Banks That Don’t Use ChexSystems in Wisconsin

SoFi doesn’t use ChexSystems and offers a no-fee checking and savings account with solid perks.

You can earn up to 3.30% APY on savings, access over 55,000 fee-free ATMs, and get paid up to two days early with direct deposit.

There are no overdraft fees, balance requirements, or monthly charges. You can also earn a sign-up bonus of up to $400 when you set up qualifying direct deposits.

Current doesn’t use ChexSystems or run credit checks, so approval is easy—even with a rough banking history.

There are no monthly fees, no minimum balance, and you get access to 40,000 fee-free ATMs.

You can also build credit by using your debit card—no loans, credit pulls, or interest charges.

Current includes fee-free overdraft protection up to $200 and lets you get paid up to two days early with direct deposit. Optional Savings Pods earn up to 4.00% APY.

Chime doesn’t use ChexSystems or run credit checks, so anyone can open an account.

There’s no monthly fee, no minimum opening deposit, and access to over 47,000¹ fee-free ATMs.

You can also build credit⁷ with the Secured Chime Credit Builder Visa® Credit Card—no annual fees, interest charges¹, or credit pull required.

Direct deposit users can get paid up to two days early², and cash deposits are free at over 8,500 Walgreens locations.

Stash offers a checking account that doesn’t require a credit check or ChexSystems approval, making it accessible if you’ve faced banking challenges in the past.

Each time you use your Stash debit card, you earn Stock-Back® rewards—fractional shares of stock in the companies where you shop.

You can also receive your paycheck sooner with early direct deposit, and there are no overdraft fees to worry about.

The account includes access to over 55,000 fee-free ATMs and is managed through the Stash app, which also features investing and money management tools.

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.