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 Rhode Island may have second chance checking accounts or may be a Rhode Island 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.
Rhode Island Second Chance Checking
BBVA Compass 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 Compass 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 Compass or Allpoint® ATM
- Compass Bank, Member FDIC
BBVA Compass offers 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.
Rhode Island Non ChexSystems Banks
Chime Bank does not use ChexSystems. It’s primarily a spending account that comes with a Visa debit card. Works best with direct deposit because your direct deposit is made available 2 days earlier than your regular pay date. Other features include mobile check deposit and if you need a check written, Chime Bank will create and mail a paper check for you at no charge. $0 dollars is required to open the account, plus there are no monthly fees and no overdraft fees.
You can earn instant cash back on purchases from specific retailers, or in general categories like groceries, entertainment, utilities. Enroll in Chime’s automatic savings program and each week you’ll get a bonus reward equal to 10% of the total automatic savings deposits you made that week, up to $500 a year. That’s free money!
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®.
You may want to review a List of Second Chance Checking Accounts and Non-ChexSystems Banks in other States.