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

See editor's choice

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 Nevada 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.

Editor's Choice

BBVA Online Checking

BBVA is one of the most well-known banks for Nevada 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

Recommended For:

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 Nevada 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.

U.S. Bank

Form of Verification: ChexSystems

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 checking...as 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

Nevada State Bank

Form of Verification: ChexSystems

Special Notes:

All reporting bank(s) must be paid and ChexSystems report can not indicate fraud.

Email from Bank:

Thank you for your interest in opening a checking account with Nevada State Bank. Our Fresh Start account is a second-chance checking account for individuals whose accounts have been closed and charged-off by another financial institution due to excessive overdrafts. This is the only type of account that you can open if you have a record on ChexSystems.

Before opening the account:

You will be required to attend a checking account management seminar through Consumer Credit Counseling Services ($20 fee to be paid to CCCS).

You must provide written verification of payment in full to former bank.

If the account is in good standing after one year, your account type will be changed to any other account type Nevada State Bank has to offer. The minimum opening deposit amount is $25.00. There is a $5.00 monthly service charge. In the event you should have an item(s) presented against non-sufficient funds, there is a $30 charge per item paid or returned, plus a $5 charge each day the account is overdrawn. A warning letter will be sent after the first 3 NSF's stating the account will be closed on the 4th NSF. Accounts will be closed on the 4th NSF occurrence and will not be re-opened.

Types of Accounts Offered: Second chance checking

Learn more about Nevada State Bank

Bank of the West

Form of Verification: ChexSystems

Special Notes:

The manager told me its called "Fresh Start". Your last entry into ChexSystems must be older than one year. Cannot say Fraud. $10 a month.

Types of Accounts Offered: Second chance checking

Learn more about Bank of the West

WestStar Credit Union

Form of Verification: ChexSystems

Special Notes:

This checking account is available to members who have a previous record on ChexSystems. With this account, members are given a 2nd chance. Maintain your 2nd Chance Checking for 12 months with positive account activity, and they will automatically graduate your account to a Star Checking!

  • Available to those members 18 and older who qualify
  • No minimum balance
  • There are no per check charges
  • Monthly service charge of $15

Learn more about WestStar Credit Union

Idaho Central Credit Union

Form of Verification: Credit report

Email from Bank:

Thank you for your email. We do not use ChexSystems, TeleCheck or early warning when opening a membership. We do use credit reports when we open them. In order to qualify for membership you must live or work in the state of Idaho and have a minimum credit score of a 480.

Types of Accounts Offered: Personal checking, savings and business accounts

Learn more about Idaho Central Credit Union

Banks and Credit Unions That Don't Use ChexSystems by State

AlabamaLouisianaOklahoma
AlaskaMaineOregon
ArizonaMarylandPennsylvania
ArkansasMassachusettsRhode Island
CaliforniaMichiganSouth Carolina
ColoradoMinnesotaSouth Dakota
ConnecticutMississippiTennessee
DelawareMissouriTexas
District of ColumbiaMontanaUtah
FloridaNebraskaVermont
GeorgiaNevadaVirginia
HawaiiNew HampshireWashington
IdahoNew JerseyWest Virginia
IllinoisNew MexicoWisconsin
IndianaNew YorkWyoming
IowaNorth Carolina
KansasNorth Dakota
KentuckyOhio