It can seem hopeless when you have been issued a negative score from ChexSystems. It makes getting a checking account incredibly challenging if not impossible. Fortunately, we have done the legwork for you by maintaining a list of banks which DO NOT use ChexSystems.
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BBVA Online Checking
Available in all states except Alaska and Hawaii. The BBVA Online Checking Account is our hands-down winner for the best checking account. Unknown to some, BBVA is owned by a multi-billion dollar international bank and has won several awards for their leading products and online services. They are a fully insured FDIC member. Features include mobile deposits, direct deposit, online bill payment, and NO monthly or annual fees. Setting up an account is almost too easy and the smartphone app tools are the best we’ve reviewed. Here are a few of the highlights:
- FREE Visa® debit card you can personalize with your favorite photo
- NO monthly service charge
- Complimentary online banking and mobile banking, bill pay and online statements
- 24/7 customer support
- NO fees at over 64,000 ATMs nationwide (includes BBVA and Allpoint® locations)
- You can apply with only a $25 opening deposit
Applying is simple. The BBVA website is simple and easy to interact with. As stated above, there is a $25 minimum deposit required to open an account and once that deposit clears, you’ll be off and running. Hands down, BBVA is one of the most friendly banks for those who need a second chance at a checking account. The entire process from start to finish takes about 3 minutes.
For anyone interested, I signed up for a BBVA Bank checking account. I have been using the new checking account, debit card, online website, direct deposit, and customer service for over a month now. I have to say I am genuinely impressed with everything they have done with me and my account.
So far it seems like the ideal bank.
B. Lewis, BBVA Customer
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Getting Started Is Easy
Apply and make an initial deposit.
It takes about 3 minutes to sign up. You’ll need to make an initial deposit of $25 to get started. Deposit funds through direct deposit, transfer funds from another account, or deposit directly to BBVA.
Get your Visa card in the mail and set up your online banking account.
You’ll receive your ClearConnect Visa card in the mail in 5–7 business days. Then download the BBVA App and set up your account. Managing your account on your phone or computer has never been easier.
Use your ClearConnect Visa and checking account for all your day-to-day spending. You’ll have total control over your funds and can transfer money, pay bills and withdraw cash. And you can set alerts on the BBVA mobile app to carefully monitor your money.
Managing Your Money Is Easy With The Award-Winning Banking App.
It’s all right on your phone. The BBVA Mobile App allows you to manage your account 24/7, no matter where you are. No wonder Money Magazine named it the Best Mobile Banking App.
Best No-ChexSystems Banks of 2019
Chime is an online-only consumer bank that offers checking accounts without ChexSystems credit checks. While Chime is a simple solution for online banking, it takes less than two minutes to sign up.
- Receive Paycheck 2 Days Earlier
- No Monthly Fees
- $0 Required Minimum Balance
- No Hidden, Overdraft, or Foreign Transaction Fees.
- 38,000 Fee-Free MoneyPass® ATMs
- Mobile Daily and Balance Notifications
- Automatic Savings Programs
- Chime Visa® Debit Card
Chime offers one of the fastest-growing bank accounts in America that doesn’t use ChexSystems. The entire process is simple and sleek with its mobile banking app that offers real-time notifications 24/7. Direct deposit can allow for paychecks to be spendable 2 days earlier than other banks. Chime does a great job at keeping all fees transparent, by letting everyone know that they don’t charge hidden fees. This includes overdraft fees, minimum balance fees, monthly service fees, and even foreign transaction fees.
Open a Chime Bank account today!
USAA is a No-ChexSystems bank, however they do use EWS. USAA primarily serves the military but non-military may be eligible too. Former military members (retired or veteran) which includes the Guard or Reserves are eligible. Non-military can join if a spouse has honorably served or if a parent currently has or had a USAA account. USAA is a great full-service bank offering products from credit cards for rebuild credit to renter’s insurance. USAA free checking offers ATM reimbursement, mobile deposits and check deposits at your local UPS Store. The minimum to open an account is $25. See if you are eligible.
Navy Federal does not use ChexSystems or EWS to open a bank account but there are strict requirements to become a member. Membership is open if you are affiliated with the Armed Forces, DoD, Coast Guard or National Guard. This includes Army, Marine Corps, Navy, Air Force, and Coast Guard regular Active Duty and reservists, and Army and Air National Guard personnel. Active duty and Retired military are eligible but unfortunately Veterans are not. DoD civilian employees and contractors assigned to U.S. Government Installations may be eligible.
GoBank is a mobile checking account that’s used mainly through a smartphone app. Owned by Green Dot Bank, GoBank doesn’t use ChexSystems or bad credit to deny accounts, so it’s an option for consumers with a spotty banking history. Overdrafts aren’t allowed, and many essential features are free, including a large ATM network, bill pay and mobile tools. If you have bad credit or a ChexSystems record and you like banking on your smartphone, GoBank might be a good option. Anyone who passes ID verification can open an account, even if he or she has had trouble qualifying for a traditional bank account in the past. You’ll need to follow GoBank’s rules carefully, though, to avoid hefty fees for other services.