If you have a negative entry on your ChexSystems report, it can be hard to get a standard checking account with a traditional bank in Utah. ChexSystems is the preferred method to screen new applications for a vast majority of banks.

Unfortunately, once you have a record, it stays with you regardless of your financial situation. To get around this, you need to find a bank that either does not use ChexSystems or instead offers a second chance checking account.

Alternatives to ChexSystems include Telecheck and Early Warning Systems (EWS). Some banking institutions even go further by only requiring a credit report check or two forms of ID.

Second chance checking accounts are offered by banks that use ChexSystems but are designed to give people a fresh start. They usually have a low monthly fee as well as a low minimum deposit.

Non-ChexSystems & Second Chance Banks in Utah

Take a look at our comprehensive list of banks in Utah that don’t use ChexSystems or offer second chance banking so that you can start banking again today.


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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Our Second Pick
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on Current's secure website

Current is a financial technology company, not a bank. The company does not use ChexSystems or pull your credit report, and they have a lot to offer.

A Current mobile banking account includes fee-free overdraft protection of up to $100. You also get access to over 40,000 fee-free Allpoint ATMs with your Current debit card, and there is no minimum balance or hidden fees.

You can also get paid up to two days early with direct deposit with a Current Premium account. Plus, Current offers up to 4.00% APY with Current Savings Pods.

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Our Third Pick
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on Sable's secure website

Sable allows you to open a bank account with a debit card and secured credit card in just 5 minutes.

There are no credit checks, no fees, and no minimum deposit required. You can also get an unsecured credit card in about 4 months after using your secured card. That’s 3x faster than what traditional banks offer.

The Sable credit card offers 2% cashback on your favorite brands.

To open a Sable account, you don’t need a social security number or U.S. credit history. You can also send money to 55+ countries and get multilingual customer support.

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American United Federal Credit Union

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on American United FCU's secure website

American United Federal has a second chance checking account called Fresh Start Checking. This account is intended for anyone who wants to improve their banking credit history with ChexSystems.

It comes with free online and mobile banking (including mobile remote deposit), free bill pay, free eStatements, and an end of the year reward dividend. Members also get free access to over 30,000 surcharge-free ATMs. There is a $20 fee to open this account, as well as a $7.00 monthly fee. However, the monthly fee can be reduced to $4.00 if the account balance is $750.00 or more.

American United FCU has branch locations in West Jordan, Draper, Salt Lake City, Sandy, Kearns, Grantsville, Cabazon, and San Jacinto. American United is also a part of the Co-Op Shared Branch Network. This means you get free access to your account at over 5,000 branches and 2,000 self-service locations across the United States.

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Bank of the West

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on Bank of the West's secure website

Bank of the West does use ChexSystems to screen new applications, but for people with negative entries on their ChexSystems report Bank of the West offers a second chance checking account.

It’s called Fresh Start and to be eligible for this account your entry must be older than one year and cannot be fraud related. The monthly fee is $10, but this fee can be waived if a few different ways. They are:

  • Have an account balance greater than $1,000
  • Have $250 or more directly deposited each month
  • Use your debit card at least 10 times or more each month

Bank of the West has locations in Sandy, Salt Lake City, Riverton, and Layton.

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Cyprus Credit Union

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on Cyprus CU's secure website

Cyprus does use ChexSystems to screen new applications, but it also offers a second chance checking account to help people repair their credit history.

Called Fresh Start Checking, it requires a $25 opening deposit and has a monthly fee of $5. It comes with free online bill pay, online banking, a free Visa debit card, and unlimited check writing. After a year of keeping your account in a positive balance, Cyprus will allow you to transfer to a standard checking account.

They have locations in Salt Lake City and West Valley. To become a member you must live in Salt Lake City, be related to someone who is already a member, or work with a participating company. Membership is also available to any Utah resident who makes a one time $5 donation to the Community Recreation Association.

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Desert Rivers Credit Union

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on Desert Rivers CU's secure website

Formerly Grand County, Desert Rivers doesn’t use ChexSystems or a credit report when screening new applications. Membership is available to anyone in Grand County, San Juan County, and Green River City. Desert Rivers has locations in Moab, Blanding, Green River, and Monticello.

An account with Desert Rivers requires a $25 opening deposit, as well as a $25 minimum balance, but there is not a monthly service fee. Account holders can access their account both online and through the mobile app. Online bill pay, eStatements, as well as automatic deposits are also available. Debit cards are available upon request.

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Mountain West Bank

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on Mountain West Bank's secure website

If you want to avoid having Mountain West Bank run a ChexSystems scan on you, you’ll need to apply in person instead of online. Mountain West Bank has locations in Brigham City and Park City. To open an account requires a $50 opening deposit.

Mountain West Bank offers four types of checking accounts: Totally Free Checking, Easy Interest, 50+ Interest Checking, and Premier Interest Checking. Each account comes with a host of free features, some of which include:

  • Free online banking
  • Free bill pay
  • Free mobile banking
  • Free remote deposit
  • Free Visa Debit Card
  • Free eStatements

The Totally Free Checking account doesn’t have a minimum account balance requirement nor is there a monthly service fee.

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UNIFY Financial Credit Union

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on UNIFY's secure website

UNIFY Financial doesn’t use ChexSystems to screen new applications. Unify offers four types of checking accounts for its members: Free Checking, Right Start Checking, eChecking, and Premier Checking.

Free Checking only requires a $25 opening deposit, but doesn’t have any account balance requirements or monthly fees. Each account holder gets a free Visa Debit Card, free check writing, and free access to online and mobile banking.

Unify has branch has a Co-Op Shared branch location in Richfield through the Mountain America Credit Union branch. Co-Op Shared branches exist across the nation, so account holders are able to access their account for free at any branch that is in the network. To join, you must work for a participating employer or live in a select area.

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US Bank

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on US Bank's secure website

US Bank has a history of being more lenient with ChexSystems records than most banks, especially for applicants that apply in their store based locations.

As long as you don’t have a history of fraud, or you don’t owe any money to US Bank, you may very well be able to open an account with them. Some people have had success with opening accounts at a local branch, but this depends on the branch and the ChexSystems history. If you do open an account, you’ll need a $25 opening deposit.

US Bank has a few different checking options. These include Platinum Checking Package, Easy Checking, Student Checking, and Safe Debit Account. Easy Checking comes with free access to over 4,700 banks, a free Visa debit card, as well as free online and mobile banking, which includes free bill pay and remote deposit.

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