Idaho Banks that don’t use ChexSystems: Get a Second Chance at Banking


There are several banks in Idaho that don’t use ChexSystems.

Consumers with unpaid fees or negative balances are typically referred to ChexSystems, a consumer-reporting agency similar to a credit reporting agencies. ChexSystems notifies financial institutions when an account-holder has a history of account mismanagement.

Once a person has a record in ChexSystems it can be a challenge open a checking account. If you are in ChexSystems, open a new account at a bank in Idaho that does not use ChexSystems or get a second chance checking account at a credit union.

Idaho banks that don’t use ChexSystems

BBVA Online Checking

BBVA offers an online checking account that utilizes EWS to verify new customers. It’s a no monthly Service Charge account that makes it easy to manage your money on the go with mobile banking. Customers enjoy free checking, unlimited check writing, cashback in categories like gas and groceries throughout the year. Free ATMs at BBVA and at 64,000 AllPoint ATMs in the network. Bill payment and mobile check deposit also included, you can even deposit cash at some AllPoint ATM locations.

What else can you expect from this checking account?

  • Apply with only $25 opening deposit
  • No monthly Service Charge
  • Earn cash back on everyday debit and credit card purchases
  • Complimentary Online Banking and Mobile Banking, Bill Pay and Online Statements
  • No ATM withdrawal fees at any BBVA or Allpoint® ATM. Deposit cash at some AllPoint ATMs.
  • BBVA USA, Member FDIC

[us_btn text=”Open Now” link=”||target:%20_blank|” size=”18px”]

Langley Federal Credit Union

Langley Federal Credit Union is headquartered in Newport News, VA. Membership is open to people in ALL States. You must open a share savings account with a minimum of $5 in order to open a checking account. Earn a $30 checking account bonus if you complete 10 debit card transactions within 60 days of opening your account.

Smart Checking Account Details

  • $0 minimum opening checking account but you must open a share savings account with a $5 minimum deposit
  • No minimum balance and No monthly service charge.
  • Free mobile banking.
  • Access 55,000+ Allpoint ATMs Nationwide.
  • Free online bill pay.
  • Get paid up to 3 days early with direct deposit.

[us_btn text=”Open Now” link=”||target:%20_blank|” size=”16px”]


Chime is primarily a spending account to conduct your daily expenses that anyone can open. Get paid up to 2 days early with early direct deposit. Other features include no overdraft fees and no monthly service fees. If you need a check written, Chime will create and mail a paper check for you at no charge. No opening deposit required. If you open a savings account too, you can save money when you make a purchase or pay a bill with your Chime Visa® Debit Card. Chime will round up transactions to the nearest dollar and transfer it to your savings account.

ICON Credit Union

Icon Credit Union offers a large variety of checking account programs for parents, families, teens and even retirees. There is a free checking with no monthly minimums and no monthly service fee and a $1 non-MoneyPass ATM usage charge.

Capital Educators Federal Credit Union

They do not use Chexsystems, Telecheck, or EWS. They generally do not run a  credit report but they may at times

Latah Federal Credit Union

Latach FCU offers a checking account that requires a $25 opening deposit. They require identification and run an OFAC report to verify identity.

Mountain West Bank

You must apply in person and not online. If you apply online they will run chexsystems. Proper identification is used to verify accounts.

Pioneer Federal Credit Union

They run a credit report. Normally it is 500 or greater score  for both a savings and checking.  If it is less than 500 with no collections or only medical or utility collections they may open a savings depending on what is being reported.

Pine Tree Credit Union

For a savings nothing is required but for a checking with a debit card they will run a credit report

Capital Educators Federal Credit Union

CapEd offers a variety of accounts and services for their members. A credit report is used to verify new accounts.

Horizon Credit Union

They run a credit report

Idaho Central Credit Union

Idaho Central Credit Union offers a variety of accounts and services. A credit report is used to verify new members.

Cottonwood Community Federal Credit Union

Cottonwood Community Federal Credit Union offers a variety of accounts and services. Equifax credit report is used to verify new members.


Leave a Reply

Your email address will not be published. Required fields are marked *