The Best Banks & Credit Unions in Montana That Don't Use ChexSystems

ChexSystems can be a real pain to deal with when you’re trying to get a bank account opened in your name. It was established as a system to monitor and screen people who are looking to open checking and savings accounts. But the side effects of this kind system can result in you being unable to open a bank account even if you haven’t done anything shady.

Fortunately, there are still more than a couple of banks in Montana that don’t use ChexSystems for verification. We’ll be looking at some of these banks as well as what your options look like if you get flagged by ChexSystems.

Your Top Pick

BBVA is one of the most well-known banks for Montana residents that are looking to avoid ChexSystems verification (BBVA bank uses Early Warning Services to screen new applicants). Their free checking account offers some of the most extensive features and all it takes is a $25 account opening fee to get started.

Why is it recommended for you?

Right now, a free checking account at BBVA is the only trusted option for anyone listed on ChexSystems or looking for a Second Chance Checking account. With a high approval rate and excellent features and conditions, this is a fantastic opportunity to get back on track and rebuild your credit.

  • ChexSystems OK
  • No monthly Service Charge
  • No monthly account balance minimums
  • Relaxed account opening requirements
  • Free ATM withdrawals on BBVA ATMs
  • Online & mobile banking facilities included
  • Customizable banking alerts
  • Member FDIC

You can open this account with as little as $25 for your initial deposit

Open a BBVA Account Now!

Local Banking Options

Following is the web's most comprehensive list of banks and credit unions in Montana that do not use ChexSystems and which may approve you for a bank account.

Please note that any unsuccessful attempt to open an account may have a negative impact on your credit history and score.

To avoid this, please check if there are any proven, top picked solutions are available in your area (listed above) or on our page with best non-ChexSystems banks and other banking alternatives.

See more: Comprehensive List of Non-ChexSystems Banks

Another note to add is that it's a good idea to get your free annual report and try to dispute ChexSystems.

This list also contains email responses from banks as well as applicants’ personal experiences and comments. This page is updated regularly, so please consider adding it to your bookmarks.

  • Garfield County Bank
    Form of Verification:

    ID and SS card

    Email from Bank:

    We need an proper ID and social security card to verify your identity.

    Types of Accounts Offered:

    Personal checking and savings

    Learn more about Garfield County Bank
  • Native American Bank
    Form of Verification:


    Email from Bank:

    We use telecheck and a credit report

    Types of Accounts Offered:

    Personal checking, savings and business accounts

    Learn more about Native American Bank
  • U.S. Bank
    Form of Verification:


    Special Notes

    It has been reported that if your report is 21/2 yrs or older, they will not even see it. If this is your situation you can apply online, if not, you would need to visit an “in store” branch.

    Most US banks “in store” branches are giving accounts to most people on chexsystems. These are regular accounts, not 2nd chance long as you do NOT owe US Bank money and you are not reported on your chexsystems report for any kind of "fraudulent activity".

    There are some branches that are still not using this policy so it might be a good idea to call a branch local to you and ask about their policy first before going in.

    Some “in store” branches have signs that actually says “Chexsystems? no problem!”….yet others will not open accounts at all. People are approved everyday.

    Some branches do offer 2nd chance checking and some have been able to open business accounts when all debt to reporting bank(s) are paid and fraud is not indicated.

    Types of Accounts Offered:

    Personal checking, savings and business accounts

    Learn more about U.S. Bank
  • Gateway Community Federal Credit Union
    Form of Verification:

    Credit report

    Email from Bank:

    We verify our new accounts through a credit report.

    Types of Accounts Offered:

    Personal checking and savings accounts

    Learn more about Gateway Community Federal Credit Union
  • Missoula Federal Credit Union
    Form of Verification:


    Email from Bank:

    As of this time, we do not do any background checking on potential members.

    Types of Accounts Offered:

    Personal checking, savings and business accounts

    Learn more about Missoula Federal Credit Union