Chexsystems Information

Online Checking Accounts that do not use ChexSystems

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Why Choose an Online Bank.

First – these banks DO NOT use ChexSystems! Plus, online banking is gaining in popularity — It is convenient, hassle-free and safe. Not having a bank account is costly. You need a place to deposit or cash checks, pay bills and save money. In addition, most banks offer financial products that prepaid debit accounts do not, like mortgage or auto loans, lines of credit, credit cards and investment products. Open an online checking or savings account that does not use ChexSystems.

BBVA Compass ClearChoice Checking

BBVA Compass uses EWS. They do not run ChexSystems. If you are not eligible for the ClearChoice Free Checking account you will be offered the Second Chance account called Easy Checking Account but it comes with a $13.95 monthly fee and is only available in AL, AZ, CA, CO, FL, NM, TX. Easy Checking is the account offered when you need to get your finances on track. DO NOT apply for this account if you have an EWS record, it may be closed a few weeks later. The Easy Checking Account comes with free online and mobile banking, bill pay and a Visa debit card. There is a $25 minimum deposit required to open the account.

Account Features:

    • Mobile Check Deposits
    • Direct Deposit
    • Free Bill Pay
    • Visa® Debit Card
    • Free BBVA Compass ATMs

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BBVA NBA Checking Account

All other residents can apply online for the NBA Checking Account available in all States. Show support for your NBA team with a Visa debit card displaying your favorite team. There is no monthly fee plus you get mobile check deposits, bill pay and check writing. If you are not eligible you will be offered the Second Chance Checking Account with the same features including a Visa debit card but there is a $13.95 monthly fee. The second chance account is offered when you need to rebuild credit and get your finances on track. Choose the NBA Team for your debit card first, then continue with the online application. Features include online banking, mobile check deposits, bill pay and check writing. Get started today!

Account Features:

      • Mobile Check Deposits
      • Direct Deposit
      • Free Bill Pay
      • Visa® Debit Card
      • Free BBVA Compass ATMs

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Discover Online Savings Account

ANYONE can get this account. The Discover Bank Online Savings Account does not use ChexSystems or EWS. Benefits of the Discover Online Savings Account are outstanding including earning 0.95% APY. This is a great yield rate compared to bigger banks like Chase and Bank of America that currently offer 0.01% APY. An initial deposit of $500 is required but you do not have to maintain the deposit. You can open the account but fund it up to 30 days later by mailing a money order, personal, cashier’s, payroll or government check. Discover Bank also offers a checking account but you must have a Discover Savings in order to apply.

Account Features:

      • No monthly fee
      • Mobile Deposits
      • Free Bill Pay
      • Direct Deposit
      • Earns 0.95% APY

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An online checking account may actually help consumers with a ChexSystems record as online management tools allow customers to see the full account details at any time. With instant alerts and updates it is easier to keep up with transactions and avoid mishaps that may land consumers in ChexSystems.

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