Non ChexSystems Banks & Credit Unions in Idaho

Non-ChexSystems Bank Account at BBVA Compass is Available in Idaho!

Listed in ChexSystems or have bad credit? BBVA Compass approves customers in ChexSystems for their ClearChoice Money Market bank account.


Account Benefits
Not a ChexSystems Bank

Unlike most other banks and credit unions, BBVA does not run ChexSystems for customer verification.

Easy, Convenient Online Banking

Keep an eye on your accounts, transfer money and pay your bills with free online banking.

Pay Your Bills On Time the Easy Way

Never miss another bill payment again. With free bill pay online, you can schedule one-time or recurring payments to individuals or businesses.

Free ATMs

No ATM transaction fee for withdrawals and deposits at BBVA ATMs.

 

Right now, a guaranteed bank account at BBVA is the only trusted option for customers listed in ChexSystems or looking for a second chance bank account. With a high approval rate and excellent features and conditions, this is a fantastic opportunity to rebuild your credit.

Local Banking Options

Following is the web’s most comprehensive list of banks and credit unions in Idaho which do not use ChexSystems and which may approve you for a bank account.

Please note that any unsuccessful attempt to open an account may have a negative impact on your credit history and score.

To avoid this, please check if our proven, guaranteed approval solution is available in your area (listed above).

This list also contains email responses from banks as well as applicants’ personal experiences and comments. This page is updated regularly, so please consider adding it to your bookmarks.

Name of Bank Pioneer Federal Credit Union
Form of VerificationID and credit report
Special Notes

Does not use ChexSystems or TeleCheck..here is someone that got an account:

I went with Pioneer Federal Credit Union. Thanks.

Another one:

Hi, Just wanted you to know I got an account with Pioneer Federal Credit Union today, Thank you.

Membership Information

Pioneer Federal Credit Union is a growing family. Currently people who live or work in the following counties are eligible for membership: Ada, Canyon, Elmore, Camas, Blaine, Gooding, Jerome or Twin Falls, including Mountain Home Air Force Base, employees of all retail, wholesale, manufacturing, cooperatives, industrial and distribution establishments located in the following Idaho counties: Adams, Gem, Owyhee, Payette and Washington. In addition, all members of your immediate family are eligible to join.

Email from Bank

We do pull a credit report when someone applies for a checking or savings account, we do not use ChexSystems or TeleCheck. Normally it is 500 or greater score for both a savings and checking. If it is less than 500 with no collections or only medical or utility collections we may open a savings depending on what is being reported.

Types of Accounts OfferedPersonal checking and savings
Locations

Mountain Home, Glenns Ferry, Nampa, Eagle, Hailey, Twin Falls, Gooding, Jerome

Name of Bank Pine Tree Community Credit Union
Form of VerificationCredit report
Special Notes

I called and they do not use anything to open the accounts but they will run a credit report when a debit card is requested.

Membership Information

Our current Field of Membership includes anyone living or working in Idaho County.

Types of Accounts OfferedPersonal checking and savings
Locations

Grangeville, Riggins

Name of Bank Capital Educators Federal Credit Union
Special Notes

THEY DO NOT USE CHEXSYSTEMS, TELECHECK, EWS.

Email from person that got an account: Thank you for sending me the list. I can’t tell you how much I appreciate it. We are going to open an account this afternoon at Capital Educators Credit Union here in Boise. When I called to talk with them to see if they did a credit check or used ChexSystems, they said no and that they are just a “handshake kinda bank”.

Make a donation to their teacher assistance fund and your eligible for membership.

Email from Bank

Here at Cap Ed, we do not use ChexSystems, TeleCheck, or early warning. However, you may have your credit report ran upon opening a new account.

Types of Accounts OfferedPersonal checking and savings
Locations

Kuna Branch - Kuna , McMillian Branch - Boise, Meridian Branch (Main) - Meridian, Parkcenter Branch - Boise, Nampa Branch - Nampa, Thunderbolt Branch – Boise.

Name of Bank Latah Federal Credit Union
Form of VerificationID and OFAC
Special Notes

Do not use ChexSystems, TeleCheck, or EWS.

Membership Information

Latah Federal Credit Union provides competitive financial services to all who live, work, volunteer, worship, do business in, or go to school in Latah County, Idaho.

Email from Bank

At this point, we do not use one of these services to verify accounts. We do run everyone through OFAC.

Locations

912 South Washington
P.O. Box 9286
Moscow, ID 83843-1786

875 Line Street
P.O. Box 44524
Moscow, ID 83844-4501

168 Hwy 6
P.O. Box 264
Potlatch, ID 83855-0264

602 Main St.
P.O. Box 274
Kendrick, ID 83537-0274

Name of Bank Horizon Credit Union
Form of VerificationCredit report
Membership Information

Persons who reside, work, or worship within Boundary, Bonner, Kootenai, Benewah, Shoshone, Latah, Nez Perce, and Lewis Counties of Idaho.

Email from Bank

Horizon Credit Union uses a credit report when opening a new account. We evaluate the credit profile as a whole, so we don’t limit it to a particular minimum credit score.

Types of Accounts OfferedPersonal checking and savings
Locations

Post Falls, Bonner Mall Way, Sandpoint, Couer D’ Alene

Name of Bank U.S. Bank
Form of VerificationChexSystems
Special Notes

It has been reported that if your report is 21/2 yrs or older, they will not even see it. If this is your situation you can apply online, if not, you would need to visit an “in store” branch.

Most US banks “in store” branches are giving accounts to most people on ChexSystems. These are regular accounts, not 2nd chance checking...as long as you do NOT owe US Bank money and you are not reported on your ChexSystems report for any kind of "fraudulent activity".

There are some branches that are still not using this policy so it might be a good idea to call a branch local to you and ask about their policy first before going in.

Some “in store” branches have signs that actually says “ChexSystems? no problem!”… yet others will not open accounts at all. People are approved everyday.

Some branches do offer 2nd chance checking and some have been able to open business accounts when all debt to reporting bank(s) are paid and fraud is not indicated.

Types of Accounts OfferedPersonal checking, savings and business accounts
Name of Bank Idaho Central Credit Union
Form of VerificationCredit report
Membership Information

Who is Eligible? All employees of retail, wholesale, service and manufacturing establishments who reside in, work in, are headquartered in or are paid from Ada, Adams, Bannock, Bear Lake, Bingham, Blaine, Boise, Bonneville, Butte, Camas, Canyon, Caribou, Cassia, Clark, Custer, Elmore, Franklin, Fremont, Gem, Gooding, Jefferson, Jerome, Lemhi, Lincoln, Madison, Minidoka, Oneida, Owyhee, Payette, Power, Teton, Twin Falls, Valley, and Washington Counties.

People employed in the of the State of Idaho, other public employees within the State of Idaho, and members of Credit Unions located in the State of Idaho.

People employed in any division, subsidiary or branch of the Micron Corporation.

People who reside in, work in, or are paid in Jackpot, Nevada.

Email from Bank

Thank you for your email. We do not use check systems, TeleCheck or early warning when opening a membership. We do use credit reports when we open them. In order to qualify for membership you must live or work in the state of Idaho and have a minimum credit score of a 480.

Types of Accounts OfferedPersonal checking, savings and business accounts
Name of Bank Bank of the West
Form of VerificationChexSystems
Special Notes

The manager told me its called "Fresh Start". Your last entry into ChexSystems must be older than one year. Cannot say Fraud. $10 a month.

Types of Accounts OfferedSecond chance checking
Name of Bank Cottonwood Community Credit Union
Form of VerificationEquifax Credit report
Special Notes

They do not use ChexSystems.

Membership Information

Membership to persons who live, regularly work, attend school, worship, or volunteer in Idaho or Lewis Counties.

Email from Bank

I called and verified they do not use ChexSystems but they will run an Equifax credit report and look at the overall credit.

Types of Accounts OfferedPersonal checking and savings accounts
Name of Bank Icon Credit Union
Form of VerificationChexSystems
Special Notes

If you are eligible for membership you can get a savings account and they will only run a credit report. If you apply for the checking, they will run ChexSystems and they may approve you depending on the severity of the report. For best results for a checking, reporting bank(s) must be paid and fraud should not be indicated on the report.

Membership Information

Persons who live or work in, or organizations located within, Union County, Oregon.

Persons who live, work, worship, or attend school in, and businesses and other legal entities located within the counties of Kootenai and Shoshone, Idaho; the counties of Kootenai and Shoshone, Idaho meet the underserved “investment area” definition of Section 109(c)(2) of the Federal Credit Union Act; (01-30-04)

Persons who live in the following prescribed underserved community; persons who regularly work, go to school, worship, perform volunteer services, or participate in associations headquartered in the prescribed underserved community; persons participating in programs to alleviate poverty or distress which are located in the prescribed underserved community; incorporated and unincorporated organizations located in the prescribed underserved community or maintaining a facility in the prescribed underserved community; this prescribed underserved community meets the investment area definition of Section 1759(c)(2) of the Federal Credit Union Act;

Prescribed community as defined by NCUA to be an underserved “investment area”: The area located in Boise, Idaho commonly known as census tracts 01.00, 03.00, 04.00, 05.00, 06.00, 09.00, 10.00, 11.00, 14.00, 17.00, and 20.00.

Email from Bank

We typically pull a credit report with new memberships and run ChexSystems for new checking accounts.

Types of Accounts OfferedPersonal savings and checking account
Name of Bank Mountain West Bank
Form of VerificationProper ID
Special Notes

YOU MUST apply in person. See email below from bank.

Membership Information

Person that got an account:

Absolutely loving Mountain West Bank. As long as you go into a branch (Even with my horrible looking Chex report), they approve for any type of account. Since Chase is going non-free business side checking, I moved my Inc here, as well as have my personal checking and savings accounts there as well.

Email from Bank

Thank you for your message. If you come into a branch we do not run ChexSystems, however if you were to apply for a checking account through our website we do..

Types of Accounts OfferedPersonal checking, savings and business checking

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