Banks in Maine that don’t use ChexSystems: Get a second chance account


Banks in Maine that don’t use ChexSystems can help residents open a new checking account and save money.

Approx. 114,000 residents in Maine — are unbanked or underbanked due to either excessive overdrafts or being blacklisted by ChexSystems or Early Warning Services.

The costs of conducting financial transactions without a bank account add up over a lifetime. If you’re using prepaid cards you are likely familiar with the costs and fees involved. Some prepaid debit cards have lots of fees, including monthly fees, ATM withdrawal fees, loading fees, balance inquiry fees, transaction fees and even dormancy fees – also called inactivity fees – for not using your card recently.

Free checking is available at several Maine non-Chexsystems banks.

Nearly 60,000 Maine households — or close to 10 percent of Maine households used prepaid cards in 2015.

In lower income or rural areas Maine residents should consider online banks. As online banking is growing in popularity, banks are offering the same services branch locations offer. Some online banks like BBVA even offer free ATMs with cash deposit and withdrawal services at out-of-network banks.

If you are in ChexSystems or EWS in Maine open a new account with a Maine non-ChexSystems bank or Maine second chance bank or credit union.

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

Banks in Maine that don’t use ChexSystems

BBVA Online Checking

BBVA offers an online checking account that utilizes EWS to verify new customers. 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.

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 or Allpoint® ATM. Deposit cash at some AllPoint ATMs.
  • BBVA USA, Member FDIC

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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. If you need a check written, Chime 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.

Eastmill Federal Credit Union

Eastmaill Federal Credit Union in Maine does not use ChexSystems or EWS. Applicants only need to provide proper identification. They offer a checking account with no minimum balance required and no monthly fees.

Five County Credit Union

They offer a Second Chance Checking account. Once a member has established an active account history for one year, they can request a conversion to a regular checking account. The Second Chance Checking offers check writing, online banking, e-statements, direct deposit, online bill pay and a Visa check card. There is a $5 monthly fee for the account.

Midcoast Federal Credit Union

Midcoast Federal CU does not use ChexSystems but they will run a credit report. They offer several checking account options to choose. Checking features include a free VISA® ATM/Debit Card, free eServices like Midcoast Connection, bill pay, eStatements and mobile banking.

Saco Valley Credit Union

Saco Valley Credit Union only requires proper identification to open an account. They offer a checking account with lots of features including no monthly fees, unlimited check writing, unlimited online bill pay service, online account management, direct deposit, free e-statement with online banking and overdraft protection is available.

Town & Country Federal Credit Union

Town & Country Federal CU does not use ChexSystems but they do run a credit report. They offer several different checking accounts to choose from. Some features include No monthly service fee no minimum balance requirements, unlimited check writing, free online banking with bill pay, free E-Statements and a free Visa® debit card. There is no minimum opening deposit required.

New Dimension Federal Credit Union

ChexSystems is used to verify new accounts but if it is paid for 1 or more years and fraud is not indicated, you may be able to open an account.

Infinity Federal Credit Union

They offer second chance checking called the “Bridge Checking Account.” It helps members get back on their feet. Members enjoy no monthly service charge, no minimum opening deposit and unlimited check writing.

Non-ChexSystems Banks by State

Second chance banking is available in all 50 States. Find additional options in your area and share the list of second chance banks with friends and family that may be unbanked.


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