Non ChexSystems Banks & Credit Unions in Minnesota

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

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 Minnesota 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 Gate City Bank
Form of VerificationChoice Point
Special Notes

They are not using ChexSystems at all and will approve anyone. It has been reported that as long as you do now them any money that they will approve you. Anyone living in MN can get an account here.

Email from person that got an account:

Wanted to let you know that Gate City Bank in North Dakota and Minnesota have opened the doors wide open. They used to be a strict ChexSystems institution, but recently they dropped their affiliation with ChexSystems and are accepting anyone. Of course it is preferred that you be a Minnesota or North Dakota resident (although I know of no policy where they would not open an account to someone from another state). All they did was run our drivers license and Social Security numbers through their system and we were approved just like that!! I'm sure the typical advice would apply. You must not owe Gate City any money.

Email from Bank

In response to your message, we use a program called ChoicePoint to verify new account customers.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Fergus Falls
428 West Lincoln Avenue
Fergus Falls, MN 56537

2929 20th Street South
Moorhead, MN 56560

1630 Broadway Street
Alexandria, MN 56308

Name of Bank TCF Bank
Form of VerificationChexSystems
Special Notes

I actually called the 1800 number and they told me that as long as you don't owe TCF any money, anybody can open an account. DO NOT APPLY FOR THIS ACCOUNT IF YOU HAVE BEEN REPORTED TO EWS, THE ACCOUNT MAY BE OPENED BUT WILL LATER BE CLOSED.

Other valuable information

None with any of the following:

  • Direct Deposits totaling $100+
  • $500 minimum balance
  • $2,500 Combined Deposit Balances
  • Otherwise $9.95 monthly fee


Types of Accounts OfferedPersonal checking, savings and business checking
Locations

See web site and please note: One person recently reported that they were able to get an account in Minneapolis IDS building downtown.

Name of Bank Best Bank/Guaranty Bank
Form of VerificationChexSystems
Special Notes

*** You must apply in person for this account, do NOT apply online ***

  • $25.00 to open the account
  • No debit card or checks
  • It does come with an ATM card
  • Money orders are FREE
  • $8.00 monthly fee or $5.00 with direct deposit

After 6 months you may be able to convert to a regular free checking as long as the account remained in good standing and no overdrafts

If you do not owe the reporting banks, you may be able to open a regular checking.

Types of Accounts OfferedSecond chance checking
Name of Bank First Minnentonka City Bank
Form of VerificationChexSystems
Special Notes

ChexSystems must be paid and not indicate fraud. It also must be at least 2 years old.

Email from Bank

We can open an account with a paid closure two years from when it was reported according to our bank policy. We would take into account if you had additional closures, until we see the ChexSystems I cannot guarantee we would open the account.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Country Village
11500 Highway 7
Minnetonka, MN 55305

Glen Lake
14550 Excelsior Blvd.
Minnetonka, MN 55345

Name of Bank Alliance Bank
Form of VerificationChexSystems
Special Notes

They use ChexSystems but apparently will allow you to open an account if your report is paid and at least a year old. Should not show fraud on the report.

Email from Bank

It is our policy not to open any checking account for at least one year after being reported to ChexSystems.

Types of Accounts OfferedPersonal checking and savings
Locations

Courtland, Eau Claire, Edina, Hanska, Huntley, Lake City, Madelia, New Ulm, Red Wing, St. Paul.

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

You are eligible for membership if you live or work in our Field of Membership: in the Minnesota counties of Chisago, Dakota, Goodhue or Washington.

Email from Bank

We pull a credit report when opening new account for new members.

Types of Accounts OfferedPersonal checking, savings and business accounts
Name of Bank Altra Federal Credit Union
Form of VerificationChexSystems and a credit report
Special Notes

USES CHEXSYSTEMS BUT IF PAID, 6 MONTHS OLD  CAN GET AN ACCOUNT. FOR BEST RESULTS FRAUD SHOULD NOT BE INDICATED.

Email from Bank

As long as the listing on ChexSystems is 6 months or older and showing paid you would be able to open an account. We have a 6 month trial basis with no NSF activity and we wait that 6 months before ordering a check/debit card for the member.

Types of Accounts OfferedPersonal checking and savings
Name of Bank COMO Northtown Community Credit Union
Form of VerificationChexSystems
Special Notes

Any member can get a savings.

Membership Information

Who is eligible to join Como Northtown?

You are eligible if you:

  • Live or work within these boundaries:
    • Roselawn Ave. (North)
    • Interstate 94 (South)
    • Highway 280 (West)
    • Rice St. (East)
  • Are a blood or adoptive relative of a current member.
  • Belong to or join the Como Zoo and Conservatory Society.
Email from Bank

HI IF IT IS PAID YES YOU CAN HAVE A SAVING.IF YOU WOULD LIKE A CHECKING ACCT IS HAS TO BE A YEAR OLD, PAID AND NOT SHOW FRAUD and also be paid.

Types of Accounts OfferedPersonal checking and savings
Locations

976 North Lexington Parkway
St. Paul, MN 55103

Name of Bank Alerus Financial
Form of VerificationChexSystems
Special Notes

If you only have one indicator on your record then we would more than likely be able to open you an Ecard account.

Email from Bank

Thank you for contacting us. We will not know if it hits our records until an actual application is ran. I would advise you to come into a location and speck with a banker. We do offer an E Card account or opportunity account for those that are not able to have a traditional account. However, you will need to speak with a banker to see what your options are.

Here are the details.

Description: An account without checks to help those who have had difficulty with a checking account in the past.
Minimum balance: $20.00 reserve balance, $15 opening fee, $5 opening deposit. A total of $40.00 is required to open this account.
Maintenance Fees: $10.95 per month without direct deposit; $8.95 with direct deposit.

  • Free Smart Check card
  • Free on-line banking and bill pay
  • Free smart check card wallet and register

After six months of good standing this account can be changed to a free checking account, there is a $35.00 account conversion fee if you choose to convert your account, the $20.00 reserve can be applied to the $35.00 Conversion fee. After the account conversion there are no minimum balances and no maintenance fees.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Grand Forks, Northwood, Fargo, West Fargo, Minneapolis, St. Paul.

Name of Bank West Financial Credit Union
Form of VerificationChexSystems
Special Notes

Report should not indicate fraud for the best result.

Membership Information

Membership is open to all people who live, work, worship, volunteer, and attend school in the communities of Corcoran, Greenfield, Independence, Loretto, Medina, Plymouth, and Wayzata.

Email from Bank

If the ChexSystems comes up showing unpaid, you would need to prove the payoff and it has to be over 12 months since the closed account to qualify for a new account.

Types of Accounts OfferedPersonal checking and savings
Locations

Medina, Plymouth, Auburn, Verona

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 Peoples Community Credit Union
Form of VerificationCredit report
Membership Information

Membership to PEOPLES Community Credit Union is open to anyone who lives, works, worships, volunteers, or attends school in Hopkins, St. Louis Park and Minnetonka.

Email from Bank

To open a checking account your score has to be 650 or higher. To qualify for a savings you must live work or worship in Minnetonka, St Louis Park, or Hopkins.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

1541 HIGHWAY 7
HOPKINS, MN 55305

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 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 Fillmore, Houston, Olmsted, and Winona Counties in Minnesota.

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 American Federal Bank
Form of VerificationCredit report
Special Notes

I also called the Fargo branch downtown to verify this and they said yes they run a credit check and a score of 680 or more and if not an approval is needed from the manager.

Email from Bank

We run a credit report when opening up a deposit account for a new customer.

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

Our field of membership includes individuals who work in or reside in Cass and Ransom Counties of North Dakota and Clay and parts of Ottertail counties in Minnesota.

Email from Bank

There is not a minimum score. We look at the over-all history. For example: if you are interested in opening a checking account — are there chargeoffs/collections for NSF checks that haven’t been paid? If there are unpaid accounts-we may not open a checking but would consider a savings account to get started.  Are there positive “lines of credit”? How about recent Bankruptcy, etc. Usually we will start a savings and then determine the eligibility for checking/debit card from the credit report.

I know that is a somewhat vague answer but we try see that everyone’s situation is a little different and that not everyone is a cookie cutter.

Types of Accounts OfferedPersonal checking and savings

    More Non-ChexSystems Banks in the U.S.

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