If you are in ChexSystems or EWS find a new account at banks in Alabama that don’t use ChexSystems.
According to The Center for Enterprise Development, the state of Alabama has one of the highest percentages of unbanked individuals in the nation. Get back into banking. There are banks and credit unions that offer Alabama residents second chance checking accounts.
You don’t have to be unbanked in Alabama due to ChexSystems. Check out our list of banks in Alabama that don’t use ChexSystems. It’s estimated the unbanked can pay from 1-10% of salary for check cashing services.
Get back into banking. A negative ChexSystems record can remain 5 years unless you successfully dispute ChexSystems to get it deleted. For consumers with an EWS record, it can last for 7 years unless you’re able to successfully dispute EWS.
Whether you choose a bank or credit union, Alabama residents have several choices for banks in Alabama that don’t use ChexSystems. Take the time to build a solid banking relationship that will help you grow your money while maintaining a safe place to conduct daily expense transactions.
Banks in Alabama that don’t use ChexSystems
BBVA Compass offers an online checking account. It’s a fee-free account that makes it easy to manage your money on the go with mobile banking. BBVA has many locations throughout the state of Alabama. Customers enjoy free checking, unlimited check writing, cash back in categories like gas and groceries throughout the year. Free ATMs at BBVA and at 55,000 AllPoint ATMs in the network. Unlimited check writing, bill payment and mobile check deposit also included.
What else can you expect from this checking account?
- Apply with only $25 opening deposit
- No monthly Service Charge
- Earn cash back on everyday debit and credit card purchases
- Complimentary Online Banking and Mobile Banking, Bill Pay and Online Statements
- No ATM withdrawal fees at any BBVA Compass or Allpoint® ATM
- Compass Bank, Member FDIC
BBVA Compass offers great features with the ClearChoice Money Market Account like mobile check deposits, direct deposit, bill payment and ATM banking at BBVA Compass ATMs. The account requires a deposit of $25 to open. A money market account is like your basic savings account – the higher your balances, the greater your interest-earning possibilities. Open today.
Chime Bank is primarily a spending account to conduct your daily expenses that anyone can open. Get paid up to 2 days early with early direct deposit. Other features include no overdraft fees and no monthly service fees. If you need a check written, Chime Bank will create and mail a paper check for you at no charge. No opening deposit required. If you open a savings account too, you can save money when you make a purchase or pay a bill with your Chime Visa® Debit Card. Chime will round up transactions to the nearest dollar and transfer it to your savings account.
List of Alabama Banks and Credit Unions that offer Second Chance Checking
Open the “Fix-It Checking” account. There is no monthly service fee but there is a required $200 opening deposit. Account features are a Visa debit card, Free Online & Mobile Banking and Free Electronic Bill-Pay.
The “e-Checking” account is designed to help build financial stability. You have access to your money through a Visa debit card, free online and mobile banking. There is no minimum balance to maintain the account but there is a monthly service fee.
Central State Bank offers many different checking products and they have a Free Checking Account with a minimum $100 opening deposit. No monthly service charge, free logo checks and free ATM/Debit card.
Community Bank & Trust offers a checking account called “Second Slice.” The minimum required to open the Second Slice account is $100. You get unlimited check writing, ATM Card, access to mobile banking apps, e-statements and direct deposit is available.
Family Security Credit Union offers a “Give Me A Break Checking Account” designed to help members with prior checking account problems re-establish their checking account history. Members with a Give Me a Break Checking Account can apply for a regular checking account after 12 months in good standing. There is a $10 per month service fee.
First National Bank offers a Credit Builder Account for customers with direct deposit. If qualified it comes with a free MasterCard debit card, free online banking with bill pay and semi-annual credit counseling. There is no minimum opening deposit required.
Guardian Credit Union offers a Fresh Start Checking Account to give you the opportunity to correct your mistakes, focus on rebuilding credit, and work on better financial management. You can request to convert your account to Guardian’s Traditional Free Checking account after 12 months of positive account activity. No checks will be issued on this account.
Merchant Bank has several different checking accounts including a “Positively FREE” Checking Account with NO Monthly Service Charge; FREE Internet Banking; FREE Bill Pay (Limit 12 Per Month); FREE ATM; and FREE Standard Checks for 1 year.
Renasant Bank offers a wide variety of personal checking accounts, they do not use ChexSystems. All checking accounts come with Free Internet Banking; Free Online Bill Pay; Mobile Banking; and Debit Card with no monthly usage charge. If you are looking for a Birmingham, Alabama No-ChexSystems bank this checking account may be a good fit for you.
Sterling Bank has an Access Checking account with a $10 monthly service fee. It requires a $100 minimum deposit to open. Maintain a $1,000 average daily balance or have $500 in Direct Deposits to avoid the $10 monthly service fee.
The TVAFCU Checking account gives you a wide array of valuable features and benefits. The “Step-N-2-Checking” account offers a fresh start if you are looking for a No-ChexSystems bank in Tuscaloosa, Alabama. There is no monthly service fee and no minimum balance required. Get a debit card and unlimited check writing.
United Bank offers the “Gateway Checking Account” designed for customers with LOW or NO credit or who have had issues managing their accounts a second chance to qualify for a checking account. With proper account management you may be able to upgrade the account in 6 months. The Gateway Checking account features online bill pay for $4.95, mobile check deposit for $2 per deposit, telephone banking 24/7, itemized statements and e-statements, a monthly service fee of $10 and a variety of check options.
The Fresh Start Checking is for customers who have been denied opening a traditional checking account. The minimum opening deposit is $100. There is a $10 monthly service charge. The account features Internet Banking & Bill Pay, E-statements and Mobile Money.*
Woodforest offers a “Second Chance” account. The minimum opening deposit is $25.00. There is a monthly service charge which breaks down as follows: $7.95 with direct deposit; $9.95 without direct deposit; and a $9.00 one-time account set up fee.
You may want to review a List of Second Chance Checking Accounts and Non-ChexSystems Banks in other States.