If you are in ChexSystems or EWS in Massachusetts open a new account at a Massachusetts No-ChexSystems bank. Some credit unions even offer Massachusetts Second Chance Checking Accounts and there’s always the option of online checking accounts at No ChexSystems banks.
Online Options for Massachusetts No-ChexSystems Banks
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.
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®.
Massachusetts Second Chance Banks and Massachusetts No-ChexSystems Branch Options
(Note: This list is not exhaustive and in no way represents all banks in Massachusetts that do not use ChexSystems. You must visit the bank in-person to open an account)
Alden Credit Union
Alden Credit Union offers a second chance checking called No Boundaries Checking. The checking account is designed for members who need help rebuilding their financial lives. The account requires a $10 opening deposit and has a monthly service fee of $7.50. Other features include online banking, free bill pay, free notary service and an ATM card.
Hope Community Credit Union
Hope Community offers 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 a balance of $200 is not maintained. Account holders get unlimited paperless transactions.
Millbury Savings Bank
Milbury Savings Bank offers several checking accounts and only proper identification is required. Checking account features unlimited check writing with no per-check fees, free paper statements or eStatements, free online banking, mobile and telephone banking.
My Mutual Bank
My Mutual Bank does not use ChexSystems, only proper identification is required. Checking accounts feature no minimum balance, no monthly service charge, free unlimited ATMs worldwide*, no per item charge, debit card, free online banking and free bill pay.
Rollstone Bank & Trust
Rollstone Bank & Trust does not use ChexSystems but proper identification is required. The checking account offers no minimum balance requirements, no monthly fees, bill pay and mobile banking.
Tremont Credit Union
They offer Second Chance Checking with a monthly maintenance fee of $7.50. You must maintain a $50.00 average minimum daily balance.
They offer Second Chance Checking called Opportunity Checking. The minimum deposit required to open is $50. The account features a free Visa® Debit Card, online banking and bill pay and e-statements. There is a monthly service charge of $16.95 ($11.95 with direct deposit).