Idaho Banks & Credit Unions That Don't Use ChexSystems

Idaho citizens might find it challenging to get a loan if they have had some financial issues with banks or other institutions. If you have a history of overdrafts, defaults, or unpaid charges, then you might have difficulty getting a loan from traditional banks or financial institutions because your former lender might report it to ChexSystems. As a result, it will go on your record with all the relevant information. So, if you apply for a loan, and the bank asks you for your ChexSystems record, then there is a good chance you won't get approval for your loan.

Nevertheless, Idaho residents can find many online banks and institutions that don't use ChexSystems—and even if they do, you’ll still have a good chance of getting a loan under particular conditions.

In this article, we will discuss some banks in Idaho that don’t rely on ChexSystems and can give you loans to fulfill your needs.

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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Latah Credit Union

Latah Federal Credit Union is optimal for anyone looking to get a second-chance checking account. Latah Federal Credit Union will quickly help you set up an affordable checking account.

Although there is a fee of $8 every month, the bank will waive it if you have a daily balance of $100. You also need to deposit $25 when opening your Latah Federal Credit Union account. Other than that, there are no additional fees that you have to pay.

Reasons to Choose Latah Federal Credit Union

Latah Federal Credit Union allows you to take advantage of digital banking. Additionally, you can make unlimited transactions with your debit card.

The bank has five branches in Northern Idaho:

  • Benewah
  • Latah
  • Bonner
  • Nez Perce
  • Lewis County

Let's go over the benefits that come with Latah Federal Credit Union’s services:


  • Easily apply for various affordable financing options (e.g., auto loans, personal loans, etc.)
  • Access to debit card for everyday payments
  • Credit card to improve your liquidity


  • Loan approval takes some time

Learn more about Latah Credit Union

U.S. Bank

US Bank is one of the best banks in Idaho that doesn't use ChexSystems. One of the advantages of applying for a loan with US Bank is that you can get one—even if you have a bad credit history. This financial institution also offers customers a credit-builder Visa credit card. Moreover, you can use its cell-phone app to transfer money and deposit checks.

Reasons to Choose US Bank

In addition to loans, US Bank offers its customers access to 60K+ fee-free ATMs, and the Visa debit card does not come with any overdraft fees, which makes it an ideal choice for Idaho residents.

Let's go over some of the pros and cons of using US Bank.


  • No overdraft fees
  • No monthly maintenance fees
  • No foreign-transaction fees


  • Slightly lower interest rate than other banks

Learn more about U.S. Bank

Cottonwood Community Federal Credit Union

Another financial institution in Idaho that does not use ChexSystems is Cottonwood Community Federal Credit Union. When you open an account, you can enjoy a wide range of features (e.g., no hidden fees, no credit checks, etc.). So, if you are looking for an account that allows you access to easy credit, then this bank is a good choice.

Reasons to Choose Cottonwood Community Federal Credit Union

The best thing about the Cottonwood Community Federal Credit Union is that it checks your Equifax report, not ChexSystems. Additionally, you won't have to pay for any of the hidden fees (e.g., annual charges, overdraft, card replacements, etc.).


  • 1% cashback on every order placed through Amazon, Spotify, Netflix, and Uber Eats
  • Get a loan with no ChexSystems credit check
  • Premium membership rewards


  • Stringent requirements to get a loan with bad credit history

Learn more about Cottonwood Community Federal Credit Union

Pioneer Federal Credit Union

Pioneer Federal Credit Union is motivated to help the community achieve their goals and dreams. This institution provides various loans to Idaho residents without using ChexSystems.

Reasons to Choose Pioneer Federal Credit Union

Pioneer Federal Credit Union is ideal if you have a credit score of around 500-550. You can also qualify for a loan from Pioneer Federal Credit Union with a lower credit score than 500 if you have no open collections apart from utilities or medical.

All Pioneer Federal Credit Union’s checking accounts cost only $1.99 per month. You can choose their preferred checking account to eliminate minimum account balance requirements.

There are plenty of Pioneer Federal Credit Union branches in various locations throughout Idaho, including:

  • Boise
  • Caldwell
  • Gooding
  • Hailey
  • Jerome
  • Meridian
  • Middleton
  • Mountain Home
  • Nampa
  • Twin Falls

Let's go over some of the benefits you can enjoy with the Pioneer Federal:


  • Discount tickets for different amusement parks
  • Significant savings at Disney World, beach resorts, and other places
  • Easy access to a loan for your needs


  • No obvious cons or dealbreakers!

Learn more about Pioneer Federal Credit Union

Pine Tree Community Credit Union

Finally, Pine Tree Credit Union does not rely on the ChexSystems when giving out loans. Idaho residents can get loans from this bank with a decent credit score. You only need to deposit $100 when opening a shared checking account.

Reasons to Choose Pine Tree Credit Union

Once you open your account, there are no balance requirements or monthly charges that you have to pay. To become a member of the Pine Tree Credit Union, you need to live, work, attend school, or volunteer in Idaho. The bank has two branches in Grangeville and Riggins.


  • Access to various loans at an optimal interest rate
  • Loan calculator to give you an idea of the amount you will have to pay back
  • Easy loan-application process


  • Limited branches across Idaho

Learn more about Pine Tree Community Credit Union

Final Thoughts

If you want to get a loan from a bank that doesn't use ChexSystems, then you should choose the best one from the above list. We have mentioned some of the best banks for Idaho residents. You can go through their requirements and specifications to choose one according to your needs.

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