Missouri Banks & Credit Unions That Don't Use ChexSystems

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 Missouri 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.

Community Bank and Trust

Form of verification:


Email from the bank:

We do not look at check systems or any other program like that when opening an account. If you were to open your account online with us then it will pull information from your credit report to be able to ask questions to verify your identity. It wouldn’t matter what your score is or anything that’s on there is simply just uses it to verify that you are who you say you are.

Types of accounts offered:

Personal checking, savings and business accounts

Learn more about Community Bank and Trust

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.

Learn More

First National Bank

Form of verification:

ID and SScard

Email from the bank:

We do not use chexsystems or a credit report to open a new account. However we do require a valid picture ID and social security card.

Types of accounts offered:

Personal checking, savings and business accounts

Learn more about First National Bank

U.S. Bank

Form of verification:


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.

Types of accounts offered:

Personal checking, savings and business accounts

Learn more about U.S. Bank

Century Credit Union

Form of verification:


Yes, we offer simple business accounts. Basically, it is just like a personal account except we open it under the business name, we would need a tax I.D.# and your name would be the joint owner of the account.

Email from the bank:

At Century Credit Union we use Telecheck as our approval system for new accounts. If we obtain an approval from Telecheck then we open the checking account. If an approval is not available then we would offer to open a savings account only. We will only run your credit report when you apply for a loan thru us.

Types of accounts offered:

Personal checking, savings and business accounts

Learn more about Century Credit Union

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