If you are in ChexSystems or EWS open a new account at an Arizona No-ChexSystems bank. Some credit unions in Arizona even offer second chance checking and there’s always the option of online checking accounts at No ChexSystems banks. According to a FDIC national survey Arizona’s unbanked households grew to 12.8% in 2013. Get back into banking and stop wasting money at check cashing stores and with prepaid card fees.
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.
Small Banks and Credit Unions in Arizona may have second chance checking accounts or may be a Arizona Non-Chexsystems Bank. More choices also exist at larger nationwide No-ChexSystems Banks and 2nd Chance Checking Accounts that will give you an opportunity to get back into banking.
Arizona Online Checking Accounts for Bad Credit
BBVA Compass offers an online checking account that uses Early Warning Services to verify new account holders. It’s a fee-free account that makes it easy to manage your money on the go. You can access your account for free through a computer or smartphone. Another great perk with this second chance bank account is that you not only get to access BBVA Compass ATMs for free, you also get free access to the AllPoint ATM network, which includes more than 55,000 ATMs nationwide. Bank branches and ATM locations are located throughout Arizona to serve you.
What else can you expect from this checking account?
- Apply with only $25 opening deposit
- No monthly Service Charge
- 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
There are great features with the ClearChoice Money Market Account like mobile check deposits, direct deposit, bill payment and ATM banking at BBVA Compass ATMs. The account requires a deposit of $25 to open. A money market account is like your basic savings account except with higher earning rates. That means you grow your money faster. The higher your balances, the greater your interest-earning possibilities. Open today.
Arizona Second Chance Checking Accounts and Arizona Non ChexSystems Banks
(Note: This list is not exhaustive and in no way represents all banks that do not use ChexSystems. You may have to visit the bank in-person to open an account.)
1st Convenience Bank is an Arizona second chance bank account option. 1st Convenience Bank does not use ChexSystems and can be opened with only $1. The Checking with Interest monthly maintenance fee is $12. Customers enjoy a FREE Debit MasterCard®; FREE Online Services and FREE Money Orders.
Free checking with no minimum balance requirements, no monthly fees, and a free Visa debit card. They pull Experian credit report.
Offers several checking accounts to choose from. They use ChexSystems if you apply online. EWS will be used if you apply in person.
Bank of Arizona offers second chance checking as long as the item in ChexSystems is paid and does not reflect fraud. The Opportunity Checking Account requires a $50 minimum opening deposit; Free ATMs; and has a monthly service fee of $14.95.
Bank of the West does run a ChexSystems report but they have a second chance banking program called “Fresh Start.” Your Chexsystem listing must be older than one year and it cannot be for fraud. Basic checking has a $10 monthly fee but it is waived when you: Maintain an average monthly balance of $1000; Receive a direct deposit of $250; or Use your Bank of the West Debit Card for 10 or more purchases during each statement cycle.
They offer second chance checking called Try Again Checking Account. It can help you build a history of responsible money management. If you have a record on Chex Systems due to an unpaid closure or NSF activity, Canyon State Credit Union may be able to help.
They offer a Fresh Start Checking Account that gives you the chance to rebuild your checking account history. You must eep a minimum balance of $100 in your Regular Share Account and there is a $10 monthly fee.
Conchise Credit Union uses a credit report to screen new customers. There is a $25 minimum opening deposit requirement.
Offers several checking accounts to choose from. They use Chexsystems but will open an account if there is only 1 paid ChexSystems record and no fraud was indicated.
You must bring show your paid in full receipts from any previously owed financial institution to open a second chance checking account. The monthly fee is $10.
Fort Sill National bank does not use ChexSystems but a credit report will be pulled. They have several checking account packages to choose from but the Basic Checking includes a $5.00 Minimum deposit required to open account, has no monthly fees, unlimited check writing and a Visa CheckCard.
They use Chexsystems but if you have only 1 report, over 1 year old, and it is paid and not showing any fraud, they will open the account Best to apply over the phone.
The Fresh Start Checking is designed to allow those who have previously been denied access to a checking account a chance to get back into banking. The Fresh Start Checking comes with a monthly fee of $10 and allows access to a checking account, unlimited check writing ability, a debit card and access to over 50,000+ surcharge free ATMs.
They use Chexsystems but with a membership you can open a savings. After 1 year, they will allow you to open a checking.
TCF Bank requires that you do not owe them any money. They have a Free Checking account with a minimum opening deposit of $25; FREE Online Banking & Bill Pay; FREE Mobile Banking; and FREE Withdrawals and Deposits at TCF ATMs.
TruWest CU has an account called “Opportunity Checking”. TruWest credit union is an Arizona second chance bank option. It is a second chance checking account that comes with a monthly service fee, ATM cash card or reloadable prepaid debit card with a VISA® logo, unlimited check writing and an opportunity to upgrade to a regular checking account if your account is in good standing for six consecutive months.
The Fresh Start Checking Account is called Mission Checking Account. It requires a minimum $20 opening deposit along with a $20 monthly service fee.
Tucson Federal Credit Union offers a Second Chance Checking Account. But you must not have any fraud indicated on ChexSystems and no owed balances to ChexSystems. The Second Chance Account offers you many of the benefits of a Regular Checking account and after 12 months of successfully maintaining your Second Chance Account, you will be automatically be upgraded. You may also qualify for a $500 Visa Platinum credit card.
They use a credit report when opening a checking account. For a savings, they do not run a credit report.
You may want to review a List of Second Chance Checking Accounts and Non-ChexSystems Banks in other States.