Banks That Don’t Use ChexSystems in Utah

Struggling to open a checking account in Utah due to a negative ChexSystems listing?

While most banks use ChexSystems to review your banking history, there are some that don’t. Additionally, some banks offer second checking accounts.

Non-ChexSystems & Second Chance Banks in Utah

We’ve compiled a comprehensive list of Utah banks and credit unions that allow anyone to open a checking account, regardless of their banking history.

Chime

Our Top Pick
Chime
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Features & Benefits

  • Over 14.5 million downloads
  • No credit check or ChexSystems
  • No minimum opening deposit
  • Over 60,000 fee-free1 ATMs

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

When you open a Chime Checking Account, you won’t have to worry about monthly maintenance fees, foreign transaction fees, or minimum balance fees.

You can also start building your credit7 with the Secured Chime Credit Builder Visa® Credit Card. It’s a secured credit card with no annual fees, no credit checks, and no interest charges1.

Chime has over 60,0001 fee-free MoneyPass® and Visa® Plus Alliance ATMs. Plus, you can get your paycheck up to 2 days earlier with direct deposit2. You can also deposit cash for free at over 8,500 Walgreens.

Apply online →

U.S. Bank

Our Second Pick
U.S. Bank
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Features & Benefits

  • $400 sign-up bonus
  • Minimum opening deposit of $25
  • Monthly service fee: $0 or $6.95
  • Over 40,000 surcharge-free MoneyPass ATMs

U.S. Bank is now offering the Bank Smartly® Checking account, which is currently available in 26 states across the United States.

If you live in one of the following 26 states where this account is available, you can apply online: AR, AZ, CA, CO, IA, ID, IL, IN, KS, KY, MN, MO, MT, NC, ND, NE, NM, NV, OH, OR, SD, TN, UT, WA, WI, WY.

You can earn up to $400 when you open a new Bank Smartly® Checking account and a Standard Savings account, and complete qualifying activities. This offer is valid through June 20, 2023. Member FDIC.

The Smartly® Checking account comes with a free debit card and the option to lock or unlock the card if it’s ever lost or stolen.

Plus, you’ll never have to worry about ATM transaction fees at U.S. Bank ATMs or surcharge fees at over 40,000 MoneyPass Network ATMs.

U.S. Bank uses ChexSystems, but it has a history of being more lenient with records than most banks.

As long as you don’t have a history of fraud, or you don’t owe any money to U.S. Bank, you may be able to open a checking account with them.

The minimum opening deposit for this account is just $25, and the monthly service fee is $6.95. However, you can avoid the monthly fee by maintaining a minimum balance of $1,500 or by having a minimum monthly direct deposit of $1,000.

Apply online →

GO2bank

GO2bank
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Features & Benefits

  • No ChexSystems or credit check
  • 4.50% APY on savings
  • Over 19,000 fee-free ATMs
  • $5 monthly fee can be waived

GO2bank is a neobank offered by Green Dot, a well-established financial technology company. Customers can open a checking account featuring subaccounts known as vaults without a minimum balance requirement.

GO2bank provides an attractive 4.50% APY on savings accounts for balances of up to $5,000. Access to funds is made easy through cash deposits at 90,000 retail locations and fee-free ATMs at 19,000 locations.

Additionally, customers can receive their pay up to 2 days in advance and government benefits up to 4 days early via direct deposit.

You can also opt for overdraft protection up to $200 with eligible direct deposits.

GO2bank offers the GO2bank Secured Visa Credit Card, which can assist customers in building their credit over time through responsible use.

The $5 monthly fee is waived when you receive payroll or government benefits through direct deposit.

Apply online →

Chase

Chase
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Features & Benefits

  • $100 bonus after 10 purchases
  • No credit check or ChexSystems
  • Over 16,000+ fee-free ATMs
  • Over 4,700 branches nationwide
  • $4.95 monthly service fee

Chase offers a checking account called Chase Secure Banking. The account comes with a Chase debit card that gets you access to over 16,000 fee-free ATMs.

Some features of this checking account include free online bill pay, free money orders and cashier’s checks, no overdraft fees, and no minimum opening deposit. However, there is also a monthly service fee of $4.95.

When you open a Chase Secure Banking account and make 10 qualifying purchases within 60 days, you’ll get a $100 cash bonus.

Account approval is immediate, and the debit card typically arrives within days.

Apply online →

Current

Current
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Features & Benefits

  • No minimum balance or monthly fees
  • Fee-free overdraft up to $200 with Overdrive
  • 40,000 fee-free Allpoint ATMs in the U.S.
  • Get paid up to 2 days faster
  • No credit check or ChexSystems

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 bank account includes fee-free overdraft protection of up to $200. Account holders 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.

Apply online →

American United Federal Credit Union

American United Federal Credit Union
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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.

Apply online →

Bank of the West

Bank of the West
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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.

Apply online →

Cyprus Credit Union

Cyprus Credit Union
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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.

Apply online →

Desert Rivers Credit Union

Desert Rivers Credit Union
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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.

Apply online →

Mountain West Bank

Mountain West Bank
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Mountain West Bank does not use ChexSystems, EWS, Telecheck, nor does it pull a credit report when reviewing applications.

To open a checking, you’ll need a minimum opening deposit of $50.

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
Apply online →

UNIFY Financial Credit Union

UNIFY Financial Credit Union
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UNIFY Financial doesn’t use ChexSystems to screen new applications. They offer four different checking accounts: Free Checking, Right Start Checking, eChecking, and Premier Checking.

There’s a $25 minimum opening deposit. Each checking account comes with a free Visa Debit Card, free check writing, and free access to online and mobile banking.

Apply online →

Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.

1. Out-of-network ATM withdrawal fees may apply with Chime except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

2. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. Chime generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

7. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

Non-ChexSystems Banks by State

Looking for more information and additional options available in your area? Select your state from the list below to find out all your options for banking.