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 Nebraska 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.
Exclusive Promo Available
You could get a $200 bonus by opening an Online Checking account and receiving a qualifying direct deposit of $500+ by October 31, 2020.
Increase your bonus to $250 by adding an Online Savings account and having a savings balance of at least $1000 on October 31, 2020.
BBVA is one of the most well-known banks for Nebraska residents that are looking to avoid ChexSystems verification (BBVA bank uses Early Warning Services to screen new applicants).
You can open this account with as little as $25 for your initial deposit.
Features and Benefits
- Bad credit OK
- Relaxed account opening requirements
- Free ATM withdrawals on BBVA ATMs
- Online and mobile banking facilities included
- Customizable banking alerts
- Available nationwide (except Alaska and Hawaii)
- Member FDIC
Right now, a free checking account at BBVA is the only trusted option for customers listed in 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.
Local Banking Options
Following is the web's most comprehensive list of banks and credit unions in Nebraska 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.
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.
Neighborhood Community Federal Credit Union
Form of Verification: Telecheck and chexsystems (efunds)
You can open a savings account only. If your report is not too bad and does not indicate fraud and has been paid, you might be able to open a checking.
Email from Bank:
We use telecheck and chexsystems-efunds. If you are in our field of membership you should be able to open a savings account. A checking account and/or atm card will be determined on what the actually reports show when we pull them.
Types of Accounts Offered: Savings possibly checkingLearn more about Neighborhood Community Federal Credit Union
Fremont First Central Federal Credit Union
Form of Verification: telecheck
Email from Bank:
We use telecheck for the new checking accounts.
Types of Accounts Offered: Checking and savingsLearn more about Fremont First Central Federal Credit Union
Farmers State Bank
Form of Verification: ID
Must apply in person
Types of Accounts Offered: Personal checking and savingsLearn more about Farmers State Bank
Butte State Bank
Form of Verification: Credit report
Email from Bank:
We use a credit report to verify a persons credit history on a checking account.
Types of Accounts Offered: Personal checking, savings and business accountsLearn more about Butte State Bank