Non ChexSystems Banks & Credit Unions in South Dakota

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

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 South 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 Belle Fourche Federal Credit Union
Form of VerificationCredit report
Membership Information

Belle Fourche Federal Credit Union is a federal credit union providing services to those persons who reside or work in Butte County and a portion of Lawrence County. If you or someone you know would like to become a member-owner of our financial cooperative, come see us at our office or give us a call.

Email from Bank

We use a credit report

Locations

1842 5th Avenue

Belle Fourche, SD 57717

605-892-4631

Fax: 605-892-3181

Name of Bank Northern Hills Federal Credit Union
Form of VerificationCredit report
Membership Information

Persons who live in, worship in, work in, or attend school in the counties of Meade, Butte or Lawrence, South Dakota.

Email from Bank

For a savings we do run a credit report but we do not use your score to open a savings there is  a $25.00 membership fee that is held in your savings and becomes available if you should close the account.

For a checking we do use your score from trans union to base our decision on as to if we will open it or not, but you can always have a share savings with us.

It is based on tiers 599 and below we would not open without an approval by upper management, if it were 639-600 we would open but keep it in a watch position, 679-640 we would open, and anything above that 679 we would have no problem with.

Types of Accounts OfferedPersonal checking and savings
Locations

Belle Fourche, Ft. Meade, Spearfish, Sturgis

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 Black Hills Federal Credit Union
Form of VerificationCredit report
Membership Information

Persons who live, work, worship, volunteer, or attend school, and businesses or other legal entities in Pennington, Custer, Fall River, Lawrence, or Meade Counties in South Dakota.

Email from Bank

Black Hills Federal Credit Union does not use ChexSystems when opening a savings or checking account. We will pull a credit bureau to verify eligibility for opening a checking account, however. We take the credit score into consideration as well as a few other factors. Generally, a score of 600 or greater will be sufficient to open a checking account.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Black Hills Federal Credit Union
PO Box 1420
Rapid City, SD 57709

Name of Bank Sioux Falls Federal Credit Union
Form of VerificationEquifax credit report
Membership Information

Sioux Falls Federal Credit Union membership is open to anyone who lives, works, worships or attends school in the following South Dakota counties: Minnehaha, Lincoln, McCook and Turner.

Email from Bank

We have two types of checking accounts, your regular checking does have a minimum credit score of a 600. If your score is below that , we can take a look a opening a YES checking. This account is an electronic only account, all transactions are done through a debit card and there is a $5.00 monthly fee.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

Sioux Falls

Name of Bank Dakota Plains Federal Credit Union
Form of VerificationTeleCheck
Membership Information

"The field of membership of this credit union shall be available to those having the following common bond:

1. Persons who live, work, worship, or attend school in and businesses and other legal entities located in Hughes County, Buffalo County, Hyde County, Lyman County, Stanley County, or Sully County, South Dakota;

2. Persons who live, work, worship, or attend school in and businesses and other legal entities located in the underserved areas of Butte County, Corson County, Dewey County, Haakon County, Harding County, Jones County, Meade County, Perkins County, and Ziebach County in South Dakota and Adams County, Bowman county, Grant County, Hettinger County, and Sioux County in North Dakota;

Email from Bank

In regards to your question we run an OFAC and TeleCheck to verify new accounts.

Types of Accounts OfferedPersonal checking and savings
Locations

519 Main PO Box 389 Lemmon, SD 57638

221 S. Main PO Box 1020 Hettinger, SD 58639

107 Main PO Box 549 Faith, SD

120 W. Main PO Box 220 Bison, SD 57620

120 W. Sioux Ave. PO Box 7145 Pierre, SD 57501

Name of Bank Dakota State Bank
Form of VerificationChexcel
Special Notes

They do not use ChexSystems.

Email from Bank

In order to establish an account with us, you must live in our area and be able to come into the bank to complete the paperwork necessary to establish the account. We check applicants through Chexcel.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

Blunt and Pirerre

Name of Bank Sentinel Federal Credit Union
Form of VerificationCredit report
Membership Information

You are eligible for membership at Sentinel Federal if you live, work, worship, or go to school in, or are a business or other legal entity located in the counties of:

  • Pennington
  • Lawrence
  • Meade
  • Custer
  • Lyman
  • Todd
  • Tripp
  • Gregory Mellette
Email from Bank

We use a credit report

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Main Office on Ellsworth AFB

PO Box 700

Box Elder, SD 57719

Haines Branch

1430 N. Haines Ave., Suite #101

Rapid City, SD 57701

Triple Crown Branch 

4011 Triple Crown Drive

Rapid City, SD 57701

Winner Branch

PO Box 87

757 W. 2nd St.

Winner, SD 57580

Name of Bank First Dakota National Bank
Form of VerificationCredit report
Special Notes

They do not use ChexSystems at all. Generally they pull Equifax.

Email from Bank

In response to you e-mail we pull a credit bureau to verify your information as well as your credit worthiness. You can apply on line at firstdakota.com as well. No, there is not a set beacon score that would automatically reject the application. It is based on a number of factors, included beacon score, collection items, past dues on loans/credit cards.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Chamberlain, Oacoma, Mitchell, Kimball, Salem, Sioux Falls, Platte, Corsica, Parkston, Yankton, Wagner, Vermillion

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 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.

Membership Information

Many people have been able to get accounts with TCF. They use ChexSystems but are extremely lenient, definitely worth a chance.

None with any of the following:

  • Direct Deposits totaling $100+
  • $500 minimum balance
  • $2,500 Combined Deposit Balances1
  • Otherwise $9.95 monthly fee
Types of Accounts OfferedPersonal checking, savings and business 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
Email from Bank

Thank you for your inquiry. If your ChexSystems 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 ChexSystems 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 F&M State Bank
Form of VerificationID and SS card
Special Notes

I CALLED AND THEY DO NOT USE CHEXSYSTEMS TO OPEN A CHECKING. All that is needed is an ID and SS card. If you request a debit card they will run a credit report.

Types of Accounts OfferedPersonal checking and savings
Locations

89821 Hwy 81
Yankton, SD 57078


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