Kansas Banks and Credit Unions that Don’t Use ChexSystems


Financial education can be a game-changer for Kansas residents who are unbanked. Sometimes, knowing more about the banking system and how to manage a checking account can help the unbanked. Kansas banks that don’t use ChexSystems can get you back into traditional banking.

Even if you have to pay a monthly fee for a Kansas second chance checking account it may be worth it to have access to banking products like mortgage and car loans, credit cards and investments.

Spending money on prepaid cards, check cashing stores or money orders can add up over time. Plus, many unbanked use payday and title loans and even pawn shops to access emergency cash. In fact, the unbanked can spend nearly $500 per year just to access their own money. That’s 15 times what someone who has full access to banking services pays in fees.

Access to a traditional bank gives you access to a variety of financial products that come with lowers fees and interest rates. Get back into banking with a bank that does not use ChexSystems or a second chance checking account in Kansas.

Kansas second chance checking accounts

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=”url:https%3A%2F%2Frebuildcreditscores.com%2FLangleyFCU||target:%20_blank|” size=”16px”]

BBVA Online Checking

BBVA offers an online checking account that utilizes EWS to verify new customers. BBVA’s Online Checking Account is available nationwide. 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. Apply with only $25 opening deposit.


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. No opening deposit required. If you open a savings account Chime will round up transactions to the nearest dollar and transfer it to your savings account.

BankWest Of Kansas

BankWest of Kansas does not use ChexSystems or a credit report to open new accounts. They offer several checking account products but you must have 2 forms of identification.

Bank Of Kansas City

Bank of Kansas City second chance checking offers the Opportunity Checking. It is a checkless account that provides you convenient access to your money, without the burden of writing checks. There is a $14.95 monthly service fee or $9.95 monthly service fee with a qualifying direct deposit of regular monthly income of at least $300 per statement cycle.

Central Kansas Credit Union

Central Kansas Credit Union runs a credit report to open a checking account.

Central National Bank

Central National Bank offers a second chance checking account called “New Opportunity Checking.” New Opportunity Checking features requires a $30 opening deposit, free online & mobile banking, unlimited check writing. The monthly fee is $9.99 or $7.99 with direct deposit. Designed to help you rebuild your banking history!

Corporate America Family Federal Credit Union

Corporate America Family FCU offers a second chance checking account called the “Fresh Start Checking.” Designed to rebuild a positive checking account history. There is a $10 monthly fee plus you must maintain a minimum balance of $100 in your Regular Share Account.

Citizens State Bank

Citizens State Bank does not use ChexSystems. They offer a variety of checking account products that require identification and a Social Security card to open.

Community Bank and Trust

Several checking account products are available with 2 forms of identification.

KC Fairfax Federal Credit Union

KC Fairfax Federal Credit Union uses Telechecks to verify new customers.

United Consumers Credit Union

You can establish a successful banking relationship, even if you have past credit problems with United Consumers Credit Union. They offer a second chance checking account with unlimited check writing. There is a $10 monthly fee. After 12 months of successfully managing your account, you may request a status review and switch to our Classic Checking Account.


Leave a Reply

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