If you recently applied for a checking account and were denied because of a negative banking history, you’re not alone. Approximately 85% of banks and credit unions use a company called ChexSystems when you apply for a new checking account. If you’ve been flagged by ChexSystems, getting a bank account can feel frustrating and unfair.
Most of the banks that don’t use ChexSystems are limited to a single state or small region, but the researchers at CheckingExpert.com have found one bank where those who have had problems with ChexSystems can get a checking account without any fees or charges while enjoying all services you need and deserve. Best of all, you can open an account TODAY.
Winner: Best No ChexSystems Bank of 2019
The Best Second Chance Banks by State
We’ve surveyed banks and credit unions throughout the country to find local, regional, or national financial institutions that offer “Second Chance Bank Accounts” or what some banks call Fresh Start Checking, Opportunity Checking, or New Start Checking.
Most of these institutions use ChexSystems or EWS, but are willing to look at opening these kinds of accounts on a case-by-case basis. Many times, they require a personal visit to a branch and may offer accounts that come with monthly fees or minimum balance requirements. While not as easy and as the BBVA Online Checking account, they do offer you an alternative.