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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. ChexSystems or a second chance checking account in Kansas.

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

Second chance checking accounts in Kansas

OneUnited Bank

OneUnited Bank’s Online Checking Account is available to people in ALL STATES. We like OneUnited Bank because customers can add cash to the OneUnited Bank Debit Card at over 90,000 locations across the country through a partnership with Green Dot®.

OneUnited Bank offers the Black Wall Street Checking account with no monthly fee. However, if you don’t qualify, they offer the U2 E-Checking Account specifically designed for bad credit.

To get started go to the “Get the Card” button, enter your name, email address and cell phone number. Choose the Black Wall Street Checking account option along with the opening deposit ($25.00 minimum), then complete your identification details (name, address, SSN, and employer).

Black Wall Street Checking Account Features

  • Minimum opening deposit of $25 (can be funded with a credit card).
  • No monthly fee.
  • Get paid up to 2 days early with early direct deposit.
  • Free Online & Mobile Banking.
  • Obtain Cash, Surcharge Free at Over 35,000 ATMs Nationwide.
  • Deposit checks through the mobile app.
  • Free Bill Pay
  • OneUnited also offers a secured credit card that reports to the major credit bureaus.

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.

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.

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