North Dakota Banks & Credit Unions That Don't Use ChexSystems

Everyone needs a bank account to make up for their financial needs, though we can't say that someone who has a bank account will settle all their borrowed finances—some may face issues in paying them. But it might become a drawback to open a bank account afterward due to negative records of previous imbalanced bank accounts.

Paying bills, offline and online transactions, and purchases were impossible without coming into the checking account. When you need to open a new bank account, the banks will go for a ChexSystems. Most banks will have the nature of checking the person's bank history, credit score, savings, and too many overdrafts or unpaid financial fees.

If this happens, then the maintenance of the account will be critical. For this reason, many banks provide a second chance for those persons to maintain their bank accounts without looking at the ChexSystems. Here we will discuss the banks that don't use ChexSystems in North Dakota.

What is ChexSystems?

ChexSystems is an independent company that collects the report of your financial and banking history and gives it to financial institutions and banks. In the past, if you had an overdrawn bank account or a history of bounced checks, the bank might forward these reports to ChexSystems.

Where Can You Open a Checking Account Without ChexSystems?

Your report on ChexSystems will remain for five years—unless the ChexSystems information is inaccurate and the file is wrong. If you had paid the old bank account, ensure that the bank sent the letter to ChexSystems regarding updating your old records.


Current financial technology firm but not a bank. The organization does not pull your credit history or use ChexSystems, yet they have a lot to offer.

Fee-free overdraft protection of up to $100 gets included with a Current mobile banking account. With your Current debit card, you may use over 40,000 fee-free Allpoint ATMs, and there are no minimum balance requirements or hidden fees.

With a Current Premium account, you may get paid up to two days early with direct deposit. With Current Savings Pods, you may earn up to 4.00% APY.

Discover Bank

With a minimal beginning deposit and 24/7 access to your money, establish a Discover Bank savings account online and earn a rate 5x the National Savings Average. Although there is no initial deposit, you have 30 days to make one at a local bank or set up a direct deposit. You can also mail in your first deposit.

Learn more about Discover Bank

American Federal Bank

Instead of a clean ChexSystems record, you'll need about a 680 credit score or better to qualify for an American Federal Bank checking account. There are other different checking accounts to pick from, but American Free Checking is the most basic and has the fewest restrictions.

You receive a debit card and limitless check writing for no monthly price. There's also no requirement for a minimum balance, making it a simple account to manage.

Direct deposit, internet banking, bill pay, and 16 checks are all available for free when you start your account. Fargo, Grand Forks, Northwood, and Wahpeton are among the sites of the American Federal Bank.

Learn more about American Federal Bank

Scottrade Bank

Open an online checking account with no monthly or ATM fees, including the vast cash withdrawal costs levied by another bank ATM. Checks are free. There is no initial investment required. Make deposits at 1 of over 500 local branches around the country. Before creating a checking account, you must first open a free brokerage account. North Dakota banks are not utilizing ChexSystems.

Learn more about Scottrade Bank

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