Colorado Banks & Credit Unions That Don't Use ChexSystems

Colorado is a beautiful state, and it's also home to many of the best banks in the country. You might be surprised to learn that there are plenty of big banks in Colorado don't require ChexSystems to open an account.

I'm sure you've heard of ChexSystems. It's a credit reporting agency that keeps a file on financial institutions and their customers, which means it can make life difficult for those who want to open an account with a bank that doesn't require ChexSystems. If you're looking for a new bank and you don't have time to deal with ChexSystems, these are great options.

Why opt for banks that don’t use ChexSystems?

There are a lot of reasons to choose a bank that doesn't use ChexSystems, and the best part is that there aren't many banks that don't take the time to do as much as you need them to.

While it's true that some banks have been known to require ChexSystems to open an account, there are plenty of others out there who will let you open an account without any hassle.

So, if you're looking for a new bank where you can feel comfortable opening up your account, we've put together this list of Colorado banks that don't require ChexSystems so you can find one that's right for you!

Editor's Choice

CIT Bank

The CIT Bank Savings Connect account is the best among banks that don’t use ChexSystems. Unlike many other non-ChexSystems accounts, the CIT Bank Savings Connect is also a high-yield savings account that can help grow your savings much faster than most other banks can.

Features and Benefits:

  • Interest-bearing
  • Minimum balance requirement: $0
  • Monthly maintenance fee: $0
  • Monthly ATM charge reimbursements of up to $30

Why is it recommended for you?

Although CIT Bank has a relatively high minimum deposit ($100) to get started, it offers one of the best interest rates among online banks, and has no opening, monthly servicing, online transfer or incoming wire fees.

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The Best Alternative

The Complete ChexSystems Removal Kit

Our comprehensive ChexSystems Removal Guide includes the exact documents and instructions guaranteed to help you get off ChexSystems and start banking again.

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Chase Bank

Chase Bank of Colorado is one of the largest banks in Colorado, and it's one of the few banks that doesn't require ChexSystems. This means that anyone who lives in Colorado can open a secure banking account with Chase without having to worry about getting denied or having their account rejected because they don't meet ChexSystems standards.

This bank also has some great features like Chase Cash Rewards, which allows customers who deposit money at a Chase branch to earn cash back rewards on their deposits (up to $150 per month). They also have competitive rates on mortgages and auto loans as well! Plus, they have some great perks like free checking, no ATM fees at any Chase location, and even free overdraft protection if you use your debit card. You can check out their website for more information about their services.

Learn more about Chase Bank


NorthOne is a financial institution in Colorado that doesn't require that its customers have good credit to open an account. That means if you've been denied by ChexSystems in the past, or if you just want to try a new bank, NorthOne could be the perfect place for you. If you're looking for a checking account with no monthly service fees, no overdraft fees, and no minimum balance requirements, look no further than NorthOne.

NorthOne offers the following features:

  • No monthly service fees
  • No overdraft fees
  • No minimum balance requirements
  • Free $20 credit for new accounts.

Learn more about NorthOne

Unify Financial Credit Union

Unify Financial Credit Union doesn't require ChexSystems, and it offers a wide range of services from account management to savings accounts. You don't need ChexSystems to open an account with Unify Financial Credit Union. You can do it online or over the phone, and you'll get access to all of your TransUnion reports, even if you've had problems with them in the past. UFCU has a branch located in Aurora, Colorado.

Their goal is to make sure that you have access to the best banking options available in Colorado—that's why they offer so many different types of accounts and services. Unify Financial Credit Union offers free checking accounts, interest-bearing savings accounts, student loans, and other financial products designed specifically for millennials.

Learn more about Unify Financial Credit Union


It's time to boost your credit rating. There are plenty of great banks that don't rely on ChexSystems to open accounts. So even if you were denied by a previous bank, there is no reason to give up on having a safe and reliable place for all of your savings. The list we've provided here is a great place to start, but there are surely more places where you can turn if you want to get back into the banking game and start building your credit rating again.

Ultimately, however, it is up to consumers to evaluate the costs and benefits of each type of account. Consumers must also consider how they intend to manage their bank accounts—some accounts have more restrictions than others. Hopefully, this post has provided its readers with enough information so that they can make an informed decision about which type of checking account will best meet their needs. Good luck!

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