Get back into banking. A negative ChexSystems record can remain 5 years unless you successfully dispute ChexSystems to get it deleted.
For consumers with an EWS record, it can last for 7 years unless you're able to successfully dispute EWS.
Check out our list of second chance checking accounts in North Dakota. Many second chance bank accounts run a ChexSystems report.
If your ChexSystems record has unpaid debt, consider options at banks that don't use ChexSystems or bank accounts for bad credit.
North Dakota Second Chance Banks and Credit Unions
Upgrade Rewards Checking
The Upgrade Rewards Checking Account offers up to 2% cash back on common everyday expenses at grocery and drug stores, gas stations, monthly subscriptions, restaurants, and cell phone utilities. Plus, account holders get unlimited 1% cash back on all other debit card charges. This account takes less than 10 minutes to open, the process is simple and easy.
Upgrade Rewards Checking Features
- No ATM fee.
- Zero Monthly Fees.
- Zero Overdraft/Insufficient Fees.
- 2% cash back on common everyday expenses and recurring payments and unlimited 1% cash back on every other debit card charge.
- use your Rewards Checking card wherever Visa® is accepted.
- FDIC-insured up to $250,000.
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Rewards Checking customers earn 2% cash back on common everyday expenses at convenience stores, drugstores, restaurants, and bars – including deliveries – and gas stations, as well as recurring payments on utilities and monthly subscriptions including phone, cable, TV and other streaming services, and 1% cash back on all other debit card charges. 2% cash back is limited to $500 in rewards per calendar year; after $500, customers earn 1% cash back on all eligible debit card charges for the remainder of the year. Some limitations apply. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information.
Upgrade is a financial technology company, not a bank. Rewards Checking services provided by Cross River Bank, Member FDIC. Upgrade VISA® Debit Cards issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Personal Loans made by Upgrade's bank partners. Personal Credit Lines are issued by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. The Upgrade Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.
Current Checking Account
The Current Checking Account can be opened with a minimum of $10 with a debit card or an existing checking account.
Current Account Features
- $10 minimum opening deposit.
- Savings feature that pays 4.00% APY on balances up to $6,000.
- No overdraft fees when you overdraw by up to $200 with Overdrive™.
- Get your paycheck up to 2 days early with direct deposit.
- Earn points for unlimited cashback at participating retailers.
- Gas station holds immediately credited to your account.
- Send money instantly for free.
- 24/7 member support.
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American Federal Bank
They use a credit report and require a score of 680 or higher.
Capital Credit Union
They use a credit report and a score of 600 or higher is required. They also offer second chance checking.
Dakota Plains Federal Credit Union
They use Telecheck to open new accounts.
Dakota Community Bank
They use a credit report. You may be eligible for a savings account if you don't qualify for a checking account. After 6 months of good standing a checking might be possible
First Community Credit Union
They use an Experian credit report to open new accounts.
Freedom Community Credit Report
They use a credit report to open new accounts.
Gate City Bank
They do not use ChexSystems or a credit report. Choice Point is used to verify new customer identity.
Hometown Credit Union
A credit report may be used in addition to proper identification.
Flasher Community Credit Union
They use a credit report to open new accounts.
Town and Country Credit Union
They use a credit report and a score of 600 or higher is required.
United Savings Credit Union
They use a credit report to open new accounts.
Western State Bank
They use a credit report to open new accounts.