Does Nevada State Bank Use ChexSystems? Is it Good for Bad Credit?

Considering Nevada State Bank or already applying for its account? Find out whether Nevada State Bank uses ChexSystems and offers a second chance checking or savings account.

You walk into your local bank branch and sit down with your bank representative to talk about opening a checking account. Maybe you’ve been through some financial difficulties in the past, but you are ready to get back on track. But maybe not. You may think your financials are in good shape.

You wait with bated breath through the application process, only to let it out in a sigh of disappointment.

The banking representative turns to you and says, “I’m sorry, but we can’t open an account for you right now. You were rejected by ChexSystems.”

At that point, the banker probably explained ChexSystems to you in detail. If you haven't already, you can read our in-depth guide to ChexSystems and ChexSystems removal, and why it may be having a negative impact on your financial life.

Denials like these are surprisingly common. In fact, CNN has reported that approximately 15% of bank applicants are denied regular bank accounts.

Nevada State Bank

Several members of our community have reported that Nevada State Bank DOES use ChexSystems but you can still qualify for an account if you don't owe any money to the bank. A second chance checking or savings account is another option to consider. Check out their financial products below and visit the official website to learn more.


Method of Verification ChexSystems

All reporting bank(s) must be paid and ChexSystems report cannot indicate fraud.

Official Response (Email or Phone)

Thank you for your interest in opening a checking account with Nevada State Bank. Our Fresh Start account is a second-chance checking account for individuals whose accounts have been closed and charged-off by another financial institution due to excessive overdrafts. This is the only type of account that you can open if you have a record on ChexSystems.

Before opening the account:

You will be required to attend a checking account management seminar through Consumer Credit Counseling Services ($20 fee to be paid to CCCS).

You must provide written verification of payment in full to former bank.

If the account is in good standing after one year, your account type will be changed to any other account type Nevada State Bank has to offer. The minimum opening deposit amount is $25.00. There is a $5.00 monthly service charge. In the event you should have an item(s) presented against non-sufficient funds, there is a $30 charge per item paid or returned, plus a $5 charge each day the account is overdrawn. A warning letter will be sent after the first 3 NSF's stating the account will be closed on the 4th NSF. Accounts will be closed on the 4th NSF occurrence and will not be re-opened.

Top Banks That Don’t Use ChexSystems

Below you will find banks that don’t use ChexSystems as an alternative to Nevada State Bank in any step of the process. You can be sure that these banks won’t ever cross reference your records before deciding whether to let you open an account.

The list is suggested by our readers. Please consider the Unchex editor's curated list of banks that don't use ChexSystems for all the banking options available nationwide.

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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Main Office
750 East Warm Springs Road Las Vegas, NV 89119
Deposit Insurance
Established On
Dec. 14, 1959
Number of Members
Community Bank
Institution Class
Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Institution Type
Credit Union Programs
Low Income Designation
Member of FHLB
Total Assets
Asset Concentration
Commercial Lending Specialization
Charter Number
Routing Number
Membership Eligibility
Accounts Offered
Electronic Services
Access to Electronic Services
Services & Products: Credit
Services & Products: Depository
Services & Products: Financial Education
Services & Products: Other
Services & Products: Transactional