Montana Banks & Credit Unions That Don't Use ChexSystems

ChexSystems is a consumer reporting agency that bank use to screen the bank account and loan applications they get. This agency looks at your previous banking activity, and according to a strict criterion, they assign you a score. This score determines whether you will get approval from the bank regarding your bank account query or loan request. Most major banks in the United States use ChexSystems to screen the applicants they receive.

Due to ChexSystems, many people have unnecessary rejection when applying for bank loans and accounts. The ChexSystems can flag you for unpaid debts to previous banks, many accounts in multiple banks, fraud, and more. Since the reasons can be vast, people in Montana should look for non-ChexSystems banks to decrease their chances of rejection. These banks are usually local, humble, and simply better.

Below are some of the best non-ChexSystems banks in Montana that you should look at if you are tired of getting rejected from different banks.

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 Security Bank

This bank comes within the community. It provides services, products, and financial solutions tailored to the local community. If you want a bank that does not use ChexSystems and caters specifically to the local communities in Montana, the First Security Bank should be your first choice. The bank has been prevalent in restructuring existing loans for their customers. This community bank provides stores in many different communities in Arkansas with products that have benefits that help people.

Reasons for picking this bank

This bank has humble roots and has grown from humble beginnings, standing firm as a strong competitor within other community banks. Since they are a local bank, they offer excellent customer support for their consumers. Banking with First Security also means you get great cashback debit and credit cards and the ability to bank using your mobile phone. This family-owned bank serves consumer and business customers, offering a wide range of products. They offer deposits, loans, credit cards, and trust services.


  • Get multiple services
  • High customer service
  • Wide range of financial products

Learn more about First Security Bank

This bank does not run a banking database against a ChexSystems unit. The bank also does not conduct any credit card screening when you apply for it. For a person in Nevada to open a bank account in the valley bank of Helena, they will have to make sure that they have applied for two forms of ID, qualifying them to open a bank account with the Valley Bank of Helena. This easy sign-up process is very favorable for the people in Montana and makes this bank desirable compared.

Reasons why you should choose this bank

When you pick the Valley Bank of Helena, you can enjoy four different financial products that help make your banking experience better. The Free Checking product does not require monthly fees, and you can open an account without worrying about minimum balance requirements. However, you need to put in an opening deposit of $50 whenever you want to open this bank. Moreover, your account in this bank will come included with the following free-of-cost services:

  • Check images
  • Mobile banking
  • Remote mobile deposits
  • Bill payment
  • Online Banking Options

The mobile banking tool is an incredible resource for the people of Montana. With the help of mobile banking and online transactions, they can carry out banking activities in Montana regardless of where they reside.


  • Online banking opportunities
  • Amazing online banking systems
  • Easy signup process


  • Requires deposit when you want to open an account

Valley Federal Credit Union

This credit union has many branches in the West. With multiple locations and excellent customer service, this financial institution is one of the best options as a non-ChexSystems bank for the people in Montana. This credit union is member-owned, which means that when you join this credit union, you share a part of that union. This credit union is all about the local experience. All the decisions they make are local, and the people serving you are also local. Therefore, the financial business offers multiple services, with only a $50 deposit fee to open an account.

Reasons to choose this credit union

The bank also provides different services besides standard financial products and services. Auto loans, for one, are a great financial service this credit union offers. The mortgage advisors they offer are also local and reside in the area where you will purchase the loan. This bank also offers many benefits that make it easy for customers to bank. The credit union is also very innovative and pioneered interactive teller machines. You touch the screen and get in contact with a live local person. They also have multiple ATMs inside and outside.


  • You get amazing financial services and products
  • Saving accounts and banking accounts facility
  • Auto Loans


  • They do not provide a modern remote banking solution.

Learn more about Valley Federal Credit Union

Final Words

As you can see, options in Montana are multiple and local. However, each choice will suit different types of people. Suppose you want the best financial products and services, without worrying about the ChexSystems disapproving your loan or bank account application. In that case, you can pick community banks, credit unions, and other banks from the list, as mentioned earlier.

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