Find a Non ChexSystems Checking Account Today

If you were recently denied a bank account, the bank may have told you it was based on a negative ChexSystems report. And since a huge portion of banks and credit unions use ChexSystems, it’s not like you can walk across the street and open a checking account at another bank.

Luckily, there are banks that do not use ChexSystems. These Non ChexSystems Banks offer you a way back into banking and they offer all the services you need and deserve with acceptance rates that are surprisingly high. So if you’ve ever searched for non ChexSystems banks near me, you’ve come to the right place.

In fact, many of these non ChexSystems checking accounts require no opening deposit and offer an almost guaranteed checking account approval. Best of all, you can open an account today.

Best Non ChexSystems Banks for June 2023

1. Chime | Our Top Pick

Chime® is our top choice among non ChexSystems banks. Chime accepts almost all customers who apply, even if you have bad or poor credit or have been blacklisted by ChexSystems or the credit bureaus.

Chime at a Glance

• NO credit check or ChexSystems
• NO initial deposit required
• NO minimum balance required
• NO monthly or annual fees
• NO NSF/overdraft fees¹
• NO foreign transaction fees
• NO fees at over 60,000 ATMs²
• NO fees for mobile and online bill pay
• FREE cash deposits at 8,500+ Walgreens
• Get your paycheck up to 2 days early with direct deposit³
• FDIC insured account up to $250,000

Deposit Cash for FREE at Over 8,500 Walgreens

Chime has made depositing cash easy. All you have to do is go into a Walgreens store, hand the cashier the cash you want to deposit along with your Chime card, and the deposit will show up in your account immediately. This offers Chime members more walk-in locations than any other bank in the U.S.⁴

Instantly Transfer Funds

You can transfer funds to friends and family, Chime members or not… and they can claim their money instantly⁵ without any additional apps.

The Chime app also has a series of notifications that you can turn on or turn off so you stay in complete control. Misplaced or lost your card? You can instantaneously turn off your card using the app. No wonder over 300,000 customers have given the app a 5-star review.

Savings Made Easy

Chime was one of the first to offer a “round up” option. If you use your Chime card on a purchase of $10.65, Chime gives you the option of automatically rounding up to $11.00 and putting the remaining $.35 in your free Chime savings account. And that adds up over time! Plus, Chime pays 2.00% Annual Percentage Yield (APY)⁶ in interest on that savings account.

Customers First

If you use direct deposit with your Chime account, you can get your paycheck up to 2 days early⁷. And Chime is just saying no to big bank NSF charges with a fee-free overdraft program up to $200.

We don’t think there is another company innovating for their customers like Chime.

Get a Chime Account Today!
Chime is a financial technology company, not a bank. Banking services and debit card issued by The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC. See additional disclaimers below.

2. Lili | Quick Approval Small Business Banking

Lili was custom made for freelancers and independent contractors who are operating as sole proprietors and single member LLCs and we really like their offering. Lili aims to approve most accounts within 2-3 days, but some accounts are approved in 2-3 hours.

Lili offers a checking account and Visa debit card with no opening deposit or minimum balance requirement, no hidden fees, no credit check, and no ChexSystems. Lili makes getting your account easy!

Lili at a Glance

• FREE business VISA debit card
• FREE (and very user-friendly) mobile app
• NO minimum balance
• NO NSF charges or fees
• NO credit check or ChexSystems
• Receive direct deposit funds 2 days earlier than many banks
• Mobile check deposit
• Unlimited fee-free transactions
• Takes 3 minutes to apply

Application Process

You can set up an account online. If you’re a freelancer, you should receive approval and account access almost instantly. All others (Sole Proprietor, Single-Member LLC, Multi-Member LLC, General Partnership, Limited Liability Partnership, or S Corp) can take a couple of days to get approved. You can fund your account using a mobile check deposit, direct deposit, ACH transfer, or by linking your Venmo, PayPal, or Cash App account.

Open an account today!

3. U.S. Bank | Earn Up To $400 Cash Bonus

U.S. Bank is the fifth largest bank in the country with the majority of its 2,000+ branches located in 26 states mostly located in the west and midwest. Their new Bank Smartly® Checking account offers a cash bonus up to $400 and comes with some great features.

U.S. Bank Smartly at a Glance

• A U.S. Bank Visa debit card
• Online banking and bill pay
• Mobile banking with mobile check deposit
• Send money with Zelle®
• Access to U.S. Bank Smart Rewards™ to reap additional benefits
• No NSF charges for overdraft balances under $50
• No ATM fees at U.S. Bank ATMs
• No surcharge fees at 40,000 MoneyPass ATMs
• Member FDIC

Account Details and Costs

If you live in one of the following 26 states where this account is available, you can apply online: AR, AZ, CA, CO, IA, ID, IL, IN, KS, KY, MN, MO, MT, NC, ND, NE, NM, NV, OH, OR, SD, TN, UT, WA, WI, WY.

To get an account, you’ll need to make an opening deposit of $25. The monthly service fee is $6.95 but can be waived if you maintain a minimum balance of $1,500 or by having a minimum monthly direct deposit of $1,000. You can also avoid the monthly fee if you are 24 and under, 65 and over, or a member of the military.

You can earn up to $400 when you open a new U.S. Bank Smartly Checking account and a Standard Savings account and complete qualifying activities. The offer is subject to certain terms and limitations and is valid through June 20, 2023.

Banking Made Easy

The U.S. Bank Smartly Checking account comes with one of the best mobile apps on the market. Over one million customers have given the app an overall rating of five stars. You can manage your entire account from a computer or your smartphone.

U.S. Bank repeatedly makes the list of one of the best banks in the country.

Open an account today!

4. SoFi Checking & Savings | Earn a $275 Welcome Bonus

The SoFi Checking & Savings account is offered by SoFi Bank. It’s a checking AND savings account on steroids and we love that. Plus, they don’t use ChexSystems to approve accounts. This makes it a strong contender for one of the best non ChexSystems banks.

SoFi at a Glance

• No account fees
• No minimum balance
• No overdraft fees
• No fees at over 55,000 ATMs
• Access to SoFi member benefits like career coaching and financial advising
• Automated bill pay
• Freeze debit card on-the-go

Managing Your Money Made Easy

You get a debit MasterCard and a smartphone app. You can make deposits, write checks, utilize electronic bill pay, and transfer money. You don’t need to make an opening deposit to get an account and SoFi never charges monthly maintenance fees. You’ll have access to a large and fee-free ATM network along with a generous cashback program.

Using the SoFi direct deposit option unlocks additional benefits. First, if you overspend a bit, SoFi will cover up to $50 with no overdraft fees. Second, you’ll receive a much higher interest amount of 4.20% APY on savings account balances and 2.50% APY on checking account balances. If you decide not to utilize direct deposit, you’ll receive 1.20% APY.

Making Money Made Easy

The $275 bonus comes in two parts. When you deposit at least $10, SoFi will credit your account $25. When you set up direct deposit from an employer, SoFi will credit your account up to $250 (depending on the amount of your direct deposit) and bump the interest rate you earn to 4.20% APY. The bonus and interest rate are some of the highest we’ve seen.

With over 5.2 million members, SoFi is a bank you can count on!

SoFi has been great! The account was easy to open and I got my debit card a few days later. The smartphone app is easy to use and I can check everything from my computer, too. I’ve had some issues with ChexSystems in the past and SoFi seems to be the perfect bank.

Kevin M., SoFi Customer

Get a SoFi Account Now!

5. Chase Secure Banking^SM | $100 New Account Bonus

Most people know Chase and with over 16,000 ATMs and 4,700 branches across the country, the Chase Secure Banking account might be a good fit for a second chance bank account.

Chase Secure Banking at a Glance

• NO credit check
• NO ChexSystems
• NO minimum deposit to open
• NO overdraft fees
• FREE access to over 16,000 Chase ATMs
• FREE Chase Online Bill Pay
• FREE money orders and cashier’s checks

Important: What to Know About the Approval Process

Opening the Chase Secure Banking account has some important qualifiers. First, Chase verifies your name, address, and social security through Experian, but doesn’t pull a credit report or credit score. Chase doesn’t use ChexSystems for this account, but the bank does use Early Warning Services (EWS). Additionally, if you’ve had an account closed by Chase in the past, your application will not be approved. Past account closures can include missteps such as non-payment of fees, excessive overdrafts, or suspected fraud.

Finally, Chase gives you the opportunity to open your new account online or by taking a printable coupon to a branch location. We strongly recommend you apply online as branch locations have been known to use ChexSystems during the approval process.

Fees

Chase doesn’t offer overdraft services with this account as you can only spend the money you have available and the account does not include paper checks. You should also know that using non-Chase ATMs can cost from $3.00 to $5.00 per transaction.

Chase Secure Banking carries a $4.95 monthly service fee that cannot be waived. But combined with all the free services and the $100 cash bonus when you use the card for 10 purchases within 60 days, the monthly fee doesn’t pose a problem for most customers.

If you’ve wanted to bank with Chase and wondered if you’d qualify, we think you’re going to be really happy with the Chase Secure Banking account.

Get a Chase Secure Banking account today!

The Best Non ChexSystems Banks Near Me

If you prefer to bank locally, there can be some solid options. While most major banks aren’t non ChexSystems banks, many community banks and credit unions offer checking accounts that can work for anyone with a ChexSystems history.

The majority of these banks and credit unions offer second chance checking accounts that go by various names, such as “Right Start Checking” and “Fresh Start Checking.” Other banks and credit unions are local options where the institution does not use ChexSystems in the account approval process.

Alabama

• Cadence Bank – My Way Checking
• BankPlus – CreditPlus Checking
• Commonwealth National Bank – Fresh Start Checking
• Jefferson Financial Federal Credit Union – Second Chance Checking
• West Alabama Bank – Fresh Start Checking
• See the full list >>

Alaska

• MAC Federal Credit Union – eChecking
• Matanuska Valley Federal Credit Union – Share Draft Account
• Northrim Bank – Simple Checking
• Spirit of Alaska Federal Credit Union – E-Z Checking
• True North Federal Credit Union – True Options Checking
• See the full list >>

Arizona

• Banner Federal Credit Union – Opportunity Checking
• BOK Financial – Opportunity Banking
• Copper State Credit Union – Try Again Checking
• MariSol Federal Credit Union – Start Again Checking
• UNIFY Financial Credit Union – Right Start Checking
• See the full list >>

Arkansas

• Bank OZK – Pathway Checking
• Centennial Bank – Opportunity 100 Checking
• Focus Bank – Fresh Start Checking
• River Valley Community Federal Credit Union – Fresh Start Checking
• US Bank – Safe Debit Account
• See the full list >>

California

• California Community Credit Union – New Beginnings Checking
• Excite Credit Union – Fresh Start Checking
• OneUnited Bank – U2 E-Checking
• Union Bank – Bank Freely Checking
• Upward Credit Union – Renew Checking
• See the full list >>

Colorado

• 5Star Bank – E-Checking
• NuVista Federal Credit Union – Last Chance Checking
• UNIFY Financial Credit Union – Right Start Checking
• US Bank – Safe Debit Account
• White Crown Credit Union – Free Checking
• See the full list >>

Connecticut

• Community Credit Union of New Milford – Share Draft Checking
• Eastern Connecticut Savings Bank – Restart Checking
• FineX Credit Union – Re-Start Checking
• New Haven Bank – Second Chance Checking
• Webster Bank – Opportunity Checking
• See the full list >>

Delaware

• Del-One Credit Union – Rewards Checking
• FSNB (Fort Sill National Bank) – Basic Checking
• See the full list >>

District of Columbia

• Healthcare Systems Federal Credit Union – Renew Checking
• Library of Congress Federal Credit Union – Free Checking
• Transit Employees Federal Credit Union – Fresh Start Account
• United Bank – United Free Checking
• See the full list >>

Florida

• Axiom Bank – Opportunity Checking
• Centennial Bank – Opportunity 100 Checking
• Coral Community Federal Credit Union – Lifesaver Checking
• McCoy Federal Credit Union – Fresh Start Checking
• San Antonio Citizens Federal Credit Union – Checking Rebuilder
• See the full list >>

Georgia

• Bank OZK – Pathway Checking
• Georgia’s Own Credit Union – Resolution Checking
• Health Center Credit Union – Fresh Start Checking
• MyGeorgia Credit Union – Secured Checking
• Peach State Federal Credit Union – Fresh Start Checking
• See the full list >>

Hawaii

• CU Hawaii Federal Credit Union – Checking Account
• Gather Federal Credit Union – Share Draft Checking
• Hawaii Community Federal Credit Union – Check Advantage
• Hawaii USA Federal Credit Union – MyChance Checking
• HomeStreet Bank – Free Checking
• See the full list >>

Idaho

• Cottonwood Community Federal Credit Union – Share Draft Checking
• Horizon Credit Union – Replenish Checking
• Idaho Central Credit Union – Free Checking
• Latah Federal Credit Union – Second Chance Checking
• Mountain West Bank – Totally Free Checking
• See the full list >>

Illinois

• Banterra Bank – Banterra Restart Checking
• Fifth Third Bank – Momentum Checking
• First American Bank – Fresh Start Checking
• Marquette Bank – ReStart Checking
• Staley Credit Union – Renew Checking
• See the full list >>

Indiana

• 3Rivers Federal Credit Union – Onward Checking
• Centra Credit Union – Opportunity Checking
• First Financial Bank – NoWorry Checking
• Horizon Bank – Fresh Start Checking
• United Fidelity Bank – New Day Checking
• See the full list >>

Iowa

• Greater Iowa Credit Union – Fresh Start Checking
• Great Southern Bank – Second Chance Checking
• Marine Credit Union – Credit Builder Checking
• North Iowa Community Credit Union – Fresh Start Debit
• US Bank – Safe Debit Account
• See the full list >>

Kansas

• Central National Bank – New Opportunity Checking
• Community Bank & Trust – Absolutely Free Checking
• Heartland Credit Union – Renew Checking
• United Consumers Credit Union – Second Chance Checking
• Unity One Credit Union – Clean Start Checking
• See the full list >>

Kentucky

• Appalachian Community Federal Credit Union – Fresh Start Checking
• Cecilian Bank – Choice Opportunity Checking
• MidWest America Federal Credit Union – Freedom Checking
• South Central Bank – Green Tree Renew Checking
• Woodforest National Bank – Second Chance Checking
• See the full list >>

Louisiana

• Alive Credit Union – Fresh Start Checking
• Barksdale Federal Credit Union – Fresh Start Checking
• Jefferson Financial Federal Credit Union – Second Chance Checking
• Louisiana Federal Credit Union – Reboot Checking
• Woodforest National Bank – Second Chance Checking
• See the full list >>

Maine

• Five County Credit Union – Second Chance Checking
• Midcoast Federal Credit Union – Compass Checking
• New Dimensions Federal Credit Union – Basic Checking
• Saco Valley Credit Union – Free Checking
• Town & Country Federal Credit Union – Better Checking
• See the full list >>

Maryland

• Central Credit Union of Maryland – Renew Checking
• Clear Mountain Bank – StartFresh Banking
• Market USA Federal Credit Union – Fresh Start Checking
• Security Plus Federal Credit Union – Revive Checking
• Woodforest National Bank – Second Chance Checking
• See the full list >>

Massachusetts

• Alden Credit Union – No Boundaries Checking
• Bellwether Community Credit Union – Live Free Checking
• OneUnited Bank – U2 E-Checking
• US Alliance Financial – MyLife Checking
• Webster Bank – Opportunity Checking
• See the full list >>

Michigan

• Birmingham Bloomfield Credit Union – New Beginnings Checking
• Fifth Third Bank – Momentum Checking
• Intandem Credit Union – Fresh Start Checking
• Michigan State University Federal Credit Union – Rebuild Checking
• United Financial Credit Union – Fresh Start Checking
• See the full list >>

Minnesota

• Marine Credit Union – Credit Builder Checking
• MBT Bank – GoEasy Checking
• Minnesota Valley Federal Credit Union – Second Chance Checking
• Unity One Credit Union – Clean Start Checking
• WESTconsin Credit Union – Foundations Checking
• See the full list >>

Mississippi

• Cadence Bank – My Way Checking
• Gulf Coast Community Federal Credit Union – New Chance Checking
• Liberty Federal Credit Union – Opportunity Checking
• The First Bank – First AID Checking
• UNIFY Financial Credit Union – Right Start Checking
• See the full list >>

Missouri

• Columbia Credit Union – Fresh-Start Checking
• Concordia Bank – Second Chance Checking
• First State Community Bank – New Opportunity Checking
• Great Southern Bank – Second Chance Checking
• Wood & Huston Bank – StartFresh Checking
• See the full list >>

Montana

• Clearwater Credit Union – SmartSpend Checking
• First Security Bank – Totally Free Checking
• Garfield County Bank – Pay Less Checking
• Rocky Mountain Credit Union – Fresh Start Checking
• US Bank – Safe Debit Account
• See the full list >>

Nebraska

• Clark County Credit Union – CheckAgain
• Nevada State Bank – OnBudget Checking
• UNIFY Financial Credit Union – Right Start Checking
• US Bank – Safe Debit Account
• WestStar Credit Union – Fresh Start Checking
• See the full list >>

Nevada

• Clark County Credit Union – CheckAgain
• Nevada State Bank – OnBudget Banking
• UNIFY Financial Credit Union – Right Start Checking
• US Bank – Safe Debit Account
• WestStar Credit Union – Fresh Start Checking
• See the full list >>

New Hampshire

• Bellwether Community Credit Union – Live Free Checking
• GFA Federal Credit Union – Second Chance Checking
• Members First Credit Union – Everyday Checking
• See the full list >>

New Jersey

• Atlantic Federal Credit Union – Take 2 Checking
• Credit Union of New Jersey – Right Turn Checking
• Jersey Shore Federal Credit Union – Fresh Start Checking
• M&T Bank – My Way Banking
• UNIFY Financial Credit Union – Right Start Checking
• See the full list >>

New Mexico

• First American Community Credit Union – Second Chance Checking
• Guadalupe Credit Union – Second Chance Debit
• Lea County State Bank – Opportunity Checking
• US Bank – Safe Debit Account
• US Eagle Federal Credit Union – FlexChecking
• See the full list >>

New York

• Adirondack Regional Federal Credit Union – New Beginnings Checking
• Bank OZK – Pathway Checking
• Fulton Savings Bank – New Opportunity Checking
• Webster Bank – Opportunity Checking
• Woodforest National Bank – Second Chance Checking
• See the full list >>

North Carolina

• Bank OZK – Pathway Checking
• Excite Credit Union – Fresh Start Checking
• Fifth Third Bank – Momentum Checking
• North Carolina Community Federal Credit Union – FreshStart Checking
• SouthState Bank – Direct Checking
• See the full list >>

North Dakota

• American Federal Bank – American Free Checking
• Gate City Bank – Totally FREE Checking
• Hometown Credit Union – Share Draft Checking
• US Bank – Safe Debit Account
• Western State Bank – Free Checking
• See the full list >>

Ohio

• Buckeye State Credit Union – Second-Chance Checking
• Cardinal Credit Union – Second Chance Checking
• Eaton Family Credit Union – Second Chance Checking
• First Federal Bank of Ohio – Thrifty Checking
• LCNB National Bank – Second Chance Checking
• See the full list >>

Oklahoma

• Allegiance Credit Union – Second Chance Checking
• Citizens Bank of Edmond – Fresh Start Checking
• Focus Federal Credit Union – Fresh Start Checking
• TTCU Federal Credit Union – Fresh Start Checking
• Weokie Federal Credit Union – Fresh Start Checking
• See the full list >>

Oregon

• Consolidated Community Credit Union – Simple Checking
• HomeStreet Bank – Free Checking
• Point West Credit Union – Fresh Start Checking
• Union Bank – Bank Freely Checking
• US Bank – Safe Debit Account
• See the full list >>

Pennsylvania

• Juniata Valley Bank – Fresh Start Banking
• Market USA Federal Credit Union – Fresh Start Checking
• Parkview Community Federal Credit Union – Fresh Start Checking
• UNIFY Financial Credit Union – Right Start Checking
• West Branch Valley Federal Credit Union – Back on Track Checking
• See the full list >>

Rhode Island

• Rhode Island Credit Union – Basic Checking
• Rockland Trust – Free Checking
• Webster Bank – Opportunity Checking
• See the full list >>

South Carolina

• Caro Federal Credit Union – Rebound Checking
• Carolina Foothills Federal Credit Union – Refresh Checking
• Carver State Bank – Second Chance Checking
• HopeSouth Federal Credit Union – Fresh Start Checking
• Skyla Credit Union – Fresh Start Checking
• See the full list >>

South Dakota

• Dakota Plains Federal Credit Union – Share Draft Checking
• Farmers and Merchants State Bank – Regular Checking
• First Dakota National Bank – FREE Checking
• US Bank – Safe Debit Account
• See the full list >>

Tennessee

• Cadence Bank – My Way Checking
• First National Bank – On Us Account
• Greater Eastern Credit Union – Fresh Start Checking
• Market USA Federal Credit Union – Fresh Start Checking
• The Tennessee Credit Union – Restart Checking
• See the full list >>

Texas

• 4U Credit Union – Fresh Start Checking
• Associated Credit Union of Texas – 180 Checking
• Beacon Federal Credit Union – Second Chance Checking
• First Service Credit Union – Fresh Start Checking
• Premier America Credit Union – Fresh Start Checking
• See the full list >>

Utah

• American United Federal Credit Union – Fresh Start Checking
• Cyprus Credit Union – Fresh Start Checking
• Desert Rivers Credit Union – Free Checking
• UNIFY Financial Credit Union – Right Start Checking
• US Bank – Safe Debit Account
• See the full list >>

Vermont

• White River Credit Union – Share Draft Checking
• See the full list >>

Virginia

• Appalachian Community Federal Credit Union – Fresh Start Checking
• Central Virginia Federal Credit Union – Fresh Start Checking
• Credit Union of Richmond – Second Chance Checking
• Select Seven Credit Union – Second Chance Checking
• Virginia Credit Union – Encore Checking
• See the full list >>

Washington

• American Lake Credit Union – Compass Checking
• MountainCrest Credit Union – Fresh Start Checking
• Union Bank – Bank Freely Checking
• US Bank – Safe Debit Account
• Wheatland Bank – Free-Range Checking
• See the full list >>

West Virginia

• Clear Mountain Bank – StartFresh Banking
• First Exchange Bank – Take 2 Checking
• Market USA Federal Credit Union – Fresh Start Checking
• UNIFY Financial Credit Union – Right Start Checking
• West Virginia Federal Credit Union – Fresh Start Checking
• See the full list >>

Wisconsin

• Crossbridge Community Bank – Fresh Start Checking
• Dane County Credit Union – Relationship Builder Checking
• First American Bank – Fresh Start Checking
• Tomahawk Community Bank – Fresh Start Checking
• UW Credit Union – Encore Account
• See the full list >>

Wyoming

• Pelican State Credit Union – Second-Chance Checking
• US Bank – Safe Debit Account
• Valley Credit Union – Opportunity Checking
• WyHy Federal Credit Union – Second Chance Checking
• WYO Central Federal Credit Union – 2nd Chance Checking
• See the full list >>

What Is ChexSystems?

Never heard of ChexSystems before today? Don’t worry. You’re not alone. In fact, most people have no idea that the company exists unless they try to open a bank account and find out they’ve been blacklisted by ChexSystems.

Briefly, ChexSystems is a consumer reporting agency (CRA) that tracks your checking and savings account activity.

Essentially, ChexSystems gathers data from almost 90% of banks and credit unions. This data includes personal information such as name and social security on over 300 million checking and savings accounts in the United States.

ChexSystems is in the same category as the large Credit Reporting Agencies (CRAs) such as Experian, TransUnion, and Equifax and their handling of all this highly sensitive data falls under government oversight and regulation.

If your bank reports that you bounced too many checks, not paid your monthly or transaction fees, or even committed fraud, your ChexSystems profile may spell trouble.

Not only may your current bank no longer want to do business, but now every bank and credit union that subscribes to the ChexSystems database will probably deny you an account.

It’s important to note ChexSystems is not responsible for the decision made by banks to deny you a bank account; however, the information reported by banks and credit unions and stored by ChexSystems can result in a denial of a bank account.

Information That Appears on Your ChexSystems Report

The following information may be stored in your ChexSystems report:

• Any type of fraud
• Unpaid or paid insufficient fund items
• Uncollected overdrafts, automatic payments the bank paid, or ATM transactions
• Violations of any banking regulations or rules
• Abuse of a savings account, debit card, or ATM card
• Opening an account using incorrect information

Some non ChexSystems banks do access other types of record-keeping companies such as Early Warning Services and TeleCheck. So if you have negative marks with these companies, you might be rejected for a checking account. However, it’s been our experience that most people in ChexSystems are not in EWS or TeleCheck.

Differences Between Second Chance Banks and Non ChexSystems Banks

A lot of people are under the impression that non ChexSystems banks are the exact same as second chance banks. These two terms are often used to describe the same thing, but there are differences between the two that you should be aware of.

If you are listed with ChexSystems and do not have the time or ability to dispute the negative information, it’s important to select a bank that does not use ChexSystems to make decisions during the screening process for getting a checking account.

When you choose a bank with second chance checking accounts, they typically do look at ChexSystems before you are approved. This doesn’t mean you need to be discouraged or avoid opening an account with them, though. In most cases, there are less requirements for approval and the bank will open a checking account for you as long as you don’t owe them any money.

Both non ChexSystems banks and second chance banks typically have higher than normal approval rates. Some even offer guaranteed checking account approval! On top of that, the best-of-breed of these financial institutions provides you with the same options you would get from a traditional savings account or checking account.

Choosing Between Prepaid Cards and Payday Loans or Non ChexSystems Banks

If you care about convenience and you want to save your money for the things that matter, the best choice you can make is opening the right non ChexSystems bank account. When you choose to visit a check-cashing business, use a prepaid debit card, or visit a payday loan location, the fees are going to be higher and the process is going to be more complicated and time-consuming.

As an example, a payday lender is going to have a variety of fees that you have to pay. Even those who make all of their payments on time will have to deal with these. Those who get behind will stack fees and end up wasting even more money. Experts agree that these kinds of services are horrible for customers and should be avoided whenever possible.

When you look at the advantages and disadvantages of the options, it’s pretty clear which solution comes out on top. Choosing to open accounts at non ChexSystems banks with an included debit card is the best choice for nearly all consumers. This option gives you consumer protections with your cards, lets you move money into your account without expensive fees, and lets you spend your money however you feel fit.

Ready for Your Second Chance?

If you’ve experienced issues with bad credit, checking account issues, or bounced checks, CheckingExpert can help you get back on track toward a healthy financial future. Our goal is to guide you through the complex financial roadmap to find the banks or credit unions that can best meet your needs.

The vast majority of the time, you can get a bank account with ALL the features and benefits you need with no fees, minimums, or restrictions. Best of all, many of these banks boast a guaranteed checking account approval! So if you’ve ever wondered “what are the best non ChexSystems banks near me?” we hope we’ve answered your question.