Non ChexSystems Banks & Credit Unions in Iowa

Free (Second Chance) Checking Account at BBVA Compass is Available in Iowa!

Listed in ChexSystems or have bad credit? BBVA Compass approves customers in ChexSystems for their ClearConnect Free Checking Account.


Account Benefits
Free Checking

There is no monthly service charge plus you can enjoy online and mobile banking, free bill pay and unlimited check writing.

Not a ChexSystems Bank

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

Visa Debit Card included

Use your BBVA Compass Visa® Debit Card fee-free at any BBVA Compass and Allpoint ATM's.

Bad Credit? No Problem

Even if you have a poor credit history, BBVA will approve you for a Second Chance Checking account with the same great features for a low monthly fee.

Right now, a guaranteed bank account at BBVA is the only trusted option for customers listed in ChexSystems or looking for a Second Chance Checking 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 Iowa 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 R.I.A. Federal Credit Union
Form of VerificationCredit report
Membership Information

Persons who live or work in Scott, Muscatine, Rock Island, and surrounding counties in Iowa and Illinois are eligible for membership, as are persons residing or employed in Monroe and parts of Juneau counties in Wisconsin.

Email from Bank

When opening a Checking or Savings account we pull a credit report. Most people will qualify for a savings account regardless of the result of their credit report; however, the determination of eligibility for a checking account would be at the discretion of the manager opening the account and is dependant on the outcome of the report. All members must also qualify for our field of membership before an account can be opened.

Types of Accounts OfferedPersonal checking and savings
Locations

Bettendorf
4217 Utica Ridge Rd
Bettendorf, Iowa 52722

Davenport
3509 Harrison St
Davenport, Iowa 52806

Wilton
1111 W 5th St
Wilton, Iowa 52778

Name of Bank Farmers State Bank
Form of VerificationID and credit report
Special Notes

They do NOT use ChexSystems and generally they are looking for a score of 600 or above.

Email from Bank

In regards to your question we pull a credit report (Equifax) on each person that is going to be on the account. We would need to have your name, address, phone number, social security number, date of birth, and a copy of a id (drivers license, social security card, etc). If you would like us to get started with this please let us know.

Types of Accounts OfferedPersonal checking, savings, and business accounts
Locations

Offices located in Waterloo, Cedar Falls, Jesup, Raymond, & Dunkerton.

Name of Bank Keystone Savings Bank
Form of VerificationTeleCheck
Email from Bank

We use Telecheck to verify all new accounts and a credit report for the debit card.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Keystone, Marengo, Pleasant Hill and Center Point

Name of Bank Peoples Trust and Savings Bank
Form of VerificationCredit report
Special Notes

They do NOT use ChexSystems.

Email from Bank

Yes, when we open new accounts we do a credit review to determined if an account can be opened.

Types of Accounts OfferedPersonal checking, savings and business checking
Locations

Adel
515-993-5680
515-993-5681

Clive
515-457-8880
515-457-8889

Grand Junction
515-738-2312
515-738-2301

Guthrie Center
641-747-3100
641-747-3931

Jefferson
515-386-4848
515-386-2135

Rippey
515-436-7418
515-436-8242

Scranton
712-652-3311
712-652-3318

Waukee
515-987-4135 
515-987-5360

Name of Bank MBT Bank
Form of VerificationCredit report
Email from Bank

You would have to come in. We run a credit check with Equifax on all our new customers and look at the overall credit to determine is an account can be opened.

Types of Accounts OfferedPersonal checking, savings, and business accounts
Locations

Forest City, Crystal Lake, Clear Lake and Lake Mills.

Name of Bank State Bank
Form of VerificationCredit report
Email from Bank

We use a credit report to verify new accounts and look for a score of about 675.

Types of Accounts OfferedPersonal checking, savings, and business accounts
Locations

Everly, Peterson, Spencer

Name of Bank Iowa Falls State Bank
Form of VerificationCredit report and ID
Email from Bank

To open an account we need a photo ID (driver's license) with your current address on it (if you do not have a current address on the ID we need some other proof that you are living at that address...such as an energy bill), your social security number, and we do a credit report to verify information also.

Types of Accounts OfferedPersonal checking, savings, and business accounts
Locations

Iowa Falls - Main Bank
601 Washington Ave.

Iowa Falls - Convenience Banking Center
South of Main Bank at 211 Stevens St.

Williams Branch
113 Main St., Williams, Iowa

Name of Bank Iowa Community Credit Union
Form of VerificationID
Special Notes

Do not use ChexSystems.

Membership Information

Anyone living or working in Black Hawk, Bremer, Benton, Butler, Buchanan, Caroll, Delaware, Fayette, Grundy, Johnson, Linn, Iowa, and Tama counties in Iowa can join.

Email from Bank

We don’t use ChexSystems, TeleCheck, or early warning but we do pull credit reports if you would apply for an ATM card or debit card.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Waterloo, Cedar Falls, Cedar Rapids, and Carroll

Name of Bank DeWitt Bank & Trust Co.
Form of VerificationCredit report
Email from Bank

We use a credit report.

Types of Accounts OfferedPersonal checking and savings
Locations

Dewitt

Name of Bank Farmers Trust and Savings Bank
Form of VerificationCredit report
Email from Bank

For all new customers to the bank, regardless of the type of account that they are wishing to open, we do pull a copy of their credit report through the credit bureau, Trans Union. It’s not really a certain score that is required. We look at the total credit history to see how responsibly accounts have handled in the past.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Farmers Trust and Savings Bank is located at 125 West 4th Street in Spencer.

Name of Bank Greater Iowa Credit Union
Form of VerificationCredit report
Special Notes

They do NOT use ChexSystems. They do run a credit report and those that have poor credit may qualify for a second chance checking.

Second-Chance checking

  • No minimum deposit to open
  • No minimum balance
  • No monthly service charge Unlimited electronic debit transactions*
Membership Information

Persons who live, work, worship or attend school in Story, Polk, Marshall, Crawford, or Hardin Counties, and the contiguous counties, Hamilton, Grundy, Tama, Poweshiek, Jasper, Marion, Warren, Madison, Dallas, and Boone Counties, Ida, Sac, Carroll, Audubon, Shelby, Harrison, Monona, Woodbury, Adair, Calhoun, Greene, Guthrie, Webster, Butler, Franklin, and Wright Counties;

Active, reserve and retired members of the Uniformed Services of the United States living or stationed in the State of Iowa.

Email from Bank

Greater Iowa Credit Union pulls an Equifax credit report to determine what type of account a person is eligible for. We do offer an account for everyone regardless of credit.

Types of Accounts OfferedPersonal checking, savings and business accounts They also offer second chance checking for those with credit issues.
Locations

Lincoln Way - Main Office

Somerset Village Community Branch

Southgate Expresse Community Branch

East Des Moines Community Branch

West Des Moines Community Branch

Camp Dodge Community Branch

Marshalltown Community Branch

Denison Community Branch

Eldora Branch

Name of Bank North Star Community Credit Union
Form of VerificationCredit report
Membership Information

Any person who lives or works in the following counties is eligible to join North Star Community Credit Union: Buena Vista County, Cherokee County, Clay County, Crawford County, Ida County, Monona County, O'Brien County, Plymouth County, Sac County, Sioux County and Woodbury County.

Email from Bank

We use a credit report.

Types of Accounts OfferedSavings
Locations

1030 S 2nd St, PO Box 556
Cherokee, IA 51012

Ida Grove, Branch Office
216 Moorehead Ave
Ida Grove, IA 51445

Name of Bank Midland Credit Union
Form of VerificationCredit report and valid drivers license
Membership Information

People who live or work in Polk and contiguous counties, Story, Jasper, Marion, Warren, Madison, Dallas, Boone in Iowa.

Email from Bank

What we use when we do open new savings and checking account is a Credit Report.

Types of Accounts OfferedPersonal checking and savings
Locations

2891 106th Street
Urbandale, IA 50322

Name of Bank Community Bank
Form of VerificationCredit report
Email from Bank

It is our understanding federal banking regulations require that all financial institutions obtain, document and verify the identity of those opening ALL types of accounts (not just checking and savings). The information required is the individual(s) name, physical as well as mailing address, social security or tax identification number, and date of birth.

We do this by taking an application to open an account, copies of government issued (unexpired) photo IDs and social security cards. Please note the requirement has three parts: 1) obtain (written on the application form and signed by the applicant(s)); 2) document (we do this by taking photocopies of the documents presented); and 3) verify (there are various methods that can be used and the three that you wrote about seem to be most common in the financial services industry). Community Bank can use a credit report to verify information. Authorization to obtain the report is given on the written application form.

Types of Accounts OfferedPersonal checking , savings and business accounts
Locations
  • Dunlap
  • Logan
  • Modale
  • Persia
  • Pisgah
  • Soldier
  • Ute
Name of Bank Farmers Trust and Savings Bank
Form of VerificationCredit report
Email from Bank

The Federal Government, Our Customer Identification Program and policies require us to obtain, verify and record information that identifies each person who opens an account at our bank. We will ask you for your name, address, date of birth and other information that will allow us to identify you.

We will verify your identity with a copy of your photo id as well as obtain a credit bureau.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

611 Second Street, P.O. Box 435
Traer, Iowa 50675

401 B Avenue,
P.O. Box 112
Vinton, Iowa 52349

Name of Bank Iowa State Bank & Trust of Fairfield, Iowa
Form of VerificationCredit report
Email from Bank

On all new accounts we do a credit report.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Fairfiend

Name of Bank Ames Community Bank, Ballard Community Bank, City State Bank, and Community Bank of Boone
Form of VerificationCredit report
Special Notes

They do NOT use ChexSystems.

Email from Bank

We use a credit report. We have a minimum score requirement of 660. However, if the score is close we can sometimes make exceptions with manager approval based on the supporting information in the report.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Boone, Ames, Huxley, Ogden.

Name of Bank Guaranty Bank
Form of VerificationCredit report
Email from Bank

We use Equifax for both checking and savings. What we are primarily looking for is returned checks that have not been paid. If you have returned checks showing on your Equifax report but they have been paid we will be able to open an account, if not we need proof of payment before we will be able to open an account.

Types of Accounts OfferedPersonal checking, savings, and business accounts
Locations

302 3rd Ave SE
Cedar Rapids, IA 52401

1819 42nd Street NE
Cedar Rapids, IA 52402

191 Jacolyn Dr NW
Cedar Rapids, IA 52405

700 25th Street
Marion, IA 52302

3601 29th Avenue SW
Cedar Rapids, IA 52404

2645 Blairsferry Road NE
Cedar Rapids, IA 52402

1195 Boyson Road
Hiawatha, IA 52233

Name of Bank Clarke County State Bank
Form of VerificationCredit report
Email from Bank

To answer your question about opening checking and savings accounts. We do run a credit bureau to make sure that there are no collections or judgments on the individual opening an account.

Types of Accounts OfferedPersonal checking and savings
Locations

139 S. Main Street
Osceola, Iowa 50213

1320 Jeffreys Drive
Osceola, Iowa 50213

415 Maple
Murray, Iowa 50174

Name of Bank Home State Bank
Form of VerificationCredit report
Special Notes

They run nothing for a savings and only use a credit report for a checking .. NO ChexSystems.

Email from Bank

We use a credit report with a scoring system on checking accounts or a credit report on debit cards.

Nothing is run on a savings account. You need a 625 or higher to qualify for a checking account.
Types of Accounts OfferedPersonal checking, savings, and business checking
Locations

Jefferson

Name of Bank Cedar Falls Community Credit Union
Form of VerificationCredit report
Special Notes

They do not use ChexSystems.

Membership Information

You are eligible for membership in Cedar Falls Community Credit Union

if you live or work in any of these Iowa counties:

  • Black Hawk
  • Bremer
  • Butler
  • Grundy
  • Fayette
  • Buchanan
  • Chickasaw
Email from Bank

We do pull a credit report. We are making sure the report shows No bad checks and no other financial charge offs.

Types of Accounts OfferedPersonal checking, savings and business checking
Locations

Cedar Falls, Waverly

Name of Bank Frontier Savings Bank
Form of VerificationCredit report
Email from Bank

We do have credit approval using information from a credit report on all of the accounts we open.

Types of Accounts OfferedPersonal checking and savings
Locations

Main Bank
940 Valley View Drive
Council Bluffs, IA 51503

Expressway Office
509 23rd Avenue
Council Bluffs, IA 51501

Name of Bank Ackley State Bank
Form of VerificationCredit report
Email from Bank

We have the option to check a credit report if we need to.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Ackley, Iowa Falls, Geneva, Story City

Name of Bank Farmers & Merchants Savings Bank
Form of VerificationCredit report
Email from Bank

We use a credit report.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

in Waukon and Decorah

Name of Bank Advantage One Credit Union
Form of VerificationID and a check with your last bank or current one could be used
Special Notes

They do NOT use ChexSystems.

Membership Information

Our membership is open to all who live or work within 35 miles of our office in Carroll, Iowa.

Email from Bank

First we have to have you become a member with the credit union and fill out membership cards and put $5.00 in a savings account.

For a checking No we don't. We require an application and a signed authorization to query your last financial institution.

Types of Accounts OfferedPersonal checking and savings
Locations

113 W. Fifth Street
Carroll, IA 51401

Name of Bank Grundy National Bank
Form of VerificationBankcard and a credit report
Special Notes

They do not use ChexSystems. Person that got an account:

Alright I went in and inquired about there checking accounts. They have a carefree checking that has only a $50 initial deposit requirement and the checks are $12.50. Have no idea who they order there checks through but we'll find out.

As for the Bankcars that was originally posted, unless they do a post application background check on you. The only thing I saw they utilized was the OFAC government page.

The only catch to them is I'm guessing because of there lack of use of a background check system. Is that they require the account be open 30 days before you can get a check card with them.

The bonus though is when you have maintained they account for more than 30 days you can apply for a check card with photo on it and get an automatic $700 in overdraft protection. So far, so good.

Email from Bank

We use Bankcard to verify any poor check writing procedures. If that report comes back negative, we will do a credit report also.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Grundy, Holland, Conrad

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 Farmers and Merchants Savings Bank
Email from Bank

Thank you very much for your inquiry. Here at Farmers and Merchants Savings Bank when opening new accounts we do perform credit checks as well verify information on both a social security card and a drivers license. I hope this answers your questions. If you need further information please do not hesitate to ask. We look forward to possibly working with you in the future.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Iowa City, Lone Tree, and Nichols

Name of Bank First Trust and Savings Bank
Form of VerificationCredit report
Special Notes

I talked to this bank & found that they use credit report for checking accounts. Score is also used to determine type of account & ATM/Debit card issuance.

Locations

Coralville and Oxford

Name of Bank Exchange State Bank
Special Notes

It has been reported that they do not check anything for opening accounts.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

253 Broadway
Springville, IA 52336
Phone: 319-854-6104

2721 120th Street NE
Shueyville, IA 52338
Phone: 319-857-4989

Name of Bank Corridor State Bank
Form of VerificationCredit report
Special Notes

It has been reported that they use only a credit report to open a new account.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Coralville and Iowa City

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 First Class Credit Union
Form of VerificationBancards
Membership Information

Living or working in Polk, Story, Jasper, Marion, Warren, Madison, Boone, Dallas, Plymouth, Cherokee, Ida, Woodbury, Crawford, and Monona in Iowa.

Email from Bank

We use a program called BANCARDS.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

930 3rd Street
Sioux City, IA 51101

2051 Westown Parkway
West Des Moines, IA 50265

303 Euclid Avenue
Des Moines, IA 50313

Name of Bank Great Western Bank
Form of VerificationChexSystems
Special Notes

It has been reported that as long as your report is a year or older, they will open an account. Fraud should not be indicated on the report for the best results and preferably.

  1. only one reporting bank
  2. debt to reporting bank is paid
  3. best to open the account over the phone
Email from Bank

Thank you for your inquiry. If your Chex-systems record is more than a year old than it will be considered, but it is still not guaranteed that an account would be opened. The best thing to do would be to come in to a branch location, sit down and talk with a Personal Banker, and have them pull the Chex-systems report. You can discuss with them at that time, the items that may appear on that report and whether or not the account could be opened, or what your options are.

Types of Accounts OfferedPersonal checking, savings and business accounts
Name of Bank Marine Credit Union
Form of VerificationTransUnion credit report
Special Notes

I did call and they stated that they look at overall credit, a certain score is not required.

Membership Information

Who live or work in Allamakee, Clayton, Fayette, and Winneshiek Counties in Iowa.

Email from Bank

To open a savings, a credit check is not normally used, however for checking it is.

Types of Accounts OfferedPersonal checking and savings
Name of Bank First National Bank of Omaha
Form of VerificationChexSystems
Special Notes

For best results, the ChexSystems report should not indicate fraud.

Email from Bank

Thank you for contacting First National Bank. To look at opening an account, the reporting needs to be over two years old and all fees paid.

Types of Accounts OfferedPersonal checking, savings and business checking
Locations

Council Bluffs, Des Moines, Glenwood, Silver City

Name of Bank White State Bank
Form of VerificationProper ID with current address and SS card
Email from Bank

I called and verified that they do not use ChexSystems or a credit report.

Types of Accounts OfferedPersonal savings and checking accounts
Locations

209 Ives St
P.O. Box 68
South English, IA 52335

Name of Bank Hartwick State Bank
Form of VerificationID
Email from Bank

I called and verified that they do not use ChexSystems or any type of credit report.

Types of Accounts OfferedPersonal checking and savings
Locations

207 Main St Hartwick, IA.
Phone: 319-525-2221

Name of Bank Hills Bank and Trust Company
Form of VerificationCredit report
Email from Bank

When opening a checking or savings account we run a credit report on the customer who is applying.

We normally require a score of 580 or above to qualify for a checking account. Depending on your personal situation, we may make exceptions for scores borderline or below. We also may offer to open a savings account first, and after an introductory period open a checking as well.

Types of Accounts OfferedPersonal checking, savings and business checking
Locations

Cedar Rapids, Coralville, Hills, Iowa City, Kalona, Lisbon, Marion, Mount Vernon, North Liberty, Wellman.

Name of Bank Federation Bank
Form of VerificationCredit report
Email from Bank

Currently Federation Bank uses a credit report to determine a consumers eligibility to open an account.

Types of Accounts OfferedPersonal checking, savings and business checking
Locations

Washington, Brighton

Name of Bank West Chester Savings Bank
Form of VerificationNone
Special Notes

They do not use ChexSystems or any type of credit report.

Email from Bank

Basically you will need 2 forms of ID. The most important is a photo id with a current mailing address on it. Most of our accounts take $100 minimum to open.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

West Chester Savings Bank
1060 West Monroe
Washington, IA 52353

Name of Bank River Community Credit Union River Community Credit Union
Form of VerificationCredit report
Membership Information

Ottumwa Postal Employees Credit Union opened to the surrounding communities and changed its name to River Community Credit Union in the year 2000.

Email from Bank

We use a credit report for opening a checking account. A savings account is not subject to a credit report.

Types of Accounts OfferedPersonal savings, checking and business checking
Locations

644 West Second Street
Ottumwa, Iowa 52501


    More Non-ChexSystems Banks in the U.S.

    Select your state for a detailed list of local options

    Look no further! Free checking account at BBVA Compass is available in Iowa. Guaranteed approval even if you're on ChexSystems! Learn More & Apply Online