Banks That Don’t Use ChexSystems in Wisconsin

U.S. Bank is now inviting new customers to take advantage of a special online promotion:

• Earn up to $400 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities.
• Subject to certain terms and limitations. Offer valid through May 6, 2025. Member FDIC.
• Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint.

The 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.

The SoFi Checking and Savings account provides a multitude of benefits, including no overdraft fees, balance requirements, or monthly charges.

For a limited time, there’s an enticing sign-up bonus of up to $300 with qualifying direct deposits.

In addition, account holders can utilize 55,000 ATMs free of charge via the Allpoint® Network. Those establishing direct deposit can earn up to 3.80.00% APY on their savings and 0.50% APY on checking accounts.

Direct deposit users also get the added benefit of early access to their paychecks – up to 2 days ahead.

Current lets you open a mobile bank account without ChexSystems checks or credit pulls. It’s built for speed, flexibility, and getting your finances back on track.

You can build credit just by using your Current debit card—no loans, credit checks, or interest charges involved. There are no monthly or annual fees for this feature.

Current also offers fee-free overdraft protection up to $200, access to over 40,000 Allpoint ATMs, and no minimum balance requirements.

With a Premium account, you can get paid up to two days early with direct deposit. Current also offers up to 4.00% APY through its Savings Pods, which lets you earn interest while keeping your money accessible.

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.

Upgrade doesn’t pull your ChexSystems report, but they do look at your credit report.

The Upgrade Rewards Checking account has no monthly fees and no overdraft fees. You’ll also get a free Visa debit card, and up to 2% cash back on everyday debit card purchases.

The Upgrade Premier Savings account delivers an impressive 4.02% APY, giving you a remarkable opportunity to grow your savings faster.

You’ll get access to over 55,000 fee-free ATMs through the Allpoint network, including Walgreens and CVS locations. Plus, checking account customers can qualify for up to 20% lower rates on Upgrade loans and credit cards.

To open an account, a $100 minimum deposit is required, and there’s a $6.50 monthly service fee. Once opened, there are no ongoing minimum balance requirements.

With this account, members benefit from free online and mobile banking, free telephone banking, unlimited check writing, and a free debit card.

Membership is available to individuals who live or work in Milwaukee, Waukesha, Ozaukee, Washington, Racine, or Kenosha County.

BCU operates two locations in Milwaukee.

A $50 minimum deposit and a one-time $10 setup fee are required to open the account. Once established, there is a $10 monthly fee, but after 12 months of maintaining a positive balance, you may qualify for a transfer to a standard checking account.

The account offers online banking, online bill pay, mobile banking, and free eStatements for added convenience.

Crossbridge Community Bank operates locations in Tomahawk and Merrill.

This account includes a free Mastercard debit card and access to over 55,000 surcharge-free ATMs, making it convenient for daily banking needs.

With no minimum balance required, the account charges a low monthly fee of $9.95. Additional benefits include unlimited check writing, free eStatements, free check images online, and free online and mobile banking.

First American Bank has branches in Salem and Kenosha.

The account comes with perks like a free Debit Mastercard with rewards, access to over 70,000 surcharge-free ATMs, and free online and mobile banking.

There is no minimum balance requirement after opening the account with a $25 deposit, and you may be eligible to upgrade to a Basic Checking account after maintaining the account in good standing for 12 months.

Branches are located in Argyle, Beloit, Clinton, Darien, Delavan, Elkhorn, Janesville, Monroe, Walworth, and Williams Bay.

The account comes with benefits such as free overdraft protection, no ATM fees, and no monthly or minimum balance requirements.

It also provides instant access to funds through a debit card, along with convenient online and mobile banking options. Additionally, direct deposit is available to help manage finances more easily.

Branches are located in cities like Chippewa Falls, Dodgeville, Eau Claire, Fond du Lac, La Crosse, Milwaukee, Monroe, Platteville, Racine, Sheboygan, and more.

To open an account, you need two forms of identification, one of which must be government-issued, and you must not owe any money from a previous TCU account.

To qualify for membership, you either need to have a family member who is already a TCU member, live or work within 25 miles of Medford, or live or work in Taylor, Price, Lincoln, Marathon, or Clark County.

Their free checking account includes unlimited check writing, online access, and a free Visa debit card with no minimum balance requirement.

Taylor Credit Union has branches in Abbotsford and Medford.

The account comes with a $4 monthly fee, allows debit card use only (no checks), and has no minimum balance or per-item charges.

WESTconsin has branches in Altoona, Amery, Baldwin, Barron, Chippewa Falls, Eau Claire, Ellsworth, Hudson, Menomonie, and New Richmond, with additional branches available across Wisconsin.