Have you been told that you have poor financial credit? Many banks will consider you a risk is you have. This means that you have bounced checks, kited checks, accrued NSF fees, or even had a negative balance for a specific amount of time. Oftentimes, once your poor credit has been noticed you will no longer be extended the opportunity to bank with ChexSystems banks.
Luckily, however, there are banks and credit unions often called ‘last chance banks’ or ‘non-ChexSystems banks’ which provide services to customers with bad credit. These financial institutions accept you, knowing that you are a risk. Because of this, they usually require that you provide a source of collateral or something of value to ensure that if you fall in to the same habits, the bank will not be left without money.
It is nearly impossible to survive without a bank account, so these financial institutions can be a huge help for you. Once you have survived for five years while employing good credit practice to improve your credit, your name will be removed from the ChexSystems list and you can get into a more normal banking situation.
Montana has several financial institutions that are Non ChexSystems Banks. You may want to start with these and see if they can provide the services you are looking for. Also, try doing a search on the Internet for other options.
Please note that the information about non chexsystems banks changes each year (even month). We cannot guarantee any of the banks listed won’t do a non chexsystems check (though at the time of compiling, these banks don’t require a chexsystems check). You will have to call the banks to see.
We recommend trying to apply for the BBVA Compass ClearConnect Checking Account. This bank account can be applied for nationally and they have a reputation for giving accounts to customers with bad banking history — like you.
Even better, if you get your application rejected, they will offer you their Second Chance ‘BBVA Compass Easy Checking‘ Account. So either way, you should be able to get an account.
Non Chexsystems Banks in Montana
Garfield County Bank (406) 557-2201
Native American Bank (303) 988-2727
Elkhorn Federal Credit Union Fresh Start Checking
Valley Federal Credit Union Opportunity Checking
More Non ChexSystems Banks in the US by State