Open a real bank account at a No Chexsystems Bank. We maintain an updated list of banks that DO NOT use ChexSystems and Second Chance Banks. Get started today because living without a bank account is inconvenient along with being costly. Check cashing fees add up over time. Plus, not having a place to grow your money prohibits wealth building and you miss out on additional financial products banks may offer like mortgage and auto loans, credit cards, and investment products.
We have maintained an updated list of No-Chexsystems Banks since 2010. This list also includes Second Chance Bank Accounts where banks allow people with a ChexSystems record to open bank accounts. The list has changed over the years because some banks like Capital One 360 started using ChexSystems. Here is an updated list of No-ChexSystems banks where you can open an account today.
No ChexSystems Banks in 2016
BBVA Compass ClearChoice Free Checking
Available to residents in the states of AL, AZ, CA, CO, FL, NM, TX. BBVA Compass is a No-ChexSystems Bank. You apply for the ClearChoice Free Checking Account but if you are not eligible you will be offered the Second Chance Checking Account but it has a $13.95 monthly fee. The Second Chance Checking Account is offered when you need to rebuild your credit and 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 Second Chance Checking Account comes with the same features as the free checking which includes online banking, mobile check deposits, bill pay and a Visa debit card. There is a $25 minimum deposit required to open. Apply online today.
All other residents can apply online for a different BBVA checking account offered in your state. Go to the BBVA website. Click the “Personal” tab. Next click the “Checking” tab. Scroll down to the orange “NBA Checking” option. Click the yellow “Apply Now” button. You will be taken to the “Let’s get started page” where you will click the blue “Continue” button. Choose the NBA team you want on your Visa Debit card then fill-out the application. You’ll need about 10 minutes to complete the process along with a $25 minimum opening deposit. The deposit can be made by electronic transfer, credit card, mail a money order or check. DO NOT apply for this account if you have an EWS record, it may be closed a few weeks later. Features include online banking, mobile check deposits, bill pay and check writing. Get started today!
USAA Free Checking
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 hands down 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.
TD Ameritrade Online Cash Services
TD Ameritrade is not a traditional bank account but a brokerage firm. At one time they did not run ChexSystems but TD Ameritrade now uses ChexSystems. While they will open an account for you, depending on what your ChexSystems record indicates, such as fraud, they may not allow check writing or debit card privileges. You can still set-up free online bill pay and direct deposit. You’ll need about 15 minutes to open an account. Once the brokerage account is open go to My Account > Online Cash Services > Checks/Debit Card and then click the “Sign up now” button. Open an account today!
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!
Navy Federal Credit Union
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.
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.
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.
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.
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.
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.
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.
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. TD Ameritrade Cash Management Account has an Online Cash Services account that 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 Bank Accounts
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.
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.
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.
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.
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.