Online Options for Louisiana No-ChexSystems Banks
BBVA Compass ClearConnect Checking
The BBVA Compass ClearConnect Checking Account does not use ChexSystems to screen customers. With the BBVA ClearConnect checking account customers not only enjoy free checking, mobile deposits, online banking, free bill pay, check writing and a Visa debit card but also a team of dedicated, professional relationship advisors – at no extra cost to you. If you are not eligible for the FREE checking account you will be offered the Second Chance Checking Account. The Second Chance account comes with the same features as the free checking account including a Visa debit card but there is a $13.95 monthly service fee. You can request to upgrade to the Free ClearConnect Checking after a year of positive activity on your Second Chance account. There is a minimum deposit of $25 required to a BBVA account that can be funded with a credit or debit card. Apply online today.
BBVA Compass ClearChoice Money Market
ANYONE can open this account! BBVA Compass ClearChoice Money Market Account is a No-ChexSystems bank account. 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 – the higher your balances, the greater your interest-earning possibilities. Open today.
USAA Free Checking
USAA uses EWS to verify customers. Membership is primarily for 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 is a great full-service bank offering products from credit cards for rebuild credit to renter’s insurance. USAA free checking offers ATM reimbursement and mobile check deposits. It takes $25 to open an account. See if you are eligible.
Louisiana Second Chance Banks and Louisiana No-ChexSystems Branch Options
(Note: This list is not exhaustive and in no way represents all banks in Louisiana that do not use ChexSystems. You must visit the bank in-person to open an account)
Fort Sill National Bank
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.
Woodforest offers a “Second Chance” account. The minimum opening deposit is $25.00. There is a monthly service charge which breaksdown as follows: $7.95 with direct deposit(3); $9.95 without direct deposit and a $9.00 one-time account set up fee.
Washington Savings Bank
The Rewards Card Checking offers deposit of payroll or government benefit with a monthly fee of $4.95 and $7.95 per month without direct deposit, you’ll receive a checkbook and Mastercard® debit card with no overdraft fees or ATM fees! Free nationwide ATM access at over 55,000 Allpoint®.
Most US Bank branches located “in store” branches will open a checking or savings account for consumers in ChexSystems; some “in-store” branches even have signs stating “Chexsystems? No Problem!”. But you must not owe US Bank money if they reported you to ChexSystems or have been reported to ChexSystems for fraud. Some regular branch locations may also open an account but it’s best to call first to inquire. The minimum opening deposit is $25.