No Chexsystems Banks: Open a New Account Today

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Open a bank account at a No ChexSystems Bank and can get approved even if you have a ChexSystems record. Living without a bank account is inconvenient and costly. Check cashing fees add up over time and not having a place to grow your money prohibits wealth building.

No Chexsystems banks do not use Chexsystems to open accounts but they may run a credit report, use EWS or Telecheck. A No Chexsystems bank may also have a Second Chance Account allowing consumers with Chexsystems records to open accounts.

No ChexSystems Banks in 2015

TD Ameritrade Cash Management Account
TD Ameritrade is a brokerage firm. They offer a Cash Management Account that can be used as a checking account. If qualified you will get a TD Ameritrade Visa debit card and unlimited check writing. There are no monthly fees, free nationwide ATM withdrawals, you can set-up direct deposit and online bill pay. The process is really simple. First open a brokerage account then once the brokerage account is open simply choose the option to open the Cash Management Checking Account — and that’s it! You have an instant checking account. There is no minimum deposit required to open the cash management checking account. As a new customer your account will be monitored so avoid overdrafts at all costs. Open a new account now.

Scottrade Bank
Scottrade is an online brokerage firm and they also operate a Bank. To open a Scottrade Bank account you must first open a Scottrade individual brokerage account. It takes about 10 minutes. Once the brokerage account is open you are eligible to apply for a Scottrade Bank account. Scottrade Bank does not use ChexSystems. Checking or Savings accounts can be opened with a $100 minimum deposit (a money order can be used for the deposit). You have 60 calendar days to deposit the initial $100 for the checking or savings account. Scottrade offers free checking, direct deposit, online bill pay, free checks and ATM fee reimbursement. Plus there are over 500 branches nationwide. Get started today.

USAA Free Checking
USAA does not use ChexSystems, 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 and Reserves are eligible. Non-military can join if a spouse has honorably served or if a parent or spouse currently has or had a USAA account. USAA hands down is a great full-service bank offering products from credit cards for poor 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.

Capital One 360 Checking Account
Capital One 360 used to be the go to bank that did not use ChexSystems. Unfortunately that policy has changed. Capital One 360 will “soft pull” your Equifax credit report along with a ChexSystems report. Capital One 360 will not deny your application solely based on a negative ChexSystems report unless fraud is indicated. Some consumers have reported being offered a Capital One 360 Savings account when they do not qualify for a checking account. No minimum deposit is required to open a checking or savings. Apply today.

Suntrust Bank
Suntrust Bank offers several types of checking accounts, all of which include online banking, mobile banking, overdraft services, direct deposit, online bill pay and a SunTrust MasterCard® Check Card. While Suntrust maintains they do not use ChexSystems, some consumers have reported otherwise. It may be best to apply over the telephone or through their online chat service; and, complete the process in full through the mail.

Fort Sill National Bank
Fort Sill National Bank (FSNB) is open to anyone; you do not have to be in the military. FSNB does not use ChexSystems. If you are interested in direct deposit, this may be a good account for you because FSNB may not be located in your state. In order to open an account from any location call their new accounts department at (800) 749-4583 and an application will be mailed to you.

IncredibleBank
This bank is an internet only bank and a division of River Valley Bank. IncredibleBank offers a a high yield checking account and a high yield CD that can be opened online. This is a no Chexsystems bank but they will run a credit report and require a minimum credit score of 640.

TCFBank
This bank is not available in all states. TCFBank has 436 branches in Minnesota, Illinois, Michigan, Colorado, Wisconsin, Indiana, Arizona and South Dakota. This bank offers several checking accounts to choose from and a business checking account. They will open an account for consumers in Chexsystems but you must not owe any money to TCFBank. Consumers with an EWS record may be denied.

1st Convenience Bank
This bank is only located in New Mexico, Texas, and Arizona. They do not run Chexsystems, Telecheck, or EWS. Several checking account options are available but there is a $12 monthly maintenance fee if certain conditions are not met such as maintaining a minimum daily balance. All checking account options only require $1.00 to open.

Renasant Bank
This bank is only located in Mississippi, Alabama, Tennessee, and Georgia. You can have a Chexsystems, Telecheck or EWS record but there must not be any money owed to Renasant Bank. Checking accounts offer free online bill pay along with mobile banking. You can apply online.

United Bank
This bank is not available in all states. Branch locations are located in Maryland, Ohio, Pennsylvania, Virginia, West Virginia, and Washington D.C. They do not run Chexsystems. Several checking account options are available but there is a $50 minimum deposit required for all checking account options.

Washington Savings Bank
The Rewards Card Checking requires direct deposit of payroll or government benefit. There is a monthly maintenance fee of $9.95. They do run ChexSystems but have less stringent requirements. Fraud should not be indicated. Customers enjoy no overdraft fees, a checkbook, Mastercard® debit card and free nationwide ATM access through the Allpoint® 55,000 ATMs Network!

Bank Sweeps

Banks will sometimes conduct ChexSystems Sweeps on existing customers and close accounts without warning even if your account is in good standing. It can take up to 30 days to get your money out of a frozen account. Never have all your money in one bank. Because TD Ameritrade Cash Management Account is a Cash Management Account, it can serve as a back-up account if you have unpaid items in ChexSystems. With current negatives in ChexSystems, keep a non-ChexSystems account as a backup. If you have direct deposit you may want to split it. That way if your primary account is frozen or closed you still have access to a portion of your paycheck.

Second Chance Checking

US Bank
Try the in-store branches and take proper identification along with a utility bill showing your address. Consumers using in-store branches have experienced success in opening checking accounts while in Chexsystems.

Woodforest Bank
This bank is not available in all states; however, they do have an account called “Second Chance Checking. It comes with unlimited check writing and a debit mastercard. You must go inside a branch in order to open this second chance checking account.

BBVA Compass
Offers a second chance checking account where you get a visa debit card, unlimited check writing and no minimum balance required. The monthly service charge is $13.95 and the minimum opening deposit is $25. You must NOT have an EWS record.

Wells Fargo – Opportunity Checking
This is a traditional checking account with a visa debit card and checks; however, it comes with some restrictions. This account will definitely help you stay within your budget. Deposits cannot be made through the ATM and you may not be able to get cash back immediately upon depositing a check. Once you remain in good standing for some time, Wells Fargo may offer you an upgrade to a regular checking account, with less restrictions.

Chase
Chase formerly offered an account called Access Checking but it is no longer available. Depending on the age of your ChexSystems record and as long as it does not indicate fraud, a branch may open a regular checking account. Some have had success going directly into a branch. Chase also runs EWS.

PeoplesCashSolutions
Peoples Cash Solutions offers a Second Chance Checking Account for consumers who have been reported to ChexSystems or TeleCheck. There must be no fraud activity reported in ChexSystems. Bad credit and even bankruptcy are okay.

Fund an Account or Verify Small Deposits

If you are opening an account online but do not have a way to fund it instantly with another account or credit card, most online accounts can be funded with a prepaid debit card with the Visa® or MasterCard® logo. Or, use PayPal® to add money to your bank account. It’s fairly simple and with PayPal® your account can be funded in 2-3 days.

Safe Check Ordering

Consumers who have been reported to ChexSystems, whether the item is paid or unpaid, should be careful when ordering checks. Ordering checks from well known companies such as Deluxe, Designer Checks, Checks Unlimited and Current Checks may not be safe. These companies share your personal information with ChexSystems. ChexSystems will then report your ChexSystems record to your current bank.

Order checks from companies that do not share your personal information with ChexSystems such as Costco Check Printing, Checkworks or Harland Clarke. Ordering checks from companies that share your information with Chexsystems may end up getting your current bank account closed, even if your checking account is in good standing.

Chexsystems is a consumer reporting agency which means inaccurate information can be disputed if you are unable to find a No-ChexSystems bank.



Comments

  1. I just started a small business and I cannot open a business checking account because I have something on the EWS report. Do you know of any business checking accounts I could try?

    • Try Woodforest Bank. They have a Second Chance Business Checking Account. This account is designed to offer a second chance to business customers who have experienced previous bank account challenges. They do not run EWS. The minimum to open is $100.00 with a $15.00 monthly maintenance charge. You can read more about the account here.

  2. I just opened Capital One 360 savings online with no problem, but was declined for the checking account so maybe they only use chexsystems for checking accounts.

  3. Lynn St Peterson says:

    Capital One 360 uses the chexsystems now. Just did it yesterday and got denied

  4. Anonymous says:

    Lisa, I just wanted to let you know how helpful your site has been to me. I am determined to have a good credit score, although I know it will take time. I just opened accounts at Regions Bank, TCF Bank and a local one at Wells Fargo. I NEVER would have tried WF if it were not on your site. They also treated me like a valued customer and not a ‘deadbeat’ as I have gotten used to. I would like to mention that I was turned down by Capital One 360 and a local credit union (Partners 1st). The credit union was very nice, emailed me and got all my info, THEN, they would not respond and I got a rejection letter a week later. They were on the list that was supposed to be lenient (from another site). Big FAIL!! I am thrilled to have these accounts now. I am in Indiana. (All accounts came with checks, debit cards, apps and other perks) THANK YOU !!!!!

    • You are very welcome! I am happy you found the information needed on this website to open a new account. You have also done the SMART thing by opening several accounts. That action cannot be stressed enough when you have a ChexSystems or EWS record. Multiple accounts will guarantee you’ll also have a back-up in case of bank sweeps. The best of luck to you in your credit journey.

  5. Jennifer benner says:

    I had a chase account for a good three months last year. They did a sweep and closed my account with no warning. This all happened the day I was going on a cruise. I went to the bank and luckely I had a nice guy that new from talking to me the week before I was going on vacation . he was able to give me all my money. I was very lucky I didn’t have to wait.

    • Yes, “Bank Sweeps” are the worst. The backend of a bank’s security department can conduct “Bank Sweeps” several months after an account, in good standing, has been open. You were very lucky to be able to get your money so quickly. That’s why any consumer with a bank account and with items on ChexSystems should have a back-up bank account that does not use ChexSystems like Capital One Checking.

  6. hello I cant even open a checking account because I have bad credit history my credit reports is low at 500 since I keep trying to open a account but always get reject , is there anyway to open account with nochexstsyem since I keep trying but nothing work on my way.

  7. i just had one quick question. I have one listing on chexsystem/early warning services but i recently took care of the debt with the bank so i no longer owe them. I was able to open a second chance account with my local credit union(thank god) but i ultimately want to bank with usaa. I will be active millitary soon so i will qualify with for the account in that sense but i wanted to know if usaa will accept the application because my listing in chex was fraudulent.

    • USAA does not use ChexSystems however they do use Early Warning Services (EWS). I cannot say for sure USAA will ignore the EWS record even though it is paid. But you may have a better chance with USAA if you apply for one of their insurance products. USAA seems to cut slack to full members who are active military and have one of their insurance products. The insurance product could be something as inexpensive as renter’s insurance or personal property insurance (jewelry, cameras, etc.). This type of insurance can be as little as $10.00 a month. You can qualify for an insurance product then once you’re in, apply for a checking or savings account.

      • Do you know how long dings stay in the EWS and the other systems like that? I know Chexsystems is 5 years but there are many others out there. Not sure where to find that information since it isn’t all online on their sites.

        • EWS records remain for 7 years. The Fair Credit Reporting Act dictates how long negative records can report. It seems that ChexSystems decided they would only report for 5 years even though they have the legal authority to report longer under the Fair Credit Reporting Act Rules.

  8. Netbank which is part of BofI Federal Bank will approve you for a checking account. It’s an Internet Bank but you get checks and a Visa Debit card. CONS: Check deposits, other than direct deposit have to be scanned and uploaded, cash deposits have to be made by transfers or a MoneyPack.

    • CASSANDRA says:

      I LOVE NETBANK, JUST HATE THE NEW MONEYPAK RULES OF HAVING TO SHOW ID AND WAITING AN HOUR TO LOAD YOUR OWN MONEY!

      • I appreciate your comments but this page is dedicated to getting consumers back in the traditional banking system, not prepaid debit accounts. While Netbank offers an alternative to prepaid cards it is not a traditional bank where you can grow your money, get access to loan products, credit card products, insurance and investment products. Traditional banks do not require loading cash onto “Moneypacks” and waiting for that money to be available. Netbank is back after being shut down in 2007 by the government. It was the largest thrift to fail since the savings and loan crisis back in the day.

        If you are unbanked your goal should be getting 2 or 3 accounts at banks offering “free checking” along with other free services. Those banks should offer a wide array of financial products giving you options when you want to get mortgage loans, home equity lines, personal loans or lines of credit, auto loans, credit cards and investment or retirement products. Netbank currently has a fee schedule similar to prepaid cards which is not published on their website. Customers should be prepared for fees like:

        NetBank charges:

        • $8.95 monthly maintenance fee or $6.95 if you use direct deposit
        • $1 to use an ATM
        • $5 per month for using their Bill Pay service
        • $5 per payment through Popmoney (for sending money to others)
        • $15.95 to close the account

  9. G. Morrison says:

    I opened an account with TD Ameritrade. Where does it give the option to open a cash management account? Can you make deposits to this account at a regular TD Bank?

  10. Will Chase allow you to open a 2nd Chance Checking account if you are still on Chexsystems? What if you shows you owe money to the account on chexsystems?

    • Chase will typically open a second chance checking even if you have unpaid ChexSystems entries as long as they do not indicate fraud and are not recent. They will “soft pull” your credit reports but it will not impact your credit scores.

      • Neicy Jones says:

        Hello! Just wanted to share that Chase no longer offers the Access checking account. They now only offer the Liquid prepaid card/account to consumers in Chexsystem. It is like any other prepaid debit card, except backed by Chase, which means you use their ATMs, tellers, etc. The monthly fee is $4.95, and after 6-9 months, they say they will offer a traditional checking account (if there is enough positive activity to show you will benefit from a traditional account). I just went in yesterday, however, and will check back in to let you all know how true that is. Thanks! I love this website it has been a blessing!

        Oh, this is a big thing, unlike some other prepaid debit cards, you have no check payment options. Only direct deposits, you may not use the routing/account number to pay any online bills, etc, only the 16 digit card number may be used. And you may not use the card for rentals of any kind, or do money transfers. So, basically, per my prepaid card experience they are far from the best one out there. Unless, they are true to their pitch and really offer a checking account in 6-9 months. Thanks!

  11. Thank you!!! I have horrible credit, and a Chex Systems listing from 2012. I tried many different banks that would not accept me. I called SunTrust and was able to open a checking account!!! I have been using prepaid cards and didn’t even think this was possible, especially not at one of the banks you see everywhere!!

    • Congratulations on your new account. Prepaid cards serve a purpose but are nothing like a real checking account.

    • Sorry. I have to update this. The next day, I went to SunTrust and they told me that my account had been closed. I was assured that I was approved initially, then they did a background check, saw the ChexSystems do not open account on my file, and dropped me. I don’t know what to do now. This seems hopeless.

      • Wow, that’s not good. Have you tried a different bank on the list. Perhaps there is a US Bank in your area operating out of a grocery store. Some people have had great success with US Bank that are in grocery stores. Don’t give up. If you can’t find a traditional bank consider using a Cash Management Account from TD Ameritrade until your ChexSystems record is removed. ChexSystems records can only stay for 5 years. Scottrade Bank is another option but it is an online bank only.

  12. Sunbank is also a second chance bank. I have had an account with Sunbank for a couple of years and never had an issue with them. I think they used the credit report for verification only – not to deny.

  13. What is incredible is that banks deny customer’s the opportunity for a real bank account but they can engage in all manner of illegal and devastating activities with little to fear but government penalties. Suntrust itself had to pay $1 billions last year for defrauding fannie mae and freddie mac but the people that made those decisions go free. If you or I did that we would be in jail the rest of our lives with Bernie Madoff! And don’t even get me started about the billions and billions (trillions?) they destroyed of people’s assets with the sub prime implosion of 2007-2008.

  14. Bank of the West offers a second chance checking but the fee is 12 per mth

  15. i am the victim of identity theft and thats why i am on chexsystems it is impossable to open a bank account anywhere im so depressed

    • If negative information on your ChexSystems report is due to identity theft it is important that you take the necessary steps in order to address the identity theft. That means filing an Identity Theft Affidavit and file a police report. To create an Identity Theft Affidavit, you’ll need to submit a formal complaint detailing the theft to the Federal Trade Commission. Access the FTC Theft Affidavit online here.

      Once you have a copy of the FTC’s Identity Theft Affidavit take it with you to file a police report. Filing a police report may seem burdensome but it may help you down the line to get any fraud accounts removed from ChexSystems. With the Identity Theft Affidavit and police report you should be able to dispute the negative account with the financial institution that placed you on ChexSystems and dispute the ChexSystems negative item here to get it deleted.

      If you want to open an account before you get the negative item removed from ChexSystems go over the list above, one of the above banks may open an account for you.

  16. Thank you for sharing this information for other readers.

  17. If they do sweeps and they close the account after it has been opened, what about the money? how do i get my money from the bank?

    • If a sweep has occurred most banks will return your money within 30 days of the account closing. But you can usually get it sooner if you speak with a manager and make a fuss about it.

  18. Carolyn says:

    I applied for the USAA checking account and was instantly approved.

  19. Hi I have a question Ive had an account with Wells Fargo about two years ago. Is it possible that I can still open an opportunity checking account?

  20. Woodforest Bank also offers Second Chance checking. 25.00 min open deposit…with 9.95 a month svc fee without direct deposit..and 7.95 with direct deposit.

  21. Many banks are now using Chexsystems & credit reports to deny even savings accounts. I am unable to get any sort of “real” bank account – savings or checking – until I pay off banks that have never sent me anything stating I owe them! Chexsystems won’t remove them either.

  22. Kev_Greene says:

    Some banks I tried to get accounts at ran a credit check so it seems you are basically screwed if your credit is questionable, unless you get a savings account only.

  23. KingofPain says:

    Chexsystems is so unfair because they will try to put you in there for 5 years for little amounts. I had a small accont go to chexsystems for less than 30 lousy bucks and it stayed their the entire 5 years. I hate them!

  24. It’s been so long since I had an account I’m not sure I even want one now, except for paying a check cashing place to cash my payroll checks. The prepaid card has worked but there are more fees involved then I would like.

  25. Jennifer says:

    Thanks for the second chance bank list I was able to open checking and savings account

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