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No Chexsystems Banks: Open a New Account Today


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

BBVA Compass ClearChoice Free Checking
Simplify your financial life with BBVA Compass ClearChoice Free Checking. BBVA Compass does not run ChexSystems. BBVA Compass uses a credit report to verify your identity. 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. Easy Checking is the account offered when you need to rebuild your credit and get your finances on track. It 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. Apply online today.

Discover Online Savings Account
Discover Online Savings Account earns 0.95% interest which is 5x the national average for other banks. There are several great features with the Discover Online Savings Account like mobile check deposits, direct deposit, online bill payment and no monthly fee. The Discover Bank Savings Account does not use ChexSystems. It requires an initial deposit of $500 but once the account is open you are not required to maintain the deposit. You have 30 days to fund the account if you choose to mail a money order, cashier’s check, personal, payroll or government check. Discover Bank has a cashback rewards checking account but you must have a Discover Savings Account in order to apply. Open 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 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.

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. It’s still on the list because people have reported being offered a Capital One 360 Savings Account as an alternative. Capital One 360 can serve as a good back-up bank because anyone in ChexSystems should always have more than one account. No minimum deposit is required to open a checking or savings. Apply today.

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.

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.

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.

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.

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.

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. 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 Checking

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.

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.

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.

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



  1. David J.

    November 22, 2015 at 7:06 pm

    Do you know if Scottrade still doesn’t use chexsystems? Supposedly if you open a brokerage account you can get a checking account without chex.

  2. Jill

    October 26, 2015 at 6:03 pm

    Do you know if TD Ameritrade has changed their approval process for checking/debit card privileges? I was surprised that I was denied checks and debit card. If they do not run Chexsystems or a credit report, what is the vetting process?

    • Lisa Phillips

      November 9, 2015 at 7:28 pm

      It has taken me a awhile to get back to you because I had to do some checking with TD Ameritrade directly. But yes, TD Ameritrade has changed their policy when it comes to using ChexSystems. They will still open an account but depending on the information contained in ChexSystems, such as fraud, they will deny check writing and debit card privileges. The checking account will only have free online bill payment services and direct deposit is available.

  3. Sharon Alexander-Jenkins

    October 21, 2015 at 9:38 am


    Your article and tips I’ve read through the comments have restored my faith! I have had some bank account issues twice, once in 2008 with Chase, and again in 2013 with Fifth Third, both due to my carelessness in my younger adult years. Since then, I have been using a AMEX and Rush prepaid card for direct deposits and bill pay. But, as I’m sure you know, the monthly fees and atm charges are ridiculous! Also, Rush had a very bad technical glitch last week that has left me and thousand of others without access to our funds, which has been a nightmare!

    I initially planned to just sit out my 5 year wait time for my ChexSystem item to get deleted, but I need check writing power and access to live people, conveniences offered by a bank. Additionally, I would like to begin restoring/building a relationship with a bank because my goal is to purchase a home before my 30th birthday (Jan. 2019).

    Like others, I have tried on multiple occasions to apply for online accounts, second chance accounts, and I used to have a TD Trade account. But, I am still wanting a traditional account.

    I just want to say that your article and the help that you are providing to so many people is truly appreciated and such a blessing!

    Thank you!

    • Lisa Phillips

      October 21, 2015 at 10:10 am

      Thank you for your kind words. Consumers deserve a second, even third chance just like the banks got a fresh start after financial crisis of 2008. Five years is a long time to go without a traditional bank account or depend on a prepaid debit card. And, the latest glitch with the RushCard pre-paid debit card is just more reason to use prepaid cards as a temporary solution and to get back into traditional banking as soon as possible. If you have not already done so you can start preparing your credit file for a mortgage loan now. The best of luck to you!

      • Jennifer

        October 31, 2015 at 2:20 pm

        Hello can you please provide a list of banks in Illinois that don’t use ews or chexsystems

        • Lisa Phillips

          November 3, 2015 at 9:12 pm

          The only information I have regarding No-ChexSystems Banks in Illinois can be found here.

  4. Angela

    October 9, 2015 at 10:33 pm

    I live in west Texas, Midland/ Odessa. I have very poor credit and the last bank account I had was about 3 yrs ago with Frost bank. The account wasn’t left in good standings due to a situation with a rental car. Not having a bank account can really complicate things. I desperately want a real account again! I don’t mind starting out with a deposit. Any advice is greatly appreciated! Thank you!

  5. Zak

    October 8, 2015 at 8:22 am

    Once opening a discover savings account. Can you still get the cash back checking account while on chexsystems. I need a debit card as well. Or is Ameritrade a better option?

    • Lisa Phillips

      October 21, 2015 at 12:30 am

      Discover Online Savings Account does not use ChexSystem. In order to apply for the Discover Cash Back Checking account you must have a Discover Online Savings Account or a Discover credit card. However, the Cash Back Checking Account will pull a ChexSystems report. You may be approved if the ChexSystems record is a small amount, or it is older, and it does not indicate fraud.

  6. Mack

    September 21, 2015 at 8:04 pm

    Opened a savings only account at a credit union on Friday & took out a small loan with them at the same time. They only approved the loan for half of what i needed. Monday applied to another credit union for a savings only account & small loan to cover the other half of what i needed but was told a credit union has derogatory information in chexsystems so i can even open a savings account with them. The only credit union I’ve ever owned is the one i opened 3 days prior & 2nd credit union confirmed 1st credit union is who’s lisred as reporting to chexsystems. I talked to the credit union & they deny reporting anything with chexsystems. Said they only checked my standing with them & because I had NO record with them, they opened my account & approved my loan on Friday. How do i dispute what the credit union denies reporting? Could they be trying to keep from opening with other credit unions on purpose?

    • Lisa Phillips

      September 22, 2015 at 2:31 am

      When you apply to several banks or credit unions in a short period of time your ChexSystems report could get flagged. Having too many ChexSystems inquiries is considered derogatory by some credit unions and banks. I suggest you order your ChexSystems report to see exactly what is reporting. It is not safe to take the word of the 2nd credit union. Once you have your report you can make a better decision on what needs to be disputed, if in fact the 1st credit union placed any derogatory information. The 2nd credit union could just be holding the amount of inquiries you have in ChexSystems against you — it may not be an actual derogatory notation by the 1st credit union. Order your ChexSystems report here.

  7. Dee laws

    September 21, 2015 at 9:10 am

    In the state if MD and looking for a credit union that will not check chex systems.

    • Lisa Phillips

      September 22, 2015 at 10:42 pm

      I only have a few resources for the state of Maryland Non-ChexSystems banks you can find here.

  8. Kimberly

    September 14, 2015 at 6:55 pm

    Hello, I am a newly discharged bankruptcy in need of a bank account in Louisiana. I was in checksystems. Thanks

    • Lisa Phillips

      September 15, 2015 at 1:42 pm

      ChexSystems will delete your entries if you have filed bankruptcy and the BK has been discharged. Contact them at 800.428.9623 to speak to a Consumer Relations representative. Give them your BK Case No.

  9. William Reed

    September 14, 2015 at 9:19 am


    I was wondering if youve heard anything about Marquette Bank & Urban Partnership Bank in illinois? Any help would be greatly appreciated. Thanks

  10. CathyLA

    September 14, 2015 at 2:29 am

    Surprise, surprise open a Discover Savings account today with no problem. I had been without a bank account for about 2 years I am so happy right now!

  11. Angie

    September 13, 2015 at 8:27 am

    I had a problem with US Bank, they closed my account for deposit insufficient funds checks and noted my closed account as fraud. I tried disputting them and told them there was no way I could know that check written to does not have funds.

    I was then able to open a second chance banking with Wells Fargo but due to bills for my inpending divorce I ended up bouncing checks. They closed my account with balance and also flagged my account as fraud. I am having a hard time dealing with WFB to resolve this issue.
    Is there a bank in California I can apply to rebuild my credit. I am on both Chexsystems and EWS and I have not been able to open a checking account.

    • Lisa Phillips

      September 15, 2015 at 10:31 pm

      In my research I have found that California has limited banks that do not use ChexSystems or EWS. But here are a few resources for California banks and credit unions that do not use ChexSystems or offer Second Chance Checking here. You might have to visit them in-person to open an account.

  12. Tracey

    September 12, 2015 at 7:28 am

    I am looking for a bank in WA state that does not use Chex systems or EWS.

    • Lisa Phillips

      September 13, 2015 at 1:30 am

      I only have a few resources for banks in Washington that do not use ChexSystems, you can find them here.

  13. Chanel

    September 11, 2015 at 1:13 am

    Hi, thank you for the information
    I found it very helpful and hopefully in a few days I will spend my time to look into this.
    I live in California and I cannot open at a bank because I had some scam / fraud going on with my account last year. I paid the banks back with money from my own pocket and still can’t seem to find anything. Would you know anything specifically for my case here in California ?
    Thanks in advance

    • Lisa Phillips

      September 11, 2015 at 11:47 pm

      Find some California banks and credit unions that do not use ChexSystems or offer Second Chance Checking here. You might have to visit them in-person to open an account.

  14. Tracy

    September 10, 2015 at 8:53 am

    can you tell me any banks that allow checkings with out ews or chex, and telecheck PLEASE IN Central Florida

    • Lisa Phillips

      September 12, 2015 at 11:28 pm

      Here are a few resources for no-chexsystems banks in Florida you will have to see if they have branches in your area.

  15. Niketa Nolan

    September 10, 2015 at 12:45 am

    Hello, I’m in the Saint Louis, MO area in need of opening a checking account with a previous record from US Bank. Can you provide some suggestions? Thank you

    • Lisa Phillips

      September 14, 2015 at 2:24 am

      Find several second chance banks or non-chexsystems banks for Missouri here, some of which may have branches in St. Louis.

  16. Monique

    September 9, 2015 at 2:04 pm

    I live in central NJ. Are there any banks out here where I can open an account while on chex systems?

  17. Timothy Huston

    September 6, 2015 at 11:17 pm

    Hello Lisa, I have an unpaid balance on my chexsystems from overdraft fees from Bank of America. My mom wants to put me on her acct because she is getting older, and it would be better for me to be on it if the worst happens. Would this be a problem at all?

    • Lisa Phillips

      September 10, 2015 at 6:16 pm

      If your mother’s account is with Bank of America it may be a problem. Bank of America can play hardball sometimes when you owe them money. If you are willing to pay them they may be willing to make an exception. Definitely go into the branch and speak directly with a manager. They can always override ChexSystems and open an account for you. Now if your mother is willing to make you Power of Attorney your ChexSystems record may not matter. I am not an attorney and strongly suggest you consult legal counsel. But a POA could possibly be a workaround in getting you on your mother’s accounts.

  18. Quincy

    July 27, 2015 at 10:53 pm

    Thanks for the Discover Savings tip. My chexsystems entries are a couple years old but they are still unpaid. Discover opened the account with no problem. I will manage this account a lot better, I leaned my lesson the hard way by not having a bank account for several years.

  19. josh w

    July 27, 2015 at 4:28 pm

    My mom is moving to Bowling Green, KY and was denied an account. Could you suggest any banks in the area?

  20. Donna

    July 24, 2015 at 4:14 pm

    I am on chexsystems because of scammer. I would really like to open a bank account. I have tried my local credit union and banks but was denied. Is there any other option for me? I live in Pittsburgh, PA

  21. ebony

    July 21, 2015 at 6:27 pm

    how can I open acct in Birmingham, AL? I have had trouble with chex system(score 483) and with EWS and need to open acct to restart my financial goals and get on the right track with things and paying old bank debts off.

  22. Terrance Williams

    July 18, 2015 at 6:26 pm

    Thank you for all of this information Lisa. I opened an account with SunTrust today! They will even add $150 after 60 days thanks do my direct deposit!

  23. Chris

    July 18, 2015 at 2:46 pm


    Do you know of any specific good banks or credit unions in Charleston, SC that dont use CheckSystems?

    • Lisa Phillips

      July 22, 2015 at 11:29 pm

      The only bank I know of in the Charleston, SC area is Woodforest Bank. You must visit the branch to open an account. They have a Second Chance Checking Account that has a monthly fee of $7.95 with monthly direct deposit or $9.95 without monthly direct deposit. Find several more second chance checking accounts in South Carolina here.

  24. Candy Nelson

    July 16, 2015 at 9:09 am

    Hi Lisa. I am in Oklahoma City. I was wondering do you know of any banks here that do not use chexsystems. Im from Maryland and have some marks there so everyone here keeps denying me. I recently got a OKC license to see if that would help but still no go.

    Also, this maybe a stupid question but Im a little confused about online banking. Sometimes it seems that you already have to have a regular bank account to be able to use one of the regular one’s like Capital One 360 but other times it seems like people have Capital One 360 without having any other bank account. Do you need to have one first or can you just get online accounts and that be it? I was interested in Capital One 360 and Ally. Thanks

    • Lisa Phillips

      July 18, 2015 at 1:34 pm

      You should be careful in applying at several banks. It may cause your ChexSystems report to have several recent inquiries which then becomes a reason why a bank may deny you. Oklahoma Employees Credit Union may be a good fit for you. They have a “Fresh Start Checking Account” but there is a monthly fee of $9.95. You must work, live or worship in Canadian, Grady, Cleveland, Lincoln, Logan, McClain, Oklahoma or Pottawatomie County areas in order to qualify. Find more Oklahoma second chance banks here.

      As far as online banks, it really depends on that bank’s policy. As you stated Capital One 360 Online requires you have an external account linked in order to make the initial opening deposit but you do not have to maintain that external account once the Cap One 360 is open.

  25. Lina

    July 15, 2015 at 10:21 pm

    Any options in San Antonio, Texas. I applied for a first convenience account online and was denied.

    • Lisa Phillips

      July 18, 2015 at 10:20 am

      The only bank I know of in San Antionio besides USAA is United San Antonio Community Federal Credit Union. They offer a “Do-Over Checking Account” that requires a $25 minimum opening deposit and a monthly fee of $10. You must live, work, worship, or attend school, and businesses and other legal entities located in Bexar County, Texas. You may find more no-chexsystems banks in the Texas area here.

  26. Joelle

    July 7, 2015 at 6:54 pm

    I successfully opened a Renasant Bank account online today. Do you think there is a chance they will close it? I had this problem with Suntrust with my account on EWS being the problem.

    • Lisa Phillips

      July 7, 2015 at 9:00 pm

      I really cannot say for sure but I think you’ll be okay. As long as you don’t owe Renasant Bank. You might want to wait 30 days if you are planning to set up direct deposit.

  27. Robert glover

    June 24, 2015 at 7:01 pm

    I stay in Nebraska i have searched hard and years ago i had accounts with some of the banks. I dont have no car so no luck for face to face. Do you have any ideas where i can go to get a account?

  28. SLS

    June 23, 2015 at 2:03 pm

    How long can EWS and Chexsystems keep you in their system?

    • Lisa Phillips

      June 24, 2015 at 3:57 pm

      An EWS record can remain 7 years and a ChexSystems record can reamin 5 years.

  29. Sally

    June 23, 2015 at 9:05 am

    I am on chexsystems and would really like to open a bank account. I have tried my local credit union but was denied. Is there any other option for me? I live in Mass – is Discover a good one?

    • Lisa Phillips

      June 24, 2015 at 4:14 pm

      Washington Savings Bank is located in Lowell, MA but you can open an account online. They offer a Rewards Card Checking that requires direct deposit of payroll or government benefit. Lately I’ve received several comments from people who have been able to open a Discover Savings account even with a ChexSystems record. Discover requires a $500 minimum opening deposit but you do not have to maintain that $500 deposit once the account is opened. But the best part of Discover is their Cashback Checking account. You have to first open the Discover Savings in order to apply for the Discover Cashback Checking. Customers can earn .10 cents cashback on debit transactions, online bill payments and cleared checks up to 100 transactions per month!

  30. Janice

    June 14, 2015 at 7:47 pm

    Can you recommend a bank in Jacksonville FL. I need a checking account and will not be able to get an account banks that use chexsystems or a credit report? I actually don’t even mind an online bank. I just don’t want enormous monthly fee’s. Thank you.

    • Lisa Phillips

      June 17, 2015 at 1:27 am

      The only bank I know of in Jacksonville is Jax Federal Credit Union (JAXFCU). You can join JAXFCU if you live, learn, work or worship in the following Northeast Florida counties: Duval, Clay, Baker, St. Johns or Nassau. They have a Fresh Start Account that gives members an opportunity to open a checking account, even if they’ve had trouble in the past. There is a $5.00 monthly fee for the Fresh Start Checking Account but it can be waived if you have a $300 monthly direct deposit. It also comes with a Visa debit card and there is no opening or minimum balance required. Online options are listed here.

      • TAM J

        July 12, 2015 at 1:33 pm

        Lisa your awesome wow!!! I just have a question I opened the TD Ameritrade account but I owe the regular TD Bank money they said they are separate companies but will they link me?
        Also can you tell me anything about Center State Bank in FL. I am located in FL. Thank you

        • Lisa Phillips

          July 13, 2015 at 11:59 pm

          There were two other people that shared the same scenario and their accounts at TD Ameritrade were unaffected. I think your new account will be just fine. However, you might want to wait at least 30 days before setting up direct deposit to be safe. CenterState Bank offers a Fresh Start Checking Account with a monthly fee of $12.00

  31. Shannon

    June 14, 2015 at 7:59 am

    So i applied for an account at Bank of America in 2013. It was opened but closed quickly after due to me being on Chex Systems. The reported me to Early Warnings when I had made NO TRANSACTIONS with them. (i found out shortly after when trying to get an acct at suntrust) How do I get this removed? I tried contacting Bank of America they keep saying no we didnt report you to Early Warnings we closed due to ChexSystem report. But thats not true Early Warnings states differently. Thanks for all your help with everyone that has had problems that were unintentional in their past.

    • Lisa Phillips

      June 16, 2015 at 11:37 pm

      Well technically if Bank of America is saying they did not report you to EWS then when you dispute the entry with EWS it should not come back verified. This is what I would do:

      1. Contact Bank of America again and ask them for a letter stating just what they told you.

      2. Order your EWS report to review what’s being reported and who reported it. Dispute the entry reported by Bank of America as inaccurate and send the proof provided by Bank of America stating they did not report you to EWS.

      3. If that does not work make a complaint to the Consumer Financial Protection Bureau about EWS reporting inaccurate information and your state Attorney General’s office.

      Lastly you can review the EWS entry for information you can dispute such the status is incorrect and/or no close date on the account. Having a close date is important in determining the length of time an entry remains on your file. Find any inaccurate information and request they delete the entry as the Fair Credit Reporting Act requires them to report only accurate information.

  32. Cindy

    May 29, 2015 at 3:44 pm

    Which one has little to no monthly charge?? I just to be able to pay bills online. Thanks!

    • Lisa Phillips

      May 29, 2015 at 4:05 pm

      TD Ameritrade has free monthly checking and free online bill pay.

      • Michelle

        September 1, 2015 at 2:54 pm

        Hi Lisa

        How quickly did you get your debit card with TD and how do you fund the account? There online account is confusing to me. ha ha

        • Lisa Phillips

          September 1, 2015 at 4:52 pm

          Generally it takes 7-10 days to receive a debit card and you can take a look at the options for funding your new account here.

  33. Kenya

    May 28, 2015 at 12:01 pm

    Thanks so much for the list of banks. I currently have 2 Chexsystems items reporting that are unpaid but was able to get a second chance account with my credit union a few months ago. I wanted a back-up account but did not know where to go. I would have never tried to open a Discover savings had I not seen other people on this page say they got approved.

    • Lisa Phillips

      June 3, 2015 at 11:25 pm

      You are very welcome. The Discover Savings Account is a pretty good account paying a somewhat higher APY than most banks. But what I like most about Discover Bank is their Cashback Checking. You have to have a Discover Savings in order to apply but account holders can earn .10 cents cashback on debit transactions, online bill payments and cleared checks.

  34. Christopher O'Hare

    May 23, 2015 at 10:47 pm

    Can I use an Ameritrade as a business account. I live in NYC have a ChexSystems issue, Trying to get my business opened and need an account. Chase, Citibank, NYCB, and TD Bank, denied me due to this issue. I really need to get an account opened ASAP, I have a lot of invoices to process and I can’t until I have an account. Thank you

    • Lisa Phillips

      May 26, 2015 at 9:10 pm

      You cannot use the TD Ameritrade individual account as a business account. TD Ameritrade does offer specialty brokerage accounts. A Sole Proprietorship account can be established for a non-incorporated, single-owner business. With this type of account, the owner and the owner’s company are considered a single entity for tax and liability purposes. On the application when it asks “What type of account do you want to open?” you have to choose the tab “Business/Trusts” in order to open a TD Ameritrade Sole Proprietorship account.

      Be careful with multiple new account inquiries. Too many will trigger a denial even with a non-ChexSystems bank. Before applying at another bank or credit union call first to inquire about their account opening process, i.e., do they pull a credit report or use ChexSystems. Most banks don’t mind telling you their qualifications for a new account.

      You might want to try a credit union like Brooklyn Cooperative Federal Credit Union or Alternatives Federal Credit Union for a business savings account. Sometimes it’s easier to open a business savings only at a credit union. Some credit unions do not use ChexSystems when you open a savings accounts. But it’s best to call before attempting to open a new account.

      The best option for getting a business account when you have multiple ChexSystems records is to form an LLC for your business. An LLC would make your business a separate entity that would only call for the business tax identification number to be run through ChexSystems and not the signer.

      • Chris

        May 26, 2015 at 10:57 pm

        I have just incorporated as an S-Corp. I have 1 ChexSystems report on my personal SS# and I am having a really hard time getting a business account

        • Lisa Phillips

          May 27, 2015 at 3:16 pm

          It is best to call banks ahead of time to ask what they require to open a Business Checking Account. Specifically do they run ChexSystems on the Business Tax Identification number or the signer’s Social Security number or both. That way you won’t waste a lot of time applying just to get denied. Here are a few banks that have been known not to use ChexSystems on the signer of Business Accounts:

          1. Citizens Bank offers several Business Checking Accounts and they do not require signers to be run through ChexSystems. Your business Employer Identification Number (EIN) will be used to open an account.

          2. Woodforest Bank has a Second Chance Business Checking Account.

          3. Bank of America seems to be hit or miss when it comes to Business Checking Accounts. Some business owners in ChexSystems said they had no problem opening a Business Checking Account with only their Incorporation documents and EIN – others say they were denied based on a personal bank account ChexSystems record.

          Again, you’ll have to do some calling ahead of time because different branches may have different requirements. I believe I listed a few credit unions that may open a Business Checking Account. I suggest you look into them because credit unions can often offer more personalized, friendly services that can help grow your business.

  35. Valerie

    May 22, 2015 at 4:06 pm

    Hi, im in LA California & am in chex systems. I’m thinking its been about 3-4 years since I was reported but no one will give me an account. Do you an updated list of banks here that will aloow me to open an account?

    • Lisa Phillips

      May 25, 2015 at 11:00 pm

      California is limited when it comes to no-chexsystems banks but US Bank “in store” branches seem to work for a lot of people on ChexSystems in California. As long as you do not owe US Bank and your ChexSystems record does not indicate “fraud” of any sort as the reason for being reported. You can find more non-chexsystems banks in California here.

  36. Lauren

    May 22, 2015 at 10:49 am

    You might want to add Discover Bank to the list. I dont know if they use chexsystems but I have several chex records and I was able to open an account with them today.

  37. Marquis

    May 21, 2015 at 11:08 am

    Hey, How are you? I’ve been reported to EWS and Chexsystems. It’s been really hard to open up an account with any bank. I haven’t tried any of the above listed banks but I will give it a shot, I’m just scared that any bank I do business with may close my account. Is there any way of knowing before even opening the account and would you happen to know of any banks off hand besides the ones that are listed that will approve you even though you have been reported to both EWS and Chexsystems. You know it sucks to have to always be turned down due to challenging credit or a poor banking history. Please help

    • Lisa Phillips

      May 21, 2015 at 9:41 pm

      The only thing I can suggest is for you to take action. And by that I mean open an account, keep it in good standing, don’t bounce checks, don’t create overdrafts, don’t deposit checks that bounce or engage in any behavior that would bring attention to your new account. There are some banks that will open an account for you but later, when their Loss Prevention runs a check on the new account, it can be closed. Or, if you have a mishap early when you first open an account, the bank may close it. Until the ChexSystems and EWS record is clear you should only concentrate on banks that do not use ChexSystems or EWS like 1st Convenience Bank or banks that offer second chance checking like Woodforest Bank. Both of these banks require an in-person visit to the branch to open a new account.

  38. tara

    May 16, 2015 at 10:18 am

    What about a business account? I opened a checking account online at regions bank (tennessee) I’m going to try to open a business act there but I’m still worried they’ll find out about chexsystems since I have to do it in person.. I also worry since the 30 day mark isn’t up yet that they may still find out about chexsystems and close my personal acct. I know most credit unions don’t run chexsystems or didn’t use to but I need a business account to cash business checks and I don’t know if they run chexsystems on business acts since you can use your tax I’d number instead of ssn or if you already have a personal acct maybe they don’t check when applying for business acct since you already have an acct.. I don’t know how all that works..

    • Lisa Phillips

      May 17, 2015 at 12:17 pm

      You might consider anonymously calling Regions Bank to ask the process for opening a Business Checking Account. Some banks pull ChexSystems report on the signor of the account and others do not. It’s also best to call ahead to see what documentation you will need.

      In addition to the tax payer identification number, typically banks require documentation to verify the business as well as the individual associated with the business. Different information may be required depending on the business structure, for instance:

      Sole Proprietors – If your business name does not include your legal first and last name, you will probably need one of the following documents:

       Fictitious Name Statement
       Certificate of Assumed Name
       Business License

      LLC or Corporations – If your business is a Limited Liability Company or Corporation, you will need one of the following business documents:

       Articles of Organization
       Certificate of Organization
       Certificate of Formation

      For some banks if you have a personal account already established they will not require any additional ChexSystems report on the signor of the account. They may only require tax payer identification no. and business documentation.

  39. ALISHA

    May 15, 2015 at 12:30 am

    So I need to open an account and today I went to BMO Harris Bank and the guy there said that I was denied because of me oweing chase money. so he suggested to try compass since they are telechecks. so I a wondering if their system is going to show anything. Also I live in mesa, AZ and was wondering what other banks I could try id compass bank does not work out for me. I also owe Bank of America less than $100 and Wells Fargo $240.

    • Lisa Phillips

      May 15, 2015 at 1:01 pm

      Compass Bank should be okay for you. You can also try a few other Arizona No-ChexSystems banks found here.

  40. Don

    May 12, 2015 at 5:17 pm

    I tried U.S. Bank today and was declined.

  41. Diania

    April 30, 2015 at 2:33 pm

    I would like to know which banks in s.c. that doesn’t use chexsystem.

    • Lisa Phillips

      April 30, 2015 at 10:11 pm

      There are several nationwide options listed above on this page. You can also find a few listed here.

  42. mary

    April 29, 2015 at 8:02 pm

    I’m having trouble opening a checking account because of chexsystems. I got denied by a few different banks. Do you know any banks in the Massachusetts area that are non chexsystem banks or second chance bank I can go to?

    • Lisa Phillips

      April 29, 2015 at 11:50 pm

      Try Washington Savings Bank. It’s located in MA. They do run ChexSystems but have less stringent requirements. The Rewards Card Checking account requires direct deposit of payroll or government benefit.

  43. guy

    April 29, 2015 at 1:35 pm

    i just open an account with them since i have csh management account but am trying to find how to can set-up direct deposit

    • Lisa Phillips

      April 29, 2015 at 11:57 pm

      Use TD Ameritrade’s direct deposit form found here.

      • Lisa Phillips

        May 4, 2015 at 4:40 pm

        You might want to try banks in your area that have local branches where you can walk in and open an account. They can be more helpful to you in answering questions about their products and services. These are the banks I know of in the Texas area that may open an account for you.

        Woodforest Bank – They offer a “Second Chance Checking Account.”

        1st Convenience Bank – Last I checked they did not Chexsystems, Telecheck, or EWS. Practically anyone can open an account. There may be a location near you.

        Bank of Texas – They offer second chance checking called “Opportunity Checking” and have several locations in Texas.

        • guy

          May 13, 2015 at 1:12 pm

          hello i just open an account with this bank with no problem discoverbank

  44. Paris

    April 28, 2015 at 6:55 am

    Hello Lisa, I am on the early warning report for Bank of America and FifthThird Bank. I am trying to open an account but I am not having any luck. I have tried numerous second chance banks in Illinois but been denied. I am an employee with the United States Postal Service. Do you have any leads for any banks that will open an account for me in Illinois

    • Paris

      April 28, 2015 at 7:15 am


      • Jill

        April 28, 2015 at 9:59 am

        I would like options for a back-up account in the Grand Rapids, Michigan area. Also, does EWS have to remove you at some point? I have no idea if I’m reported there, I don’t think so, but it sure sounds discouraging if you are. What is considered fraud? NSF? Thanks Lisa!

        • Lisa Phillips

          April 28, 2015 at 11:04 am

          I don’t have any resources for Grand Rapids but there are several nationwide online options listed on this page above like Capital One 360 Checking Account or Washington Savings Bank.

          Fraud notations are vague. It pretty much means whatever the bank wants it to mean. Some banks use the term generically even if there is no fraud activity on the account. It’s unfortunate because a fraud notation is extremely detrimental and makes it harder to open a new account elsewhere. You can read more about EWS here.

      • Dom

        April 28, 2015 at 10:50 am

        Yeah credit union reported me possible fraud which is not true first how can you get that removed also I open a account with Tcf bank been open for about month due you know if they will close my account or do you think they seen it on their and didn’t care as longs as I don’t owe them money and my ews report is clear just owe money for suntrust bank that all but please advice me scared to have my direct deposit into the account and they closest I can’t go branch because I’m in California

        • Lisa Phillips

          April 28, 2015 at 12:42 pm

          ChexSystems and EWS are both consumer reporting agencies and governed by the FCRA. This means you have the right to dispute the negative items. There may be an error in reporting like wrong dates or amounts. But keep in mind it is very difficult to get removed from ChexSystems and EWS. You can read more about how to dispute ChexSystems here. You can also contact the bank that you owe, in writing, and offer to pay what you owe in exchange for deletion. It is called a pay for delete agreement. The bank is under no obligation to agree to delete but you never know until you try. Even if you pay, ChexSystems or EWS they can remain on your report. ChexSystems remains for 5 years and EWS records remain for 7 years.

          I know you’ve asked me about TCF previously and I can only respond the same way. I’ve never heard of someone getting their TCF account closed at a later date unless they have an EWS record. I think you will be just fine as long as you keep your account in good standing and don’t give them any reason to close your new account. If you are worried about direct deposit set-up, I can only suggest you exercise your own judgment. I said previously monitor your account, if it remains open setting up direct-deposit should not be a problem. However, you may want to find a back-up bank from the list above, in the area where you live to set-up direct deposit.

          • Dom

            April 28, 2015 at 11:13 pm

            Is vista print good place to get checks instead of three the banks please let me know thanks do they share or report to chrcksystems

          • Lisa Phillips

            April 29, 2015 at 9:58 am

            I do not know about Vistaprint. The three companies I do know are safe are: Costco Check Printing, Checkworks or Harland Clarke.

    • Lisa Phillips

      April 28, 2015 at 10:16 am

      There are several options listed above on this page. There are a few more options listed here also.

  45. Darien

    April 27, 2015 at 12:03 pm

    Hey Lisa, I’m a college student that was careless with my information and had false checks deposited in my account. I just finished filling out my EWS paperwork and am ready to submit it. I have tried to open banks at PNC, Suntrust, and Wells Fargo. But I haven’t had any luck. My concern is that I’m actually in a delayed entry program for the Air Force, where I leave for basic training in June. I really would like to have a bank account before I go off to training. Your help would be greatly appreciated, thanks so much.

    • Lisa Phillips

      April 27, 2015 at 12:40 pm

      I really like USAA Bank for you since they primarily serve the military, unfortunately they use EWS. But while you are dealing with your EWS record I suggest you try Navy Federal Credit Union. It’s a great bank with many excellent products that members with imperfect credit can get approved for. You are definitely eligible for membership since you are in a delayed entry program. You may have to provide your enlistment contract as proof. Good luck to you.

      • Mike

        May 4, 2015 at 7:46 pm


        Have Darien contact Fort Sill National Bank…

        I had the same issue when I entered the Air Force last year. You have to apply via telephone but it’s quick and easy. Great customer service!

      • Darien

        May 23, 2015 at 7:42 am

        Lisa, thank you so much. Is there any way that I could show my gratitude for your service? I appreciate it a ton. Made my air force entry that much easier, thank you.

        • Lisa Phillips

          May 25, 2015 at 11:20 pm

          Darien, you are very welcome. Coming back to visit the website to express your gratitude is more than enough. Very glad I could help. Take care!

  46. shatoya jones

    April 26, 2015 at 3:22 pm

    I would like to know what can you do as far as getting an account or a prepaid account if you were reported to EWS? I’m in NYC please help

  47. Amanda Jones

    April 23, 2015 at 4:07 am

    Hi Lisa I opened a Chase account in 2008,2009 however my mom overdrafted my account putting gas in her car I’m on the Checklist system (I was 18 at the time) I opened a Wells Fargo account through my grandma on her account for a job then after sometime I got my own Wells Fargo account and ordered a credit card (all happened in 2013-2015) my balance was 1,500 so I spent it due to an emergency I tried to deposit my tribal check along with my insurance claim check but I was told by the Wells Fargo employee that it was barely closed the beginning of March and that it went to collections what options do I have? Can I pay off my Chase account it’s not expensive then open another account or my old account with Chase? Can I be under my husband account? Please help

  48. Katy

    April 22, 2015 at 11:03 pm

    Wondering if you knew of any second Chance accounts in Indianapolis?

    • Lisa Phillips

      April 23, 2015 at 3:00 pm

      Try Woodforest, it’s on the list above of Second Chance Banks. Old National Bank may also be a good option. At one time they helped unbanked consumers open a basic checking account with $50 minimum opening deposit and a $6.95 monthly fee. I would call a branch and open in-person.

  49. Jill

    April 22, 2015 at 5:07 pm

    I have had a Chase checking account for 2-1\2 years. I did just reorder checks (Deluxe) and do have an account in Chexsystems. Was this a terrible mistake? I do not have a back-up account.

    • Lisa Phillips

      April 22, 2015 at 6:21 pm

      After 2-1/2 years with an account in good standing at Chase, I think you’ll be just fine.

  50. Vanessa

    April 22, 2015 at 8:56 am

    Helly can you recommend any banks in the atlanta area that does not use chexsystems?

    Thank you,

    • Lisa Phillips

      April 22, 2015 at 1:18 pm

      Renansant Bank is not directly in Atlanta but in fairly reasonable driving distance. They are on the list above. You can also try Peach State Federal Credit Union, they have a Fresh Start Checking account for members who normally would be unable to open a checking account. It comes with a debit card and has a monthly fee. After 12 consecutive months, you can request to have the account changed to either a Basic or Premium Checking Account.

  51. Tom

    April 16, 2015 at 1:54 pm

    I have introduced a friend of mine in San Diego who is struggling to open a checking account due to chexsystem to TD Amertride Cash Management. Unfortunately he was denied.

    • Lisa Phillips

      April 16, 2015 at 8:29 pm

      That is unfortunate because TD Ameritrade Cash Management Account is so easy to get. Tell your friend to try an in-store branch of US Bank. In San Diego, Vons and Albertsons do have a few branches. Most “in-store” US Banks will offer a checking account to people on ChexSystems but you must not owe them any monies and the ChexSystems report MUST NOT indicate fraud. If that does not work BBVA Compass has a few branches in San Diego and he may be approved for a Savings account as long as he does not have an EWS record.

      • Sherri

        November 8, 2015 at 8:37 pm

        They denied me checking and a Visa debit card due to Chexsystems report. This was after they mailed me a debit card, so they definitely do “back office” Chex sweeps.

  52. Cory

    April 9, 2015 at 10:23 am

    Hi Lisa, Just curious, as I know that Wells Fargo is one of the creators of EWS, will they offer a second chance checking acccount for someone that is listed in EWS/Chexsystems? I have never banked with WF, so the listing would not be for there bank… Any info would be much appreciative. Have a blessed day!

    • Lisa Phillips

      April 9, 2015 at 1:24 pm

      From what I understand about Wells Fargo Opportunity Checking is that they may open an account for someone with an EWS record depending on what the report indicated and the age of the report but you must not owe Wells Fargo any monies. But if fraud is indicated it is a definite denial.

  53. Dominique

    April 8, 2015 at 11:47 pm

    Has anyone tried Us Bank I am curious to try it out

  54. Natasha

    April 8, 2015 at 1:34 pm

    Does anyone know if Regions bank use Checksystems or EWS?

    • Lisa Phillips

      April 8, 2015 at 11:06 am

      Regions Bank uses ChexSystems. But in some instances a branch office may override ChexSystems to open an account for you as long as no monies are owed to them. You have to be care with Regions Bank because their Loss Prevention Dept. may close or freeze your account a few weeks after it is open.

      • Natasha

        April 9, 2015 at 11:10 am

        I am somewhat confused. I researched Regions before I opened the account and I kept finding posts that state they did not use Checksystems; however, they used EWS. Is there a difference?

        • Lisa Phillips

          April 9, 2015 at 12:27 pm

          Yes, EWS is a different consumer reporting agency than ChexSystems. You can learn more about EWS and find out how to order your free EWS report here.

  55. Kay

    April 7, 2015 at 9:11 am

    Was just denied an account at Wells Fargo! Fraudulent information from 2008 is still showing up (I’ve been fighting this for years). I’ve tried PNC and CapitolOne 360, but to no avail…

    • Lisa Phillips

      April 7, 2015 at 9:57 am

      A ChexSystems record from 2008 should have been deleted by now. You need to dispute Chexsystems and request they remove outdated information from your ChexSystems report. Each negative item reported to ChexSystems can remain for 5 years but ChexSystems does not necessarily remove the negative listing automatically when the 5 year reporting period is over. It is up to you to check your report to make sure outdated information is deleted. You are entitled to a free ChexSystems report once every 12 months. You can also order a report for fee if you want to review your ChexSystems file more frequently. If they refuse to remove outdated information make a complaint with the Consumer Financial Protection Bureau.

  56. Tina

    March 25, 2015 at 7:45 pm

    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?

    • Lisa Phillips

      March 26, 2015 at 1:13 am

      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.

  57. Tanesha

    March 19, 2015 at 6:09 pm

    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.

  58. Lynn St Peterson

    March 19, 2015 at 1:14 pm

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

  59. Anonymous

    March 8, 2015 at 6:29 pm

    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 !!!!!

    • Lisa Phillips

      March 9, 2015 at 9:33 am

      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.

      • Dominick

        April 13, 2015 at 4:21 pm

        Hi I’m dom I want know I was reported to chexsytems and telecheck from a bank for fraud but I never did it and been denied but I open account today online and by phone with Tcf bank and got approved and funded account by card do you know if the use cb stems or should I be fine or do they do sweeps have you heard anyone get their account closed I see this is one of the banks on your list and I applied

        • Lisa Phillips

          April 13, 2015 at 4:49 pm

          TCF Bank representative stated they use ChexSystems but as long as you don’t owe them you should be okay. However an EWS record can get you denied. I would move with caution. If you are planning to set up direct deposit wait a few weeks to make sure everything is okay.

          • Dom

            April 13, 2015 at 6:28 pm

            Only checksystems record for couple banks just overdrawn but also one credit union reported me 3 years ago for account fraud for check but not true so do you think they seen my checksystems report and approved it because I don’t owe them also I never had account in colorado I am moving from CA to denver Colorado this coming week and needed real account so I applied their and the male representivr said I was eligible for product and approved for accounts checking and savings and I have my account numbers now but I hope they keep it open do you think they would as long as its good standing have you heard of them approving then closing accounts if I never had account with them or in that state please let me know what you think I’m so excited they gave me chance so j can get back on track I make to much money to have prepaid card lol any other bank you recommend but has Tcf been good one for people

          • Lisa Phillips

            April 14, 2015 at 1:06 pm

            I’ve never heard of someone getting their TCF account closed at a later date unless they have an EWS record. I think you will be just fine as long as you keep your account in good standing and don’t give them any reason to close your new account. It does not matter what state you live in, ChexSystems is a nationwide consumer reporting agency even though not all banks use them. But careful in applying with too many banks. That is also an action monitored by ChexSystems.

          • Dom

            April 14, 2015 at 1:22 pm

            Ok thanks for the info regarding Tcf if I move back to California will they still keep my account open also I applied for armed forced bank and they took my deposit and I ask the phone agent and she said if we take the deposit that means your approved so do you think they will keep it open I applied for account in California so what you think

          • Lisa Phillips

            April 16, 2015 at 7:00 pm

            From what I hear about Armed Forces you should be okay as long as you manage the new account well and avoid overdrafts. I see no reason why TCF would close your account for moving.

  60. Jennifer benner

    February 14, 2015 at 7:04 am

    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.

    • Lisa Phillips

      February 14, 2015 at 10:41 am

      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.

  61. guy

    January 31, 2015 at 9:29 pm

    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.

    • Lisa Phillips

      February 2, 2015 at 8:34 pm

      Have you tried any of the banks on the No-ChexSystems Banks above?

  62. Tori

    January 21, 2015 at 7:29 pm

    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.

    • Lisa Phillips

      January 22, 2015 at 10:36 am

      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.

      • Kay

        January 22, 2015 at 12:44 pm

        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.

        • Lisa Phillips

          January 23, 2015 at 10:41 am

          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.

  63. Charlie

    January 10, 2015 at 11:44 am

    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.


      January 15, 2015 at 1:31 pm


      • Lisa Phillips

        January 17, 2015 at 8:01 pm

        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

  64. G. Morrison

    January 2, 2015 at 4:11 pm

    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?

  65. DW

    December 24, 2014 at 5:43 am

    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?

    • Lisa Phillips

      December 24, 2014 at 11:29 pm

      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

        March 18, 2015 at 6:44 am

        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!

        • Lisa Phillips

          March 18, 2015 at 11:31 am

          Thank you for sharing. It’s really insulting to consumers to go into a big bank like Chase and be offered a limited prepaid card instead of a real bank account.

  66. Lexy

    December 15, 2014 at 12:38 pm

    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!!

    • Lisa Phillips

      December 15, 2014 at 1:53 pm

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

    • Lexy

      December 18, 2014 at 12:48 pm

      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.

      • Lisa Phillips

        December 18, 2014 at 6:12 pm

        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.

  67. andi

    December 5, 2014 at 10:03 pm

    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.

    • Lisa Phillips

      December 6, 2014 at 7:21 pm

      Thanks for the information, any Arizona residents looking for a second chance bank will appreciate it.

  68. Dana

    December 3, 2014 at 10:26 am

    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.

  69. Scott

    November 26, 2014 at 7:14 pm

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

    • Lisa Phillips

      November 28, 2014 at 9:58 am

      Thanks Scott for sharing this information for other readers. I don’t like it either when banks charge monthly fees but that’s not too bad for a second chance account.

  70. ashleigh

    November 20, 2014 at 7:07 am

    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

    • Lisa Phillips

      November 20, 2014 at 12:25 pm

      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.

  71. Lisa Phillips

    October 31, 2014 at 3:05 pm

    Thank you for sharing this information for other readers.

  72. Devin

    May 25, 2013 at 2:42 pm

    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?

    • Lisa Phillips

      May 25, 2013 at 9:04 pm

      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.

  73. Carolyn

    July 18, 2012 at 4:35 pm

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

    • Lisa Phillips

      July 18, 2012 at 5:36 pm

      That’s great to hear! You’ll enjoy USAA account products and their customer service.

  74. nika

    November 30, 2011 at 3:41 pm

    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?

  75. Online

    September 10, 2011 at 9:19 pm

    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.

    • Lisa Phillips

      September 10, 2011 at 10:21 pm

      Yes! That’s why it is already on the above list but thanks for the comment.

      • Jenn Brown

        July 1, 2015 at 10:11 am

        Is there a 2nd change in Goergia, I looked on Compass website but Georgia wasn’t listed.

        • Lisa Phillips

          July 2, 2015 at 9:12 pm

          There are several second chance or no-chexsystems banks in Georgia, try here.

  76. Charity

    September 9, 2011 at 3:02 am

    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.

  77. Kev_Greene

    June 10, 2011 at 1:43 am

    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.

  78. KingofPain

    June 9, 2011 at 2:22 am

    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!

  79. ShaneF

    June 5, 2011 at 12:10 pm

    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.

  80. Jennifer

    June 1, 2011 at 11:26 am

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

  81. Lisa Phillips

    September 23, 2015 at 11:03 pm

    (Disclaimer): I am not an attorney and strongly urge you to seek legal counsel. If you do not agree with a medical bill the first place to start is with the doctor. You should write a formal medical bill dispute letter. Medical bills can be confusing unless you’re a doctor, nurse, or healthcare professional. Submitting a medical dispute letter can be the first step in resolving the matter. Medical bills can always be pulled back from collection agencies.

    Review and evaluate the itemized statements received from the doctor. If there is an item on your detailed itemized statement you feel you may not have received or was unnecessary to your diagnosis, request a copy of your medical records to verify if this test or procedure was performed and/or ordered.

    Once you have analyzed your bills to determine which charges to dispute, you are now ready to draft the medical dispute letter. Make sure you provide details like your account information, details on the charges you’re disputing, and a statement that explains why they are being disputed. Also provide any supporting documentation along with your letter.

    A medical dispute letter will help the doctor understand why you feel these charges aren’t your responsibility. Be sure to include what outcome you want in order to resolve the matter. Request the doctor pull back the account from the collection agency and request they delete the negative reporting. After sending your medical bill dispute letter give the doctor at least 30 days to respond.

    The reason I suggest you start with a medical dispute letter is that most agencies that help consumers such as the Consumer Financial Protection Bureau, your state’s Attorneys General Office and even small claims court would like to see how you attempted to resolve the matter before making formal complaints or filing a lawsuit.

    Another option is to get the collection agency to agree to a payment in exchange for a deletion from your credit reports.

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