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 Oregon may have second chance checking accounts or may be a Oregon 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.
Oregon Second Chance Checking
BBVA offers an online checking account with No ChexSystems. It’s a fee-free account that makes it easy to manage your money on the go with mobile banking. You can access your account for free through a computer, tablet or smartphone. Another great perk with this second chance bank account is that you not only get to access BBVA ATMs for free, you also get free access to the AllPoint ATM network, which includes more than 55,000 ATMs nationwide.
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 or Allpoint® ATM
- BBVA USA, Member FDIC
BBVA offers great features with the ClearChoice Money Market Account like mobile check deposits, direct deposit, bill payment and ATM banking at BBVA 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.
Oregon Non-ChexSystems Banks and Fresh Start Checking
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.
Union Bank does use ChexSystems; however, they will open an account for you if the ChexSystems record is 1 year old, has been paid and does not indicate fraud. If the ChexSystems record is 3 years or older, Union Bank will disregard the record as long as it does not indicate fraud. The minimum opening deposit is $100.
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.
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®.
Non-ChexSystems Banks by State
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- West Virginia