Non ChexSystems Banks & Credit Unions in North Dakota

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

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 North Dakota 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 the state of ND 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
Name of Bank Dakota Community Bank
Email from Bank

We do pull credit for all new accounts. A lot depends on what the credit report has on it, not all is based on the score. We look to make sure that you haven’t abused a financial institution in the past and how responsible you are about keeping up with the payments on the current bills you have. It really is a case by case situation. If you don’t quality for a checking account you may qualify for a savings account, and we may be able to revaluate your situation 6 months down the road. Like I said it really is case by case.

Types of Accounts OfferedPersonal checking, savings and business accounts

919 South 7th. Street Suite 101
Bismarck ND, 58504

1727 State Street
P.O. Box 4010
Bismarck ND, 58501

26 N. Main Street
P.O. BOX 33
Bowman ND, 58623

14 3rd Avenue West
Dickinson ND, 58601

353 19th Street West
P.O. Box 210
Dickinson ND, 58601

108 S. Main Street
P.O. Box 9
Glen Ullin ND, 58631

609 Main Street
P.O. Box 431
Hebron ND, 58638

66 Santee Road
Lincoln ND, 58504

4321 Memorial Highway
P.O. Box 609
Mandan ND, 58554

111 Main Street
P.O. Box 109
New Leipzig ND, 58562

123 Main Street
P.O. Box 67
Taylor ND, 58656

Name of Bank Town and Country Credit Union
Form of VerificationCredit report
Membership Information
  • Anyone living within a 50-mile radius of the Fargo-Moorhead area.
  • Anyone living within a 50-mile radius of Kenmare.
  • Anyone living within a 75-mile radius of Minot.
Email from Bank

We verify all new accounts with a credit report. If the score is less than 600 the employee opening the account for you may ask for approval from a supervisor. Depending on what is on the credit report a savings or checking account may be opened if approved


Minot, North Dakota
615 South Broadway

Minot, North Dakota
3630 South Broadway Suite B

Kenmare, North Dakota
P.O. Box 757

Fargo, North Dakota
815 25th Street South

West Fargo, North Dakota
925 14th Ave. East

MeritCare Medical Center
Fargo North Dakota

Fargo, North Dakota
1501 32nd Ave. South

Name of Bank Capital Credit Union
Form of VerificationCredit report and ID
Membership Information

Capital Credit Union is a community-based credit union inviting all who live within a 75-mile radius of the Main Office (204 W. Thayer Ave., Bismarck) to become members.

Email from Bank

When we open a new account we require a savings account with a balance of $25.00, and to start the checking we require a deposit of at least $25.00.

Anyone can qualify for the savings account, and to open the checking account we will pull a credit report. The credit score needs to be at least 600 to open the checking account.

Types of Accounts OfferedPersonal checking, savings and business accounts

Main Office
204 W. Thayer Avenue
Bismarck, ND 58501

North Office
3101 N. 11th St., Suite 3
Bismarck, ND 58503 (Dan's Supermarket)

Northwest Office
1550 Burnt Boat Dr.
Bismarck, ND 58503

South Office
835 S. Washington St., Suite 3
Bismarck, ND 58504 (Dan's Supermarket)

Mandan Office
600 E. Main
Mandan, ND 58554

Name of Bank Alerus Financial
Form of VerificationChexSystems
Email from Bank

I received your question about our account for people with a ChexSystems-record. Here are the details about the account that we have. It is called an e-card account, and 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 OfferedSecond chance checking
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 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.

Email From person that was approved there - Hello. Just wanted to let you know that you can add US Bank in North Dakota and Minnesota to your list of lenient banks. I went into the South University Drive branch in Fargo today and spoke with Megan, one of the customer service representatives. I have a previous ChexSystems listing resulting from a horrible experience with Wells Fargo (that's for another story). That listing must be over 2 1/2 years old, because I was declined when I applied on US Bank's website - it said the turn down was based on my consumer report (credit file) with TransUnion.

When I went into the branch, Megan keyed in my identifying information into the computer (drivers license, social security number, etc.) and I was approved for a Gold Package. Megan explained that at the branch level they don't check credit reports, they only check ChexSystems listings. Even then, from what I gathered, US Bank really is only concerned about any ChexSystems listings that involve fraud, check kiting, etc. Though I'm sure each individual's situation is considered on a case-by-case basis, my accounts were approved.

Types of Accounts OfferedPersonal checking, savings and business accounts

    More Non-ChexSystems Banks in the U.S.

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