Non Chexsystems banks California

Non Chexsystems Banks in California

The way that you conduct yourself with financial institutions can have a huge impact on your ability to get a bank account. You don't just have to worry about your consumer profile. Nowadays, you have to worry about a system called ChexSystems. ChexSystems is a personal consumer reporting agency for banks. They have a huge database of consumer information that strictly deals with interactions that such a consumer has with a bank.

Telecheck is a similar system that keeps records of issues that arise in checking accounts such as check bouncing and writing checks off of a close account. If you get caught up in the ChexSystems or Telecheck system, you may find yourself having a hard time getting a bank account. Many banks use these systems as their primary source of approving people who apply for accounts. Fortunately, there are non ChexSystems banks in California that can assist you. You can still find an institution that will take a chance on you. You just have to search a little bit.

How People end up in ChexSystems

ChexSystems reports have to do with poor management of funds. Usually, people who end up in ChexSystems are people who have an issue with an overdraft, negative balance or something else that they did not take care of once they discovered the situation occurred. Banks report such activities and balances to the ChexSystems database, and then such consumers have issues getting a bank account. If you have been recently denied a bank account, it may be because a former bank has reported something that is in your past. ChexSystems can keep such information in its system for up to five years if you continue to allow it to linger. You can order a copy of the report so that you can see what the issue is, and then you can take steps to fix it. Alternatively, you can try to find second chance checking California banks.

How to Get around a ChexSystems Block

If you need a bank account, and you are unable to resolve an existing situation, you can search for banks in California that don't use ChexSystems. Such banks use different criteria for qualifying you for a bank account instead of seeking information from the Chexsystems database. You can look for banks who don't use ChexSystems or Telecheckor non ChexSystems credit unions to open your account.

Start Looking for Alternatives Today

Currently, there are still quite a few banks that do not use the ChexSystems or Telecheck systems to screen people when they apply for accounts. You can review the list of options and then check with the institutions to see if they are still operating in such a manner. When you visit the institution, you should be sure to bring your identification and a large enough deposit to open the kind of account you want to open. After you get your account set up, you will have the opportunity to start fresh and interact with your new bank account in a responsible manner.Jump to top

Non Chexsystems Banks in California

Bank Name

Phone Number

Abacus Federal

(212) 285-4770

Allied Irish Bank

(212) 339-8000

Community Bank

(716) 532-3363

Cross County Federal Savings Bank

(718) 651-4600

Are you looking to open a Bank Account but you have ChexSystems problems or Bad Credit?

Try opening a BBVA Compass Free Checking Account! BBVA is one of the top banks in the US and they may give you a REGULAR bank account when you apply online...even with bad credit history or Chexsystems records.

If for some reason, you don't qualify for the regular BBVA checking account, you'll have the opportunity to open the BBVA Compass Easy Checking Account, the most forgiving account designed specifically for those with banking problems....

Learn more about BBVA Second Chance Banking!

New York non Chexsystems banks

Non Chexsystems Banks in New York

If you are looking for second chance banks in NYC, chances are good that you have been added to Chexsystems or Early Warning Services due to financial issues that you might have had in the past. It can be easy to get added to the Chexsystems or EWS database; you might have bounced a few checks, for example, or you might have maintained a negative balance with your bank for a certain period of time.

Even though it can be easy to be added to these databases, getting by without a bank account most decidedly is not easy at all. It can be tough to store your money, cash your checks, pay your bills and more if you don't have a bank account. With many banks checking Chexsystems and Early Warning Services before granting bank accounts, however, it can be tough to open up a bank account for years after being added to one of these databases.

Even though getting a checking account while on Chexsystems can be tough, however, you do have options. Believe it or not, there are banks that don't use Early Warning Services or Chexsystems at all.

With New York non Chexsystems banks, you can actually open a bank account without worrying about your financial past being held against you. No Chexsystems banks typically offer checking and savings accounts with many of the same features that you would enjoy through any other bank, such as a debit card, check writing and more. Once you check out this list of non Chexsystems banks in NYC, you can finally find a bank that will work with you through this tough time. Then, you can finally take advantage of the benefits of having a bank account without having to worry about the bank saying no to you because of the mistakes that you might have made in the past.Jump to top

Non Chexsystems Banks in New York

Bank Name

Phone Number

Abacus Federal

(212) 285-4770

Allied Irish Bank

(212) 339-8000

Community Bank

(716) 532-3363

Cross County Federal Savings Bank

(718) 651-4600

Are you looking to open a Bank Account but you have ChexSystems problems or Bad Credit?

Try opening a BBVA Compass Free Checking Account! BBVA is one of the top banks in the US and they may give you a REGULAR bank account when you apply online...even with bad credit history or Chexsystems records.

If for some reason, you don't qualify for the regular BBVA checking account, you'll have the opportunity to open the BBVA Compass Easy Checking Account, the most forgiving account designed specifically for those with banking problems....

Learn more about BBVA Second Chance Banking!

Credit Union

9 Credit unions that don’t use Chexsystems | Non Chexsystems Credit Unions

Financial troubles can happen to anyone. If you've been through a rough time and had your checking account closed, you may be shut out of programs such as on-line bill pay. You may also be struggling to rebuild your credit.

Common Chexsystems concerns

1) Is Chexsystems a credit reporting agency?

Technically, no. Chexsystems is a nationwide consumer reporting agency that tracks checking accounts that have been closed due to bounced checks and unpaid fees. While a poor Chexsystems record cannot directly impact your credit score, non-payment of bills can impact your credit score. A poor Chexsystems score and a poor credit report often go hand in hand. Unfortunately, once you have a negative rating in ChexSystems, other banks may not want to handle your account.

2) Is Chexsystems accurate or legitimate?

If you've been declined for a checking account, you have the right to request a consumer disclosure report for review. If you find errant charges or indications of identity theft, you can dispute your Chexsystems score and file an identity theft affidavit.

3) When should I use a Credit Union that don’t use Chexsystems?

If you've been through a rough financial patch and would like a fresh start, many regional credit unions offer Second Chance bank accounts. There are fees and some limitations, but with care you can build the 6 months of accurate checking account history needed by most credit unions to move into a regular account.

4) Why would a Credit Union would not use Chexsystems?

It's important to note that most credit unions do use Chexsystems or a similar system to track the fiscal histories of new clients; this is simply responsible due diligence on behalf of existing credit union members. However, credit unions are nonprofit organizations with a public service component. When you're starting over on your checking account, credit unions will most likely offer a less restrictive second chance account with fewer fees and restrictions and a better chance to move into a regular account sooner.

How Do I Work Around The Blacklist From Chexsystems?

What credit union does not use ChexSystems? Actually, this monitoring system seems fairly common, but there are ways of getting a checking account while on ChexSystems blacklist. You need to find a credit union that doesn't rely solely on Chexsystems as the final decision in declining or accepting a new client. Below are a list of regional credit unions that offer access to a second chance checking account:


First Service Credit Union

First Service Credit Union serves the Houston area and offers second chance checking or fresh start checking. This service requires a $9.00 monthly fee but includes a Visa debit card, online bill pay and online banking. After six months of successful use, you can move to a high yield or free checking account.


Cardinal Credit Union

Near Cleveland, Ohio, you can set up a second chance account with Cardinal Credit Union. You will need to pay a monthly fee of $8.95 and you'll be able to get $250 in overdraft protection. Please note that this checking account will not come with any checks; you'll get 10 free bill pay transactions each month and a debit card.


Alliance Credit Union

Alliance Credit Union offers members easy access to ATMs and has a program called FreshStart Checking. This account requires a $10 monthly fee, access to 28.000 ATMs and free online banking and bill pay. If you can make deposits via direct deposit, the monthly fee may drop.


Prestige Community Credit Union

Texas-based Prestige Community Credit Union offers a Fresh Start program that has a $10 monthly fee once you set up direct deposit, free online bill pay, free access to check images, and an instant access Visa debit card. This card can be used with no fees at any Prestige or CU Here location; nominal fees may crop up if you withdraw cash out of this network.


First American Credit Union

With physical locations near Gallup, New Mexico, First American Credit Union offers a terrific Second Chance Checking program. You'll get 50 free transactions each month and free mobile banking. You will need to make a $50 minimum deposit and pay a $10 monthly fee. Once you've had 12 months of successful account handling, you can move to a regular checking account to reduce your fees.


Houston Metropolitan Federal Credit Union

Citizens in the Houston Metro area can enjoy access to 2nd Chance Checking at the Houston Metropolitan Federal Credit Union. If you don't live in Houston but have a family member that banks at HMFCU, you may still qualify. This 2nd Chance Checking account will waive fees if you maintain a balance of $250. Overdraft protection from your savings is an option, and there are several free electronic tools available once your account is set up.


St. Louis Community Credit Union

The Freedom Checking Account available from the St. Louis Community Credit Union gives users several options. After six months of successful use with no overdrafts, you can upgrade to a less restrictive checking account. Within 60 days of opening, you can apply for $200 in overdraft protection privileges, and you'll get a free debit card, bill paying services and direct deposit options. If you live in or near St. Louis or have family that bank with St. Louis Community Credit Union, you may qualify for an account here.


American Airlines Credit Union

To join American Airlines Credit Union, you must either work in the aircraft industry or have a family member who has a membership. The Ascend Checking with American Airlines Credit Union offers overdraft protection from savings, free online management and bill pay, access to ATMs at many kiosks across the country and a $9.75 monthly service fee. There's no minimum balance as long as you have enough to cover expenses, and access to credit education is also available.


Foothill Credit Union

Residents of Los Angeles will have access to the Foothill Credit Union, thanks to their Rebound Checking program. Once you sign up and the direct deposit data is working, you'll get a free Mastercard debit card, free bill pay and free electronic statements. Checks are also available, but there will be a fee for this option. Once you've had success with this account for a year, you can switch to an account with no fee. However, while you're building your new banking habits, be aware that the monthly service fee for this credit union is only $6.00 per month.


Checking accounts can be touchy, particularly if you're just starting out. Should you suffer a financial setback, or make a mistake because you have both checks and debit card purchases pulling out of the account, you can easily become overwhelmed. It's very easy to drop below your minimum and the find yourself hit with insufficient fund fees, late fees and the like. These fees can add up and make a checking account unusable and expensive.

With proper handling and a little practice, you can get your checking account back in control. However, if you've been blacklisted by ChexSystems, it may be hard to find a bank or credit union that will give you a chance. Because so many banks and credit unions use ChexSystems as a screening product, you'll need to check out credit unions in your area to determine which offer a second chance checking or Rebound program. If possible work local. If your employer pays you through a credit union, talk with them to see if you can get a checking account set up in spite of your Chexsystem status.

Are you looking to open a Bank Account but you have ChexSystems problems or Bad Credit?

Try opening a BBVA Compass Free Checking Account! BBVA is one of the top banks in the US and they may give you a REGULAR bank account when you apply online...even with bad credit history or Chexsystems records.

If for some reason, you don't qualify for the regular BBVA checking account, you'll have the opportunity to open the BBVA Compass Easy Checking Account, the most forgiving account designed specifically for those with banking problems....

Learn more about BBVA Second Chance Banking!

Best Second Chance Bank Accounts


If you have recently attempted to open a new bank account and your application was rejected without good reason, chances are you might have been left pondering on the reason why. 

Second Chance Bank

If you can relate, then you should know that it’s actually quite common that banks and other financial institutions reject new account applications due to applicants’ faulty banking records, and this might have very well been your case. Don't worry about it, we'll present you with the best available second chance bank accounts!

Why Was My Request to Open a New Bank Account Denied?

ChexSystems is a consumer reporting agency that may put your name on their blacklist if you’ve ever had a bank account closed as a result of not paying overdraft fees, or similar other banking mistakes. Most financial institutions use ChexSystems to determine whether to accept or decline a new application.

Synonymous to how your credit score and report will determine whether or not a given creditor will approve your credit card application, ChexSystems provides banks with a consumer report that allows them to determine if a potential account holder will be an asset or a burden. This is mainly to filter out irresponsible account holders who are likely to avoid paying bank fees.

Of course, if you are sure that you have a flawless banking record, then there might be a mistake on ChexSystems, or the reviewing financial institution’s end.

The Solution: A Second Chance Checking Account

If you’re looking to open a bank account online due to bad credit, or if you’ve been searching for a non ChexSystems checking account without much success, then look no more -- “second chance” accounts are alternative bank accounts for people on ChexSystems’ blacklist and they are the perfect solution for someone with a flawed banking record.

Just as the name suggests, these bank accounts have been designed specifically for people who need a second chance at proving that they can be responsible account owners. If they stay clear of fees and negative balances, most banks even allow their users to fix their banking history and upgrade to a regular checking account after 6-12 months.

To aid you further, we’ve put together a list of second chance banks that are worth considering:

BBVA is committed to giving users another shot at responsible banking. Residents of California, Arizona, New Mexico, Texas, Colorado, Alabama, and Florida, can enjoy the benefits of BBVA Compass’ ClearChoice Free Checking, ClearChoice Savings, and Easy Checking accounts, which are all second chance accounts.

Compass ClearChoice Free Checking Account

  • Mobile & online banking, customizable alerts, online and paper statements, and a personalized Visa debit card, all free of charge!You can open an account with as little as a $25 deposit
  • You’re given 180 days to close your account without incurring fees
  • No ATM fees at BBVA Compass ATMs
  • Unlimited checksUse another bank’s ATM without paying a BBVA fee per transaction ($5)
  • Unlimited checks ($2)
  • Unlimited cashier’s checks ($2)
  • A 3x5 deposit box ($3)

For more information by state, you can click here 

Compass ClearChoice Savings Account

  • Service charge is $15, but you don’t pay this if you have a daily balance of at least $500, or if you transfer $25 from your BBVA checking to your savings account every month
  • You can open an account with as little as a $25 deposit
  • You can close your account within the first 180 days for $25
  • Dormant account ($15 every 3 months)
  • Paper statements ($3)
  • Exceeding withdrawals ($3)

For more information by state, you can click here.

Compass Easy Checking

  • It’s a last resort for applicants that don’t qualify to open a ClearChoice account
  • Service charge of $13.95 per monthYou can open an account with as little as a $25 deposit
  • You can close your account within the first 180 days for $25
  • Use another bank’s ATM ($2.50 per transaction)
  • Paper statements ($3)
  • Visa debit card ($10)
  • Dormant account ($5, not available in all states)

For more information by state, you can click here.

2. Wells Fargo

Wells Fargo’s “second chance” option is its Opportunity Checking and Savings Account. This type of account was specially designed for customers with bad credit or banking records. More information about this option:

  • $10 service fee, waived if you perform a minimum of 10 debit card transactions per month, if you maintain an account balance of at least $1,500, or if you receive a minimum of $500 in deposits every billing cycle
  • You are required to make a $50 deposit to open an account
  • You can transfer funds between other Opportunity accounts at no extra fee
  • Optional overdraft protection service
  • Pay bills online at no extra charge
  • Optional spending report
  • Free debit card
  • Use Wells Fargo ATMs at no extra charge
  • Network of 2,500 ATMs across the country

Fees to lookout for:

  • Overdraft fee ($35)
  • Returned item fee ($35)
  • Overdraft protection transfer/ advance fee ($12.50)
  • Excess withdrawals from savings account ($15)
  • Debit card foreign transaction fee (3%)
  • Money orders ($5)
  • Stop payments ($31)

3. First National Bank Texas

first convenience

First National Bank and Trust Company also offers a “second chance” account for customers who are looking to restore their banking record. Their option is the Renew CheckingAccount. More information on this second chance account:

  • Mobile and online banking, bill paying service, electronic statement, all free of charge
  • Monthly fee is $7.95 with direct deposit, and $9.95 otherwise
  • A deposit of $25 or more is required to open an account
  • There are no minimum balance requirements
  • Paper statement available for $2
  • Use one the network’s 70,000 ATMs across the world, at no extra chargeUpgrade to regular account after 1 year of stable activity
  • Close your account within first 180 days for $30

Fees to look out for:

  • One-time setup fee, $15
  • Overdraft and insufficient funds fees, $31
  • Stop payment requests, $31

For more information by state, you can click here.

4. Woodforest National Bank

Woodforest Bank

Woodforest National Bank is another great second chance alternative for consumers inAlabama, Florida, Georgia, Illinois, Indiana, Kentucky, Louisiana, Maryland, Mississippi, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Texas, Virginia, and West Virginia.

More information on this second chance account:

  • A minimum deposit of $25 is required to open an account
  • One-time setup fee, $15
  • Monthly maintenance fee of $11.95. If you receive a direct deposit every month, the fee drops to $9.95
  • Withdraw from Woodforest ATMs at no cost

Fees to lookout for:

  • Withdrawals using another bank’s ATM, $2.50 / per transaction
  • Insufficient funds, $29
  • Paper statement, $29
  • Stop payment, $35
  • $25 fee if you close your account within the first 180 days
  • Debit card setup, $15

Although there are many fees tied to this account, you can upgrade to a more convenient account type after 6 months of good standing history. Click here to learn more about this account. 

5. PNC Bank

PNC bank

If you apply for a regular PNC checking account, but aren’t approved, they will offer you a Foundation Checking Account. More information on this second chance account:

  • $7 monthly service fee
  • Minimum deposit of $25 required to open an account
  • Paper statements available for $2/ a monthIn order to apply, customers must first go through PNC’s Foundations of Money Management ( course, which is a great asset in and of itself
  • Upgrade to a regular account after 6 months of stable activity

Where Else Can I Look?

If none of these alternatives help, you can always look around locally. There are many community banks and credit unions that offer second chance accounts. Since these financial institutions aren’t as picky as the larger corporations, and since they are usually more interested in forming a personal relationship with their customers, you can always explain your position personally.

But, I Don’t Have a Bad Credit or Banking Record

No system is perfect, credit bureaus and consumer reporting agencies sometimes have data attached to a wrong name. So, if you believe there may have been a mistake, get the paperwork to back you up and try to clear up the misunderstanding. ChexSystems provides free consumer reports once a year. Consumers may request theirs with an online form available at their website, or by mail, phone, or fax.

You can also review this ChexSystems sample report to become familiar with the information contained therein. If you find proof that there has been an error, you can dispute the information with this form and request that ChexSystems looks into correcting the error

Lookout for Fees and Record All Financial Movement

As described on the list above, these options all entail several bank fees, so it’s worth doing your homework before choosing a second chance account. Go for the one that best fits your needs and is available in your area and monitor your account movement carefully to avoid unnecessary fees. On that same note, try to always have enough money in your account to cover for any mistakes.

Given that the majority of these alternative accounts offer mobile and online banking, you can easily check your balance whenever you wish. There are also many services out there that can help you control multiple accounts from one place, like LevelMoney, Mint, or You Need a Budget.

Are you looking to open a Bank Account but you have ChexSystems problems or Bad Credit?

Try opening a BBVA Compass Free Checking Account! BBVA is one of the top banks in the US and they may give you a REGULAR bank account when you apply online...even with bad credit history or Chexsystems records.

If for some reason, you don't qualify for the regular BBVA checking account, you'll have the opportunity to open the BBVA Compass Easy Checking Account, the most forgiving account designed specifically for those with banking problems....

Learn more about BBVA Second Chance Banking!

Get out of chexsystem

15 Banks That Don’t Use Chexsystems | Best Non Chexsystems Banks

It is estimated that around 7% of Americans do not have access to a bank account. Do you belong to that category? Have recently applied unsuccessfully for a new bank account? If so, ChexSystems might very well be the reason why banks reject your application. So you may very well ask the question: what bank does not use chexsystems?

You can, of course, survive without a bank account, and many American households do just that. Many do it by choice, either due to distrust of the financial system or due to privacy concerns. But having at least one bank account can make life a lot easier indeed.

So what is this ChexSystems, and why look at banks without that service? And what banks don't use Chexsystem?

ChexSystems and Banks: A Brief Intro

We all have a fair idea of how the credit system works here in the US. You apply for a credit card or loan, and the lender checks your credit score. This score is kept by information collection agencies called "credit bureaus." Most lenders use scores from these three national credit bureaus to check your credit scores: Equifax, Experian, and the TransUnion. 

ChexSystems is a consumer reporting agency similar to these credit bureaus. But instead of your debt repayment history, it looks at how you handle your deposit accounts. It is estimated that nearly 80% of US banks use ChexSystems score to screen customers who apply for a deposit account.

With credit bureau scores, you at least have the chance of having a positive rating. So getting your name on their rolls can be a good thing for you. But with ChexSystems, it is all bad news, as they only keep a negative score. They are like the criminal records system maintained by the state and police: you are only in there if you have done something wrong.

The sad thing is that you don't have to do anything serious, like intentional fraud, to get your name in the ChexSystems records. It could be anything from unpaid fees/bills and overdrafts, to bounced checks. The system converts all these instances into a score, from 100 to 899. The lower your score, the worse your overall rating.

Alternative Banking Options: The "Other 20%."

If 80% of banks use the system, then it stands to reason that you have a better chance of getting a new bank account with the other 20% that do not use this system. These are credit unions and local/regional banks that do not use Chexsystems or telecheck.

Incidentally, all is not lost if you have a bad ChexSystems score. Yes, all the major banks do base their approvals on this score, but there are several who offer consumers some leeway. These banks provide the option of opening what is called a "second chance account." And it means exactly what it sounds like: you get the chance for a fresh start, but often without all the perks and services available for standard accounts.

15 Banks That Don't Use ChexSystems in 2017

This Alabama-based subsidiary of the European banking giant BBVA has a very lenient attitude towards people with troubled banking histories. They don't look at ChexSystems, and have a generous feature list that includes the following features:

  • Online and mobile banking
  • Free Visa debit card
  • No monthly charges, or annual fee, or fees for mobile and online banking services
  • Smartphone app accessUnlimited checks

Unfortunately, their online application is only available for residents of the following states- Alabama, Arizona California, Colorado, Florida, New Mexico and Texas. For residents of other states, another kind of online checking account is available, but with minor differences. Unfortunately, their services are not available in Alaska and Hawaii.

** Recommended bank for those with ChexSystems problems or Bad Credit **

Try opening a BBVA Compass Free Checking Account! BBVA is one of the top banks in the US and they may give you a REGULAR bank account when you apply online... even with bad credit history or Chexsystems records.

If for some reason, you don't qualify for the regular BBVA checking account, you'll have the opportunity to open the BBVA Compass Easy Checking Account, the most forgiving account designed specifically for those with banking problems....

Learn more about BBVA Second Chance Banking

2. Wells Fargo

Not many top national banks offer second chance accounts. So if you have a bad ChexSystems score, Wells Fargo is your best bet at getting a new account in a bank with pan-US presence. This is one of the oldest and most famous banks in the US, with a broad national and global presence. When you apply, you will get an Opportunity Checking Account, which will thankfully provide every service that a basic checking account provides. It has the following features:

  • Online banking, debit cards, checks, and all in-branch services
  • Initial deposit of $25
  • Monthly service fee of $10, avoidable by maintaining a minimum daily balance/direct deposits/debit purchases and payments
  • You will need to visit your local branch to apply.

3. Green Dot Bank

green dot

Headquartered in Pasadena, California, Green Dot is another option if you want a bank with a national presence. They do not look at ChexSystems score for screening purposes. In fact, they do not look at any major credit scores at all. You have two options with Green Dot:

A Green Dot Reloadable Prepaid Debit Card that functions as a regular bank account. You are free to add cash, withdraw cash, or spend it using the card. There are small fees involved. You can apply online for this card. 

A Go Bank Checking Account that can be applied for at WalMart, online, or through the Go Bank app. Sign up is free online, and there are monthly fees that can be waived by making direct deposits. No minimum balance or overdraft/NSF fees are required. 

4. Woodforest National Bank

Woodforest Bank

This is one of the larger community banks in our list, with a regional presence that spans across 17 states, mainly in the South and the Eastern seaboard. They do look at ChexSystems, but for those with banking troubles in their past, they have a second chance checking account. There is no online option, and you will have to personally visit one of their branches to apply. The features include:

  • Branches in Alabama, Florida, Georgia, Illinois, Indiana, Kentucky, Louisiana, Maryland, Mississippi, New York, North Carolina, South Carolina, Texas, Ohio, Pennsylvania, Virginia, West Virginia.
  • Minimum deposit of $25 only, with a one-time fee of $9
  • Monthly fee of around $10

5. Navy Federal Credit Union

This option is exclusively for serving and retired members of our armed forces. If you have a service record in the Army, Marines, Navy, Air Force, Coast Guard, Army and Air National Guard, you are eligible to apply. Their services are also open to DOD employees and contractors, as well as family members of veterans/active personnel. If that includes you, then you have access to banking facilities that are available all over the US, in nearly 300 locations

This Credit Union does not check ChexSystems scores. You get access to a full package of banking and financial services, including a free checking account with zero minimum balance requirements. You will need to visit the local branch in person with all required records and documents to apply.

6. Capital One


Capital One is a client of ChexSystems, and they do check your score when you apply. But as long as you have a positive credit score and haven't indulged in any serious banking fraud, they are willing to give you the benefit of the doubt. So they can be considered among the online banks that don't use Chexsystems. They are based in Virginia and have one of the largest banking systems in the US. So, even if you have a poor score, you should at least give it a try. Here the link to sign up. If eligible, you will get an online 360 Checking Account, which has some excellent benefits:

  • Online banking and mobile banking
  • Free Master Card debit card
  • Overdraft functions
  • No minimum balance, or fees

7. PNC Bank

PNC bank

This regional bank, headquartered in Pittsburgh, is a real behemoth with branches in nineteen states and the District of Columbia. They are the fifth largest banking entity in the US regarding a total number of branches. They do use ChexSystems, but offer a second chance account, called Foundation Checking to their clients. But there is a small catch: you will have to apply in person, and then pass a 90-minute online course in Money Management. For all that trouble, you will get an account with the following features:

  • Branches in Alabama, Delaware, Florida, Georgia, Kentucky, Indiana, Illinois, Maryland, Michigan, Missouri, New Jersey, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Virginia, West Virginia, Wisconsin, and the District of Columbia.
  • Online and mobile bankingVisa Debit Card
  • Opening deposit with a minimum balance of $25
  • Minimal monthly charges ($7)

8. United Bank

They are a small regional bank based out of West Virginia, with branches in West Virginia, Maryland, Ohio, Pennsylvania, Virginia and the District of Columbia. They don't bother too much about a bad ChexSystems score. If you are a resident of the states mentioned above, they can be a great option. You do get some nice features with their United Free Checking account:

  • Free Visa card
  • Online bill payment facilities
  • Mobile banking options
  • Zero fees, or minimum balance requirements
  • A basic minimum online deposit of $50.

9. TD Ameritrade

Ameritrade is not a traditional bank, but a brokerage firm that offers online trading options in stocks, financial securities, and mutual funds. As a part of these services, they also provide lending and cash management services. The TD in their name refers to TD Bank, the largest shareholder. When you open a brokerage account in TD Ameritrade, you get the option to add checking account facilities. They come with the following benefits:

  • Free debit card
  • Online bill payments
  • Zero monthly fees
  • No minimum deposit required

Now, this method is an indirect way to get access to a checking account facility. So far, there have been no indications that Ameritrade uses ChexSystems, but this situation may change in future. So please keep that in mind when you apply online for a brokerage account with them. 

10. TCF Bank

tfc bank

They are a small Minnesota based bank, with branches in 380 locations in eight US states. If you are a resident of Minnesota, Illinois, Michigan, Colorado, Wisconsin, Indiana, South Dakota, or Arizona, they may be a good option to look at. They do look at ChexSystems, but as long you do not owe them any cash, you should be okay. They do take exception to poor EWS scores, if you are messed up on that front, this may not work out for you. Otherwise, their TCF Free Checking Account is quite good, with the following features:

11. First Convenience Bank

       First National Bank Texas

first convenience

They are regional bank based in Texas with services available in the states of Arizona, New Mexico, and Texas. Since they do not bother with ChexSystems, EWS or any other databases, if you have bank related troubles, they may be a great option. Though they are restricted to the three southern states, they have over 300 branches all across the region. There is an online application option, but the account does come with some minor restrictions:

  • Minimum daily balance of $100, failing which $12 monthly fees
  • Direct deposit of $100 can also be made monthly to avoid fees
  • New account with just a $1 balance available

12. Washington Savings Bank

Washington Savings Bank

They are Lowell, Massachusetts, based bank with over 120 years of operational history. This might be a good option if you have banking related troubles and stay in the state of Massachusetts. They only have two branches, one in Lowell and another in Dracut, MA. Despite being such a small bank, they do check your ChexSystems score.

But as long as you have no criminal history, or fraud related activities, and do not owe the system more than $2000, you can get their Online Rewards Checking Account. But you do need a direct source of deposit, either from your employer, or any government source. The account comes with:

  • Free debit card with free access to Allpoint ATM locations
  • Checkbook
  • Ability to convert to a regular account after a year of positive account history

13. Fifth Third Bank

fifth third bank

They are a mid-sized regional bank with operations in eleven states, and headquarters in Cincinnati, Ohio. This is a bank without Chexsystem for their Express Banking service. They may be a good source for quick access to banking if you are a resident in any of the following states- Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, North Carolina, Ohio, Tennessee, and Wyoming.The service comes with the following features and benefits:

  • Discounted fees for select services up to 50%
  • Check cashing and deposit at own branch locations
  • Mobile banking and online services
  • Debit cardWestern union money transfer, cashiers checks and many more features

14. Corporate America Family Credit Union

This regional credit union offers a Fresh Start Checking account for people who are prevented from gaining access to banking due to poor ChexSystems scores. If you live in any of the 12 states mentioned here, this credit union might be a good option. Their branches are active in Texas, Arizona, California, Connecticut, Georgia, Kansas, North Carolina, Ohio, Pennsylvania, and Virginia. 

All you need to do to gain access to their checking account is to join their credit union, and deposit and maintain a minimum balance of $100. They do charge a monthly fee of $10 for their services.

15. Unify Financial Credit Union

They are a large credit union with a history stretching back to the 1940s. They have a nationwide presence, with branches in 16 states, including Alabama, Arkansas, Arizona, California, Colorado, Indiana, Kentucky, Michigan, Missouri, New Jersey, Nevada, Tennessee, Texas, Utah, Virginia, and West Virginia. If you want a fresh start in banking, without ChexSystems, they offer the Right Start Checking Account service. They are one of the biggest non ChexSystems credit unions. You can start building a positive bank history, with the following features:

  • Free access to online banking and mobile banking
  • $25 deposit with zero minimum balance requirements
  • Overdraft protection up to $250

What Big Banks Use (Or Don't Use) Chexsystems?

Does Bank of America use Chexsystems?

Does Chase use Chexsystems?

Does Wells Fargo use Chexsystems?

Does Citibank use Chexsystems?

Does US Bancorp use Chexsystems?

Does BNY Mellon use Chexsystems?

Does BNY Mellon use Chexsystems?

Does HSBC use Chexsystems?

Does PNC Bank use Chexsystems?

Does Capital One use Chexsystems?

Does TD Bank use Chexsystems?


Lacking access to banking can have a devastating effect on your finances.  But you don't have to let a poor ChexSystems score block your access to essential banking services. Wherever you are in the US, there are always affordable and lenient banking services available near you.

So, getting a checking account while on chexsystems is not that hard. All you need to do is look for banks that don't use early warning services. This article should have adequately answered your question: "what banks don t use chexsystems?"

We really hope this list will give you options to start rebuilding your banking records for a more prosperous financial future. Thanks for visiting, and all the best!

Check out the BBVA Compass Free Checking Account! It's the best alternative to access to a REGULAR bank account. And the best part, you can apply online!

If you don't qualify for this one, you still have the opportunity to open the BBVA Compass Easy Checking Account, another good alternative for those with banking problems....