Chexsystems Information

Online Checking Accounts that do not use ChexSystems

Active family out for a hike.

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

Button1


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

Button1


BBVA Compass ClearChoice Money Market Account

ANYONE can open this account! BBVA Compass ClearChoice Money Market Account is a No-ChexSystems bank account. There are great features with the ClearChoice Money Market Account like mobile check deposits, direct deposit, bill payment and ATM banking at BBVA Compass ATMs. The account requires a deposit of $25. A money market account is like your basic savings account but typically pays higher APY (annual percentage yield) for larger deposits than a regular savings accounts. The more you deposit, the more you earn. The higher your balances, the greater your interest-earning possibilities.

Account Features:

      • $25 minimum opening deposit
      • Mobile Deposits
      • Free Bill Pay
      • ree BBVA Compass ATMs
      • Earn tiered interest rates to grow your money faster
      • Account can be funded by credit card, electronic transfer or check

Button1


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.

Advertiser Disclosure: RebuildCreditScores.com has financial relationships with some companies mentioned on this site, and may be compensated if consumers choose to apply for or purchase products via links in our content. However, whether or not we are compensated does not determine which products we mention or result in preferential treatment in our editorial pieces.

Copyright © 2016 Rebuild Credit Scores

To Top