North Dakota Non-ChexSystems Banks: Get a second chance at banking

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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.

Small Banks and Credit Unions in North Dakota may have second chance checking accounts or may be a North Dakota Non-Chexsystems Bank. More choices also exist at larger nationwide No-ChexSystems Banks and 2nd Chance Checking Accounts that will give you an opportunity to get back into banking.

North Dakota Online Checking Accounts – Bad Credit Okay

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

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Chime

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.


North Dakota Second Chance Checking Accounts and North Dakota Non ChexSystems Banks

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.

Non-ChexSystems Banks by State

Second chance banking is available in all 50 States. Find additional options in your area and share the list of second chance banks with friends and family that may be unbanked.

 

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