Are you trying to open a checking account in Wisconsin, but can’t get approved? It’s probably because you have a negative listing in ChexSystems. Most banks in Wisconsin use ChexSystems to review your banking history.

Fortunately, you still have options. There are several banks that don’t use ChexSystems during the application process, and others that offer second chance checking.

Non-ChexSystems & Second Chance Banks in Wisconsin

Take a look at this comprehensive list of banks and credit unions in Wisconsin that either don’t use ChexSystems, or offer second chance checking accounts.

Chime

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 Checking 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 Secured 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.

Learn More →

Aspiration

Our Second Pick
Apply Now

on Aspiration's secure website

Aspiration’s Spend & Save Account hybrid checking and savings account that is entirely online. There’s a $10 minimum opening deposit to get started.

With an Aspiration debit card, you get unlimited fee-free withdrawals at over 55,000 ATMs and one out-of-network ATM reimbursement per month. You can also get paid up to two days early with direct deposit.

You can earn up to 5.00% APY when you spend $1,000/month and deposits are FDIC insured.

Learn More →

Current

Our Third Pick
Apply Now

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 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.

Learn More →

Brewery Credit Union

Apply Now

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.

Learn More →

Crossbridge Community Bank

Apply Now

on Crossbridge's secure website

Crossbridge 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 CCB.

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

Learn More →

Educators Credit Union

Apply Now

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.

Learn More →

Taylor Credit Union

Apply Now

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.

Learn More →