35+ Top Banks That Don’t Use ChexSystems Wisconsin

Best Banks & Credit Unions in Wisconsin That Don't Use ChexSystems

Are you tired of dealing with ChexSystems? Do you find its thorough search through your bank account and information highly suspicious? Have their reports prevented you from getting your own bank account? Or do you just want to work with a different, unrelated service? For all the benefits that ChexSystems can bring to a bank-account owner, there are just as many flaws that will make you wish you had nothing to do with them at all. For example, you may want more privacy for your bank account.

Of course, first you will need a bank account, but where will you go if you want a bank account that doesn’t use ChexSystems? Well, thankfully, we are here to help you, and don't worry; you won't need to worry about moving away or dealing with a bank from a different state. This top selection of banks can be accessed safely from Wisconsin. These banks are not only great alternatives to ChexSystems banks, but you can quickly get back on your feet with these new and convenient checking and savings accounts.


Before you look into local banks, the very first bank you should try is Chime. Chime is a national credit union, often praised for its free entry and incredibly low maintenance with no fees. It is not only free, but it has available ATMs.

Why We Recommend Chime

The most incredible value that Chime offers is its nonexistent barrier to entry, which includes the complete and utter lack of additional fees and charges (e.g., overdraft fees). With a speedy direct deposit, Chime is an incredibly useful bank to just leave your money in for months without having to lose it to unforeseen fees, and you can use the Chime debit card for all conventional purchases.

However, one negative is the lack of a physical location to deposit cash conveniently, which typically requires visiting a retail store (e.g., Dollar General or Walgreens). Additionally, wire transfers are currently not possible as of this writing.

Look into Chime as your first choice for a ChexSystems-free, second-chance bank with all-purpose, convenient, and simple checking and saving accounts.


  • $0 start-up fee
  • No maintenance or overdraft fees
  • Online banking and checking
  • Usable at ATMs around the country


  • No wire transfers
  • Inconvenient cash deposits with potential minor fees
  • No specialized rewards system

Axos Bank

A dependable counterpart to Chime, Axos Bank is another free credit union that focuses on accruing interest and offering loans. If Chime is too broad for your tastes, and there is a specific benefit you want from your bank—besides holding money and making purchases—then you should check out Axos Bank.

Why We Recommend Axos Bank

Axos Bank's High-Yield Savings Account boasts higher rates than most local and physical banks. With an APY of up to 0.61%, it competes with the best online savings accounts. Through Axos, you are granted several services besides checking and savings (e.g., filing new mortgages and receiving auto, home equity, and personal loans). As it is an online bank, you can also access your account whenever and wherever you are—even if you are out of state—but one flaw Axos Bank shares with many other banks of its kind is the inability to make quick and convenient cash deposits, as there are no physical banks, and you cannot use services such as PayPal conveniently.

Those who are looking for high interest and loans should check out Axos Bank.


  • $0 start-up fee
  • No maintenance fees
  • Highest APY rate
  • Mortgage, auto, home-equity, and personal loans


  • Daily limits on cash withdrawals and transactions
  • Does not link to PayPal

Sable Banking

Sable Banking is a credit union that boasts a "premium path to financial freedom,” and most importantly, the ability to build up credit free and quickly. The Sable ONE Secured Credit Card will count every one of your purchases towards your credit.

Why We Recommend Sable Banking

Through Sable Banking, you can access a variety of different benefits and graduate to traditional credit 3X faster than usual, in as few as four months. There are no hidden additional fees or credit checks for you to worry about, and Sable Banking will accept you—even if you have a limited or terrible credit history.

However, Sable Banking's rewards system primarily focuses on helping you build your credit score. While it is otherwise a very lucrative reward system and definitely worth your time, there are other systems that better prioritize other forms of rewards (e.g., travel and checking). However, those banks often use—you guessed it—ChexSystems and require a much heftier minimum balance, as well as additional fees.

For those who want a great credit union that provides a comfortable way to earn and build credit, Sable Banking is the bank for you!


  • Credit-building—even with a limited or inadequate credit history
  • Non-U.S. citizens can apply without a Social Security Number
  • No annual or monthly fees


  • No notable rewards system
  • Unremarkable checking

Crossbridge Community Bank

Perhaps online international banks aren't your thing, and you would like to enroll in a bank much closer to home. In that case, Crossbridge Community Bank—a merger of Tomahawk Community Bank and Merrill Federal Savings and Loan Association—has two locations in Wisconsin.

Why We Recommend Crossbridge Community Bank

Community banks do not offer prestigious benefits or reward systems. However, what they do have over other banks is better and more local service right in your community. Unlike other banks, Crossbridge Community Bank has a physical location, though there is still an online app for checking your account balance and upcoming fees. Employees will be eager to help you with any of your troubles and give you additional information about the bank.

Starting a basic personal checking account requires no minimum balance or fees, while a personal savings account only requires $50, and that number is lowered to only $5 for people below the age of 19. That is in addition to other student-based services, and a way to track and gauge your ability to buy a house, including which type of house you can afford.

As stated before, Crossbridge Community Bank does not offer many great benefits besides a stable account and convenient customer service, but those who want the cozy feeling of a local bank combined with all sorts of modern amenities should drive down to their local branch of Crossbridge Community Bank today.


  • Physical locations
  • Local bank
  • Great customer service
  • Mortgage tools and options


  • Additional fees
  • Lack of other substantial benefits

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