Non ChexSystems Banks & Credit Unions in Kansas

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

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 Kansas 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 Hutchinson Credit Union
Form of VerificationCredit report and ID
Special Notes

Do not use ChexSystems.

Membership Information

Membership in Hutchinson Credit Union is open to persons who live or work in the following counties: Barton, Butler, Dickinson, Ellsworth, Franklin, Geary, Harvey, Kingman, Lincoln, Lyon, Marion, McPherson, Miami, Mitchell, Osage, Ottawa, Pottawatomie, Pratt, Reno, Rice, Riley, Saline, Sedgwick, Stafford, Wabaunsee.

Email from Bank

We run a credit report when opening a new checking or savings account. We do not require a certain score, we look at the overall credit.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Hutchinson Credit Union
900 E. 23rd Street, P.O. Box 1645
Hutchinson, KS 67504-1645

Hutchinson Credit Union
103 S. Kansas Avenue, P.O. Box 454
Haven, KS 67543

Hutchinson Credit Union
245 N. Waco, Suite T-600
Wichita, KS 67202

Hutchinson Credit Union
129 W. Avenue A
Hutchinson, KS 67501

Hutchinson Credit Union
2201 South Kansas Avenue
Newton, KS 67114

Name of Bank Ark Valley Credit Union
Form of VerificationCredit report
Special Notes

They do not use ChexSystems.

Membership Information

A COMMUNITY CREDIT UNION SERVING BUTLER, COWLEY, CHAUTAUQUA, ELK, & SUMNER COUNTIES.

Email from Bank

We use TransUnion credit reports for opening new checking accounts. No credit report required for opening new savings accounts.

Types of Accounts OfferedPersonal checking and savings
Locations

Arkansas City, Winfield

Name of Bank Citizens State Bank
Form of VerificationDL and SS card
Special Notes

They do not use ChexSystems.

Email from Bank

I called and they only use an ID and SS card.

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

3 locations in ELLSWORTH

Name of Bank BankWest Of Kansas
Form of Verification2 forms of ID
Email from Bank

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

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

295 N. Franklin
PO Box 327
Colby, KS 67701

924 Main
PO Box 499
Goodland, KS 67735

SUNWEST BANKS OF COLORADO
9073 Co. Rd. CC.8
PO Box 66
Idalia, CO 80735

121 W. Washington
PO Box 726
St. Francis, KS 67756

Name of Bank State Bank Of Delphos
Form of VerificationID
Email from Bank

We verify your identity with obtaining a copy of your Dr Lic and have you fill out a Customer Information Form.

We do not use ChexSystems, TeleCheck or any credit report.

Types of Accounts OfferedPersonal checking and savings
Locations

Delphos, Minneapolis, Glasco

Name of Bank Central Kansas Credit Union
Form of VerificationCredit report
Special Notes

They do NOT use ChexSystems.

Membership Information

Membership is open to anyone living or working in the Central Kansas area.

Email from Bank

All our new accounts are by credit committee approval only and all applicants are checked through OFAC and we run a TransUnion credit report in that process.

Types of Accounts OfferedPersonal checking and savings
Locations

Hutchinson (Main Office), South Hutchinson, Pratt, Hesston

Name of Bank Community Bank and Trust
Form of VerificationSS card and DL
Email from Bank

We currently do not use any system to verify checking and savings accounts. All new checking and savings accounts are welcome provided the minimum deposit to open is satisfied for each type of account. We currently are offering 7 new checking accounts. To open an account with Community Bank and Trust you just need current id, your social security number, date of birth and a physical address. $50 can open a checking account and $100 to open a savings.

Types of Accounts OfferedPersonal checking, savings and business checking
Locations

Neosho, Joplin, Granby, Anderson, Seneca, Carl Junction, Diamond, Galena, Riverton

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 KC Fairfax Federal Credit Union
Form of VerificationTeleCheck
Membership Information

If you live or work in Wyandotte County you are eligible to Join KC Fairfax FCU.

Email from Bank

We use TeleCheck.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

104 Sunshine Road
Kansas City, KS 66115

Name of Bank Wichita Federal Credit Union
Form of VerificationChexSystems
Special Notes

Check Right Checking

  • ChexSystem Hit Allowed (no fraud)
  • Subject to supervisor approval
  • Less than 500 credit score <or>
  • No credit score due to poor credit
  • $25 minimum opening deposit
  • Dividends paid on tiered system
  • No minimum balance requirements
  • 6 Free PIN-based transactions/month
  • Complimentary first 50 checks
  • VISA Debit Card application reviewed after 30/60 days
  • ATM Card
  • Overdraft Protection Available
  • Overdraft Privilege (subject to requirements)
  • On-Line Bill Pay
  • $20 monthly maintenance fee Fee waived with Direct Deposit
Membership Information

Field of membership now includes all persons who live, work, worship, or attend school in, and businesses and other legal entities located within Sedgwick County, Kansas.

Email from Bank

if you have a hit from ChexSystems, and it is paid, we will review it. It may or may not prevent you from opening a checking account, but I can’t say without seeing the report. You may open a savings account even if you have a hit on ChexSystems. We do not run these reports for a savings.

Types of Accounts OfferedSecond chance checking for those that qualify, anyone can open a savings account
Locations

3730 W 13th Street
Wichita, Kansas 67203

455 N Main, Room 410
Wichita, Kansas 67202

Name of Bank First Federal Savings and Loan
Form of VerificationNone
Email from Bank

At this time we do not use ChexSystems, TeleCheck, Early Warning or a credit report when opening a new checking or savings account. If you have any further questions, please contact any of our branches: Pittsburg, Neodesha, Coffeyville or Independence, Kansas.

Types of Accounts OfferedPersonal checking and savings accounts
Name of Bank Offerle National Bank
Form of VerificationEport
Email from Bank

We use Eport here at Offerle National Bank.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Girard National Bank (main bank)
100 E. Forest, P.O. Box 67
Girard, Kansas 66743
(620) 724-8223
(620) 724-8466 fax

Yates Center Branch Bank (branch GNB)
101 S. State, P.O. Box 328
Yates Center, Kansas 66783
(620) 625-2125
(620) 625-2445 fax

Bucklin National Bank (branch GNB)
110 N. Main
Bucklin, Kansas 67834
(620) 826-3221
(620) 826-3802 fax

Offerle National Bank (branch GNB)
104 Santa Fe St., P.O. Box 26
Offerle, Kansas 67563
(620) 659-2121
(620) 659-2725 fax

Clay County National Bank (branch GNB)
624 W. Crawford St.
Clay Center, Kansas 67432
(785) 632-6720
(785) 632-2899 fax

Holton National Bank (branch GNB)
100 E. 5th St., P.O. Box 229
Holton, KS 66436
(785) 364-2166
(785) 364-4104 (fax)

Horton National Bank (branch GNB)
110 E 8th St., P.O. Box 189
Horton, KS 66439
(785) 486-2124
(785) 486-2553 (fax)

Hiawatha National Bank (branch GNB)
805 S. 1st, P.O. Box 437
Hiawatha, KS 66434
(785) 742-7120
(785) 742-3558 (fax)

Valley National Bank (branch GNB)
204 South 4th Street
Lamar, CO 81052
Phone (719) 336-4381
Fax (719) 336-7927

Kiowa County National Bank (branch GNB)
1220 Main Street, P.O. Box 847
Eads, CO 81036
Phone (719) 438-5331
Fax (719) 438-2234

Wetmore National Bank (branch GNB)
314 2nd St., P.O. Box AA
Wetmore, KS 66550
(785) 866-2920
(785) 866-4621 (fax)

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 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
Membership Information

Email From person that got an account:

Great Western branch which I live right next to said their threshold is 1 year; that is, any reported information older than 1 year will not be a bar against opening an account. And they run it over the phone instead of online because, according to them, phone inquiries are more accurate and current. Because I'm clear and they ran it over the phone, I was good to go! Running via computer usually gets me declined, even though I'm clear.

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 mat 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 Signature Bank
Form of VerificationOFAC and ID
Special Notes

They do not use ChexSystems or a credit report.

Email from Bank

I called and they only use OFAC

Types of Accounts OfferedPersonal checking and savings accounts
Locations

501 Main Street
Haddam, KS 66944

Name of Bank First Federal Savings of Olathe
Form of VerificationID
Special Notes

They do offer a savings account but NO ATM or DEBIT card. This is a savings and loan bank .. not a traditional bank. They do NOT offer checking accounts at all.

Types of Accounts OfferedSAVINGS ONLY
Name of Bank Bank of Kansas City
Form of VerificationChexSystems
Special Notes

Second Chance Checking provides unlimited check writing, plus a number of free services

  • Free Visa Check Card
  • Free ATMs Nationwide
  • Free Online Banking with unlimited Free Online BillPay
  • Overdraft Protection Available
  • Monthly imaged statement
  • It's Easy to Get Started:
  • Visit a banking center or call our 24-Hour ExpressBank
  • $50 minimum opening deposit
  • $8.95 monthly maintenance fee and the ability to switch to a different Bank of Kansas City checking product, such as Free Checking 2.0 after only five months.

Minimum requirements are still necessary to open a Second Chance Checking account. Ask a Consumer Banker for details.

Additional details regarding 2nd Chance Checking:

Your Bank of Kansas City Check Card will have a daily purchase limit of $150

Ask a consumer banker for details about our Free ATMs Nationwide Program You may have the ability to switch to a different Bank of Kansas City checking product after only five months, provided your account has been managed appropriately, at the discretion of the bank.

Types of Accounts OfferedSecond chance checking
Locations

Overland Park, Kansas City

Name of Bank United Consumer Credit Union
Form of VerificationChexSystems
Special Notes

Second Chance Checking* Our Second Chance Checking Account can help you establish a successful banking relationship regardless of past credit problems. Instead of paying payday lenders or check-cashing companies 400% interest (the industry average), you pay just $10 per month for unlimited check writing. After 12 months of successfully managing your Second Chance Checking Account, you can request that your status be reviewed and switched over to a regular checking account. That can save you even more money, and open the door to a variety of other credit union services and benefits.

*Individuals with a record of fraud on the Chex System report and those who have caused a loss at UCCU are not eligible. Direct Deposit of your paycheck is required if offered by your employer. Maximum holds as allowed by law will be placed on all checks (other than verifiable payroll checks or other guaranteed fund checks). Debit/ATM Card and Courtesy Pay do not apply. Other terms and conditions will be disclosed at the time you open the account.

Membership Information

You can be a member of United Consumers Credit Union! Anyone living or working in Jackson County, Buchanan County or the city of Cameron is eligible to join. Those who live, work or worship in Johnson County, Kansas are also welcome.

Types of Accounts OfferedSecond chance checking
Name of Bank Community America Credit Union
Form of VerificationChexSystems
Special Notes

They do offer a second chance account.

Email from person that got an account:

Yes I was able to open an account here in Kansas City with Community America CU. It's a second chance checking account. They require you to keep $100 in a savings account for one year and as long as you manage the account properly, you get the $100 back after the year.

Membership Information

Community America serves residents of Missouri who live or work in Jackson, Clay, Platte and St. Charles* counties. Membership is also available to people residing or working in these St. Louis, Missouri zip codes: 63031, 63042, 63044, 63045, 63055, 63074, 63114, 63121, 63134, 63140, 63141, 63145 and 63146.

The field of membership in the state of Kansas includes residents of Douglas, Johnson, Jefferson, Leavenworth, Miami, Shawnee and Wyandotte counties and their family members. Also included in the state of Kansas are associations and businesses located in Johnson and Douglas counties, their subsidiaries, related or affiliated associations, companies or organizations, their membership, employees, retiree’s annuitants, contract employees and family members.

Types of Accounts OfferedSecond chance checking
Name of Bank Meritrust Credit Union
Form of VerificationCredit report and ChexSystems
Membership Information

If you live work or worship in one of the following counties.

Email from Bank

Email From person who got an account: They did pull my credit score from Experian and ran ChexSystems. I was originally told by the bank officer that I couldn't open an account, I then asked about the smart checking account as I had inquired from a manager in Wichita what accounts I could qualify for with a week credit score and a bad ChexSystems report.

I am reported to ChexSystems for 4 accounts.

Types of Accounts OfferedSmart checking account

    More Non-ChexSystems Banks in the U.S.

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