Nebraska Banks & Credit Unions That Don't Use ChexSystems

Have you had problems with money management in the past and are currently in desperate need of a checking account to get out of a bind? Are you concerned that your past financial record would prevent Nebraska banks from approving your request for a checking account? Don't be too worried about it. Some non-ChexSystems throughout Nebraska are record-friendly and will give you a second chance by approving your request to open a bank account with them.

These non-ChexSystems banks are unconcerned about your previous financial history. They may simply request photo identification or use other checking systems such as a credit report, EWS, or TeleCheck.

In this article, we'll talk about some of Nebraska's top banks that don't use ChexSystems.

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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Adams County Bank

Adams County Bank was established in 1878. Since the bank's inception, it has made a name for itself in the Nebraska banking industry. When applying for a checking account at Adams County Bank, customers are only required to present a valid form of identification. Therefore, it is easy for customers to open a checking account regardless of what has been reported to agencies like ChexSystems, EWS, or Telecheck.

Adams County Bank boasts about its highly competitive rates. In addition, it has made certain that its customer service is highly effective to ensure that its customers' needs are met regardless of their financial records.

Adams County Banking offers an excellent e-Checking account that is affordable and cheap to maintain. Customers with an e-Checking account have access to online banking and bill pay. It does, however, require you to sign up for monthly eStatements. If you use your card more than 30 times per month, there is an additional $0.10 per transaction in addition to the low $3 monthly fee. You can avoid these fees if your account balance exceeds $500.

In addition to their available deposit account, you can open a regular checking account, super now checking account, savings account, or a money market account.

Learn more about Adams County Bank

Citizens Bank and Trust

Citizens Bank and Trust does not use ChexSystems when you apply for an account. Instead, they only require two forms of identification. In addition, they offer a simple, no-hassle account called Totally eChecking, which is ideal for day-to-day spending and includes eStatement enrollment.

Their checking account is tailored to a customer's specific requirements. Citizens Bank & Trust provides you with all the convenient features necessary to make your banking journey enjoyable and tailored to your needs.

The following are some of the advantages of having a Totally eChecking account with Citizens Bank and Trust:

  • Begin with only $50.
  • There is no monthly maintenance fee.
  • There is no minimum balance to maintain.
  • Check writing is unlimited.

Citizens Bank and Trust's new personal checking solutions include the following FREE convenience features:

  • FREE Debit Card and Bill Payer
  • FREE Internet Banking
  • PDF Switch It Help for Free
  • Mobile Banking Is Free
  • FREE eStatements

Learn more about Citizens Bank and Trust

Bank of Doniphan

Bank of Doniphan lets you focus on other things rather than your minimum balance. It is one of the best second-chance lending institutions in Nebraska. They would rather approve a customer credit report than their ChexSystems record. There are three available options: Simply Free Checking, New Horizon Checking, and Now Checking, but the most basic is Simply Free Checking. There is no minimum balance requirement with Simply Free Checking. All you need to do is open an account with them and deposit $50.

The Simply Free Checking account comes with the following features:

  • Unlimited check writing
  • Statement Electronic Delivery and Statement Mail Delivery
  • No Monthly Maintenance Fee
  • Minimum balance of $300 or More/No Monthly Maintenance Fee and Minimum Balance of $0.00 - $299.99/$8.00 Monthly Maintenance Fee.
  • ATM withdrawals from the Bank of Doniphan are free, and each monthly statement includes three free foreign withdrawals.

Learn more about Bank of Doniphan

Trius Federal Credit Union

Trius Federal Credit Union is one of the few banks in Nebraska that does not require a ChexSystems review. Instead, it requires a simple credit check. They also provide their customers with a variety of checking options, including Dividend Checking, Reward Checking, Simple Checking, and Club Checking, but Simple Checking is the most fundamental.

Some of the advantages of having a Simple Checking account at Trius Federal Credit Union include:

  • There is no minimum balance, and no initial deposit required.
  • There is no monthly maintenance fee.
  • Visa contactless debit card is provided for free.
  • Account access via the internet and oOnline bill payment is completely free
  • Check writing is unlimited.
  • Paper statement fee $3 (Avoid fee if total balance exceeds $25,000 per membership).
  • Electronic declarations and overdraft protection and privilege are available.
  • A monthly shred day is free.

Trius Federal Credit Union also offers online banking, bill pay, a monthly shred day, and e-statements. You might additionally qualify for overdraft protection based on your past behavior.

Learn more about Trius Federal Credit Union

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