If you are in ChexSystems or EWS open a new account at a Texas No-ChexSystems bank. Some credit unions in Texas even offer second chance checking and there’s always the option of online checking accounts at No ChexSystems banks.
Texas ranks as one of the highest populations of unbanked Americans. Due to ChexSystems or bad credit a large number of Americans do not have or use traditional checking or savings accounts.
Fortunately for the citizens of Texas there are several Texas banks offering second chance accounts as well as Texas No-ChexSystems banks. Get back into banking and stop wasting money at check cashing stores and with prepaid card fees.
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 Texas may have second chance checking accounts or may be a Texas 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.
Texas Online Checking Accounts for Bad Credit
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. Bank branches and ATM locations are located throughout Texas to serve you.
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.
Texas Second Chance Checking Accounts and Texas Non ChexSystems Banks
Bank of Texas offers an account called “Opportunity Checking” that is designed to let you start over even though you have a ChexSystems record. The minimum opening deposit is $50. The account comes with a Free Visa Debit Card, Online BillPay charge for a $3.95 monthly fee that includes 15 payments per month & $0.40 per payment thereafter. There is a monthly service fee of $14.95.
1st Convenience Bank does not use ChexSystems and can be opened with only $1. The Checking with Interest monthly maintenance fee is $12. Customers enjoy a FREE Debit MasterCard®; FREE Online Services and FREE Money Orders.
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.
Grand Bank of Texas uses Telecheck. They offer several checking accounts including the GRAND E-CHECKING that requires an opening deposit of $25, no monthly service charge and no minimum balance requirements. There is a $5 per month charge if you want paper statements with images – $5.00 per month.
Landmark Bank offers a second chance checking account called “Rebound Checking”. This account offers a free Visa® Debit Card, a free box of Landmark Bank logo checks and up to 5 ATM Network fees waived per-month. There is a monthly service fee of $9.99. Plus, if you keep your second chance checking account in good standing for 12 consecutive months, you will be eligible to switch to another checking account type, including Better Free Checking.
Premier America Credit Union offers a “Fresh Start” checking account for people with past ChexSystems records. The minimum deposit required to open an account is $25. There is a monthly service fee of $13 but it can be reduced to $10 with minimum of $200 monthly direct deposit. You must open the account in a branch.
TruWest CU has an account called “Opportunity Checking”. It is a second chance checking account that comes with a monthly service fee, ATM cash card or reloadable prepaid debit card with a VISA® logo, unlimited check writing and an opportunity to upgrade to a regular checking account if your account is in good standing for six consecutive months.
United SA Federal Credit Union offers a “Do-Over Checking Account”. There is a $25 minimum opening deposit, unlimited check writing, no minimum balance requirement and a monthly fee of $10. Other features include a MasterCard® Check Card, Free E-Bills with no limit on the number of payments.
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.
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.
You may want to review a List of Second Chance Checking Accounts and Non-ChexSystems Banks in other States.