The Best No ChexSystems Banks. Guaranteed Approval.

CheckingExpert has helped thousands of people just like you open no ChexSystems and second chance banking accounts. We’ve selected the best accounts for 2019 based on acceptance rates, checking account features and benefits, and the accounts with the lowest fees. Best of all, you can open an account TODAY.

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Winner: Best No ChexSystems Bank of 2019

BBVA Online Checking

BBVA Online Checking is our favorite no ChexSystems bank account. They have the strongest offering of any of our recommendations. It’s easy to get approved and takes about 3 minutes. Plus, their smartphone app and online tools are the best we’ve reviewed.

  • NO credit check; Bad credit OK; No ChexSystems
  • NO monthly fees or service charges
  • NO monthly account balance minimums
  • NO fees at over 64,000 Allpoint® and BBVA ATMs worldwide
  • FREE online banking, bill pay, and mobile deposits
  • FREE unlimited check writing
  • Open with as little as $25
Get a BBVA account now!

Runner Up: Best No ChexSystems Bank of 2019

Chime Bank

Chime Bank is a fast-growing internet-only bank. Unlike big banks, Chime was created during the smartphone era and, therefore, features an app that is more than just a way for customers to review their bank accounts.

And, best of all, Chime Bank accepts all customers who apply. Even if you have bad or poor credit or have been blacklisted by ChexSystems or credit bureaus. It’s one of the only guaranteed checking accounts we’ve ever reviewed and is available in all 50 states. In our opinion, Chime is the only bank that comes close to BBVA.

  • FREE Visa® debit card
  • NO monthly fees or service charges
  • NO monthly minimums
  • FREE online banking and mobile banking/deposits
  • NO fees at over 38,000 MoneyPass® and Visa Plus Alliance ATMs worldwide
  • SAVINGS: You can round up every purchase to the nearest dollar and automatically deposit that difference into your savings account.
Open a Chime Bank account today!

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.

ConnecticutDelawareDistrict of Columbia
NebraskaNevadaNew Hampshire
New JerseyNew MexicoNew York
North CarolinaNorth DakotaOhio
Rhode IslandSouth CarolinaSouth Dakota
West VirginiaWisconsinWyoming