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 North Dakota 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.
BBVA is one of the most well-known banks for North Dakota 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 North Dakota 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.
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.
Gate City Bank
Form of Verification: Choice Point
They are not using ChexSystems at all and will approve anyone. It has been reported that as long as you do now them any money that they will approve you. Anyone living in the state of ND can get an account here.
Email from person that got an account - Wanted to let you know that Gate City Bank in North Dakota and Minnesota have opened the doors wide open. They used to be a strict ChexSystems institution, but recently they dropped their affiliation with ChexSystems and are accepting anyone. Of course it is preferred that you be a Minnesota or North Dakota resident (although I know of no policy where they would not open an account to someone from another state). All they did was run our drivers license and Social Security numbers through their system and we were approved just like that!! I'm sure the typical advice would apply. You must not owe Gate City any money.
Email from Bank:
In response to your message, we use a program called ChoicePoint to verify new account customers.
Types of Accounts Offered: Personal checking, savings and business accountsLearn more about Gate City Bank
Dakota Community Bank & Trust
Email from Bank:
We do pull credit for all new accounts. A lot depends on what the credit report has on it, not all is based on the score. We look to make sure that you haven’t abused a financial institution in the past and how responsible you are about keeping up with the payments on the current bills you have. It really is a case by case situation. If you don’t quality for a checking account you may qualify for a savings account, and we may be able to revaluate your situation 6 months down the road. Like I said it really is case by case.
Types of Accounts Offered: Personal checking, savings and business accountsLearn more about Dakota Community Bank & Trust
Town and Country Credit Union
Form of Verification: Credit report
Email from Bank:
We verify all new accounts with a credit report. If the score is less than 600 the employee opening the account for you may ask for approval from a supervisor. Depending on what is on the credit report a savings or checking account may be opened if approvedLearn more about Town and Country Credit Union
Capital Credit Union
Form of Verification: Credit report and ID
Email from Bank:
When we open a new account we require a savings account with a balance of $25.00, and to start the checking we require a deposit of at least $25.00.
Anyone can qualify for the savings account, and to open the checking account we will pull a credit report. The credit score needs to be at least 600 to open the checking account.
Types of Accounts Offered: Personal checking, savings and business accountsLearn more about Capital Credit Union
Form of Verification: ChexSystems
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.
Email From person that was approved there - Hello. Just wanted to let you know that you can add US Bank in North Dakota and Minnesota to your list of lenient banks. I went into the South University Drive branch in Fargo today and spoke with Megan, one of the customer service representatives. I have a previous ChexSystems listing resulting from a horrible experience with Wells Fargo (that's for another story). That listing must be over 2 1/2 years old, because I was declined when I applied on US Bank's website - it said the turn down was based on my consumer report (credit file) with TransUnion.
When I went into the branch, Megan keyed in my identifying information into the computer (drivers license, social security number, etc.) and I was approved for a Gold Package. Megan explained that at the branch level they don't check credit reports, they only check ChexSystems listings. Even then, from what I gathered, US Bank really is only concerned about any ChexSystems listings that involve fraud, check kiting, etc. Though I'm sure each individual's situation is considered on a case-by-case basis, my accounts were approved.
Types of Accounts Offered: Personal checking, savings and business accountsLearn more about U.S. Bank