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Idaho Second Chance Banks and Credit Unions

idaho-banks-that-dont-use-chexsystems
Second chance banks in Idaho offer an opportunity for people to re-enter the banking system along with building a positive banking history.

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. Check out our list of second chance checking accounts in Idaho. 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.

Idaho 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.
Rewards Checking is offered by Upgrade Inc, a nonbank financial services provider founded in 2016 and based in San Francisco, CA. It is made possible by a bank partnership with 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. Rewards Checking is available in 50 states (and Washington, DC).

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.

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.

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