members can easily manage their accounts through online and mobile banking, with access to services like bill pay, eStatements, and automatic deposits. Debit cards are available upon request.

Membership is open to residents of Grand County, San Juan County, and Green River City.

Desert Rivers Credit Union has branches in Blanding, Green River, Moab, and Monticello.

There is a low monthly maintenance fee, no minimum balance requirement, and the account includes a free Visa debit card.

Additional features include online and mobile banking, bill pay, and direct deposit access.

Members First Credit Union has branches in Brigham City, Providence, and Tremonton, Utah. Membership is available to individuals who meet location or eligibility requirements.

With just a $25 opening deposit and a low $4 monthly fee, this account includes key features like online and mobile banking, person-to-person payments, and no overdraft fees.

After maintaining a positive account history, you may qualify to upgrade to a traditional checking account.

In Utah, WaFd Bank has branches located in several cities, including Draper, Layton, Logan, Murray, Price, and Salt Lake City.

Approval depends on individual circumstances, so it’s best to speak with a representative to review your eligibility.

Accounts include features such as online and mobile banking, bill pay, a free debit card, and access to financial tools for budgeting and account management. Some accounts may have no monthly fees or balance requirements.

Wasatch Peaks has branch locations in Morgan, Ogden, Plain City, Pleasant View, Roy, and West Haven, Utah. Membership is available based on where you live, work, worship, or attend school.