Missouri Non ChexSystems Banks


Missouri residents living without a bank account may end up paying more for simple services like cashing a check or paying utilities without cash. ChexSystems or bad credit has hindered a large number of Americans from having access to traditional checking or savings accounts. Fortunately for the citizens of Missouri there are several banks offering second chance accounts and even Missouri non-ChexSystems banks.

Online Options for Missouri No-ChexSystems Banks

BBVA Compass ClearChoice Money Market
ANYONE can open this account! BBVA Compass ClearChoice Money Market Account is a No-ChexSystems bank account. There are great features with the ClearChoice Money Market Account like mobile check deposits, direct deposit, bill payment and ATM banking at BBVA Compass ATMs. The account requires a deposit of $25 to open. A money market account is like your basic savings account – the higher your balances, the greater your interest-earning possibilities. Open today.

Loans up to $10,000 for poor credit. Build credit history. Check your eligibility with no hard inquiry to your FICO® score!

Missouri Second Chance Banks and Missouri No-ChexSystems Branch Options

(Note: This list is not exhaustive and in no way represents all banks in Missouri that do not use ChexSystems. You must visit the bank in-person to open an account)

Alliance Credit Union
Get a second chance with Alliance Credit Union’s FreshStart Checking account. It is a “second-chance” checking account designed for people who have had difficulties with past checking accounts and have been placed on ChexSystems.

Bank of Kansas City
Bank of Kansas City offers an account called “Opportunity Checking” designed to let you start over even though you have a ChexSsystems record. There is a $50 minimum opening deposit required. The account features a Visa debit card, free online banking and a monthly service fee of $14.95.

Central Bank of the Midwest
Get back on track with a “Fresh Start” checking account. The account features unlimited check writing, free online bill pay and mobile banking. The minimum deposit required to open the account is $50. There is a monthly service fee of $8.00, however if you have direct deposit the monthly service fee is $6.00.

Century Credit Union
Century Credit Union only uses Telecheck to open accounts. They offer free checking with no service charges or monthly fees. Unlimited check writing with no per check fees. Dividends paid on average daily balances of $1000.

Community Bank and Trust 
Community Bank and Trust only requires proper identification to open accounts. They feature several checking accounts all of which include a free debit card, free online banking and unlimited bill pay along with free mobile banking.

Columbia Credit Union
A “Fresh Start” checking account is available to people with prior issues managing a traditional checking account. There is a $15.00 monthly service fee, no minimum balance requirement, free Visa debit card, free online and mobile banking.

Electro Savings Credit Union
This checking account is designed for individuals that may not qualify for traditional checking accounts, have been denied at other financial institutions and want to get out of the need for high-fee Check Cashing providers. The account features no minimum opening deposit, a $5 monthly account fee, a free ATM card with debit card privileges after 90 days, online and mobile account access and bill pay.

Focus Bank
Focus Bank gives you a chance to re-establish yourself in the financial world with a “Fresh Start” checking account. It requires a $50 opening deposit. There is a $7.95 monthly fee, free online and mobile banking, free ATM/debit card and free direct deposit.

Kansas City Credit Union
Kansas City Credit Union only uses Telecheck to open accounts. There is no minimum balance requirement, no per check charges or monthly service fees, a Visa debit card, free online bill pay, overdraft privilege and direct deposit is available.

Landmark Bank
Landmark Bank offers a second chance checking account called “Rebound Checking”. This account offers a free Visa® Debit Card, a free box of Landmark Bank logo checks and up to 5 ATM Network fees waived per-month. There is a monthly service fee of $9.99. Plus, if you keep your second chance checking account in good standing for 12 consecutive months, you will be eligible to switch to another checking account type, including Better Free Checking.

Missouri Credit Union
The “Smart Start Checking” can help get you back on track. There is unlimited check writing, mobile banking, bill payer, mobile banking, a debit card and only $25.00 is required to open the account.

Montgomery Bank
If you need a second chance the Montgomery “New Start Checking” may be a good fit for you. The account features the flexibility of unlimited check writing with the advantages of a low minimum to open, no monthly service charge and free online banking.  The minimum required opening deposit is $20 and there is no monthly service fee.

National Bank of Kansas City
Get a second chance with the “Fresh Start Checking” that puts you back on track.  Benefits of the account include free online banking, free online banking and bill pay. There is a $10 monthly fee, no minimum balance and unlimited check writing. The minimum deposit required to open is $50.

St. Louis Community Credit Union 
St. Louis Community Credit Union offers the “Freedom Checking” account for people that had problems managing accounts in the past. The second chance account requires open both a savings and checking account at the Credit Union. You’ll receive a debit card, checks, and you can take advantage of Direct Deposit (if available through your employer).

Town and County Bank
The “Opportunity Checking” account offers a fresh start for customers who have had trouble opening a checking account. There is a $6.00 monthly service fee with direct deposit or $8.00 monthly service fee without a direct deposit.

United Consumers Credit Union
Establish a successful banking relationship even if you’ve had past credit problems. United Consumers Credit Union offers a second chance checking account. There’s no minimum balance, and you’ll pay just $10 per month for unlimited check writing. After 12 months of successfully managing your account, you may request a status review and switch to the Classic Checking Account.

Wood & Huston Bank
Wood & Huston Bank offers a “StartFresh Checking account.” The account features unlimited check writing, free Visa debit card, mobile and online banking and online bill payment. After 18 months in good standing you may qualify for the “SmartChecking Account.”

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