Not having a bank account can lead to a host of inconveniences. From missing out on direct deposits to having to carry cash with you all the time. It’s important to get yourself back in the banking system — even if you’ve made mistakes in the past. But if you have negative entries in ChexSystems, you still have options available to you.

Non-ChexSystems & Second Chance Banks in Wisconsin

Check out our list of banks in Wisconsin that don’t use ChexSystems or offer second chance banking. Also included are some great online options that you can get started with immediately from the comfort of your own home. This list is a great starting point to find financial institutions near you that cater to your banking history, no matter what it may be.


Our Top Pick
Apply Now

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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Brewery Credit Union

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on Brewery CU's secure website

Brewery CU offers a second chance checking account called Fresh Start Checking. A $100 minimum deposit is required to open an account and there is a $6.50 monthly service fee associated with the account. Once an account is open, there is no minimum account balance requirement.

Fresh Start Checking account holders get free online banking, free mobile banking, free telephone banking, unlimited check writing and a free debit card.

They have locations in Milwaukee and Greenfield. To become a member, you must live or work in Milwaukee, Waukesha, Ozaukee, Washington, Racine, or Kenosha County.

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Educators Credit Union

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on Educators' secure website

Educators CU has a second chance checking account to help people establish a positive checking history with ChexSystems. After maintaining a positive account balance for a year, you can transfer to a standard checking account.

Called Fresh Start Checking, this second chance checking account requires a $100 minimum opening balance, and a one-time activation fee of $20. After that, the monthly fee is $10. The monthly fee can be waived if the account holder has three or more Loyalty Pay Back Services.

To join ECU, you must live or work within one of the following service areas:

  • Dane
  • Green
  • Jefferson
  • Kenosha
  • Milwaukee
  • Ozaukee
  • Racine
  • Rock
  • Walworth
  • Washington
  • Waukesha

They have locations in Kenosha, Milwaukee, Racine, Rock, Walworth, Washington, and Waukesha.

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Schneider Community Credit Union

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on Schneider's secure website

Schneider Community offers a Fresh Start Checking account for anyone looking to re-establish their checking history with ChexSystems. You must apply in person to receive the full details of this account, and it is recommended that you call and make an appointment first before visiting a local branch.

To join, applicants must live or work in Brown County or be related to an existing member. Schneider currently only has one location in Green Bay but is partnered with other credit unions, which means each member can access his or her account from nearly 5,000 branches nationwide.

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Taylor Credit Union

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on Taylor CU's secure website

Taylor CU does not use ChexSystems to screen new applications. In fact, they don’t use Telecheck, EWS, or even run a credit report. You must be able to provide two forms of ID, and one of them must be government issued.

Secondly, you can’t owe any money from a previous account with TCU. If these two conditions can be met, it’s likely your application will be approved.

They have locations in Abbotsford and Medford. To join, you must fulfill one of the following criteria:

  • Have a family member who is already a TCU member
  • Live or work within 25 miles of Medford
  • Live or work within one of the following counties:
    • Taylor
    • Prince
    • Lincoln
    • Marathon
    • Clark

TCU offers a free checking account that does not require a minimum balance and comes with unlimited check writing, online access, and a free Visa debit card.

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Tomahawk Community Bank

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on Tomahawk's secure website

Tomahawk Community Bank has a Second Chance Checking account for customers who need to repair their checking history. There is a one-time set-up fee of $10, and a $50 minimum deposit is required.

Once the account is established, there is a monthly fee of $10. If you’ve maintained your account with a positive balance for 12 months, you may be able to transfer to a standard checking account with TCB.

Each account comes with online access, online bill pay, mobile banking, and free eStatements. Tomahawk currently has locations in Tomahawk and Merrill.

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