Banks in Arkansas that don’t use Chexsystems: Get a Second Chance


If you’re in ChexSystems or EWS find a new account at banks in Arkansas that don’t use ChexSystems.

According to the Federal Reserve Bank of St. Louis, the state of Arkansas has one of the highest percentages of unbanked individuals in the nation at 9.7%, despite the total number of unbanked households decreasing overall.

According to the Financial Health Network, unbanked and underbanked Americans spent $189 billion in fees and interest on financial products in 2018.

There’s no reason to keep losing money to conduct daily financial transactions.

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, Arkansas residents have several choices for banks in Arkansas 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.

If you have problem credit consider bank accounts for bad credit as an additional option for checking accounts.

Banks in Arkansas that don’t use ChexSystems

Langley Federal Credit Union

Langley Federal Credit Union is headquartered in Newport News, VA. Membership is open to people in ALL States. You must open a share savings account with a minimum of $5 in order to open a checking account. Earn a $30 checking account bonus if you complete 10 debit card transactions within 60 days of opening your account.

Smart Checking Account Details

  • $0 minimum opening checking account but you must open a share savings account with a $5 minimum deposit
  • No minimum balance and No monthly service charge.
  • Free mobile banking.
  • Access 55,000+ Allpoint ATMs Nationwide.
  • Free online bill pay.
  • Get paid up to 3 days early with direct deposit.

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Chime 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. No opening deposit required. If you open a savings account Chime will round up transactions to the nearest dollar and transfer it to your savings account.

BBVA Online Checking

BBVA offers an online checking account that utilizes EWS to verify new customers. BBVA’s Online Checking Account is available nationwide. It’s a no monthly Service Charge account that makes it easy to manage your money on the go with mobile banking.

Customers enjoy free checking, unlimited check writing, cashback in categories like gas and groceries throughout the year. Free ATMs at BBVA and at 64,000 AllPoint ATMs in the network. Bill payment and mobile check deposit also included, you can even deposit cash at some AllPoint ATM locations. Apply with only $25 opening deposit.

Bancorp South

Bancorp South runs a ChexSystems report but they offer Second Chance Checking Account with unlimited check writing and a debit card. Open an account with as little as a $50 minimum opening balance.

Bank Of Arkansas

They offer Opportunity Checking designed to give you a fresh start from past financial challenges. The monthly fee is $9.95 with direct deposit and $14.95 without direct deposit.

Bank Of The Ozarks

They offer a second chance checking called Pathway Checking. The minimum opening deposit is $100 and there is a $10 monthly service fee.

Centenniel Bank

They offer a second chance checking account called Opportunity 100 Checking. The minimum opening deposit is $100. The monthly service fee is $9.95 with direct deposit or $12.95 without direct deposit.

Diamond Bank

They offer a checking account called Diamond Encore for people who are trying to start over after past mistakes. The minimum opening deposit is $100.00. There is no minimum monthly balance requirement.

First Service Bank

First Service Bank does use Chexsystems, EWS, Telecheck or credit report. They offer several checking accounts.

Focus Bank

They offer Fresh Start Checking. It takes $50 to open the account. Re-establish your credit. The Re-establish your credit. The $5.95 monthly service charge can be reduced to $2 when you enroll in eStatements.

Hope Community Credit Union

They do use chexsystems but you can still get an account once you become a member. They do offer an account called Easy Checking for those reported to chexsystems and those with a credit score of less than 600. There is a $9.95 a month if the balance of 200.00 is not maintained. FREE if balance of 200.00 is maintained.

Red River Credit Union

They offer Fresh Start Checking to help you get back on track and is available to members who may not qualify for a regular checking account. You will be required to take a Checking Account Management Education Program. The monthly fee is $10.

River Valley Community Federal Credit Union

They offer a second chance checking account. The ChexSystems record must be less than $300.00. Any previous account charge off or losses to the Credit Union must be satisfied. The monthly service fee of $5.00. Minimum balance to open is $100.00 and it must be placed on hold during the first 30 days.

Southern Bankcorp

Southern offers a wide variety of checking accounts and they do not use ChexSystems. Some of the checking accounts options are: No service fees; ATM/Debit Cards; Free unlimited checking; and, No or low minimum balance requirements.

Western Federal Credit Union

They offer a second chance account called Right Start Checking. Open with a $25 deposit and no minimum balance requirement. Pay no monthly or per-check fees and enjoy Overdraft Protection up to $250.