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

Form of Verification:

Choice Point

Special Notes

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 accounts

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 accounts

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 approved

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 accounts

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.

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 accounts