If you have poor financial credit, many banks will consider you a risk. When you have bounced checks, kited checks, accrued NSF fees, or even had a negative balance for a specific amount of time, banks realize that you are a poor credit risk. Oftentimes, once your poor credit has been noticed you will no longer be extended the opportunity to bank with ChexSystems banks.
ChexSystems carries a customer’s information in their database for 5 years. This can be difficult to overcome without the assistance of banks and credit unions that are willing to extend their services to individuals with questionable financial credit.
Most states have what are sometimes 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. They do, however, sometimes require a security deposit be kept on file.
While this is a hassle, it is better than not having a bank at all. It is almost impossible to survive without some kind of bank account, so these financial institutions can be a saving grace. Once you have survived five years, your name will be removed from the ChexSystems list and you can get into a more traditional and normal bank.
Nebraska 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.
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.
If you have problems opening up a bank account, the best solution is to open up an online bank account here.
Nonchexsystems Banks in Nebraska