Hundreds of dollars can be spent a year when you do not have a checking or savings account. In DC, it is estimated that the unbanked/underbanked spend roughly $800/year in check cashing and money order fees. It is an expensive reality that many DC residents are dealing with. Save money and avoid paying the cost of check cashing fees by opening a bank account at a Non-ChexSystems bank or credit union in Washington, DC. Even if you’ve had problems with an account in the past, or have never had an account before you may be able to open a new account in the District of Columbia.
Online Options for Washington DC (District of Columbia) No-ChexSystems Banks
BBVA offers an online checking account. It’s a fee-free account that makes it easy to manage your money on the go with mobile banking. Customers enjoy free checking, unlimited check writing, cash back in categories like gas and groceries throughout the year. Free ATMs at BBVA and at 55,000 AllPoint ATMs in the network. Unlimited check writing, bill payment and mobile check deposit also included.
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
- BBVA USA, Member FDIC
BBVA ClearChoice Money Market
ANYONE can open this account! BBVA 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 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.
Open a second chance checking account if you’ve had problems with ChexSystems or EWS. OneUnited Bank’s U2 E-Checking Account is for people with a less than perfect banking history. The online account is available in all states and requires a minimum opening deposit of $100. The monthly service charge is $12 but mobile banking and ATMs in the network are free. To apply you must first enter your name and email address plus choose the “Debit/Checking” option then click the button “Apply Today.” During the application process you’ll need to choose the “U2 E-Checking (2nd Chance) Account” option plus choose an artful debit card design or just the plain debit card design.
Chime Bank 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 Bank 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.
Washington DC Second Chance Banks and Washington DC No-ChexSystems Branch Options
(Note: This list is not exhaustive and in no way represents all banks in Washington that do not use ChexSystems. You must visit the bank in-person to open an account)
Library of Congress Federal Credit Union
Library of Congress Federal Credit does not use ChexSystems or EWS. You will need proper identification to open a Free Checking Account. You can earn dividends from first day of deposit, there are no monthly fees, no minimum balance requirement, no per check charges, unlimited check writing, a Visa debit card, online and mobile banking and direct deposit.
Navy Federal Credit Union
Navy Federal does not use ChexSystems or EWS to open a bank account but there are strict requirements to become a member. Membership is open if you are affiliated with the Armed Forces, DoD, Coast Guard or National Guard. This includes Army, Marine Corps, Navy, Air Force, and Coast Guard regular Active Duty and reservists, and Army and Air National Guard personnel. Active duty and Retired military are eligible but unfortunately Veterans are not. DoD civilian employees and contractors assigned to U.S. Government Installations may be eligible.
PNC Bank offers the “Foundations Checking” for customers that are entering or re-establishing themselves in the banking system. The account is eligible for upgrade to a regular account in 6 months with good account management. There is a monthly service fee of $7 and a fee for a paper statement is $2 per month.
United Bank offers several checking accounts and they do have a free account for everyone. The “United FREE Checking offers No minimum balance; No monthly service charge; No per check charge; Unlimited check writing; United VISA® Check Card*; FREE Online Banking; FREE Bill Pay and eStatements. They do not use ChexSystems. The minimum opening deposit is $50.
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®.
Wells Fargo – Opportunity Checking
This is a traditional checking account with a visa debit card and checks; however, it comes with some restrictions. This account will definitely help you stay within your budget. Deposits cannot be made through the ATM and you may not be able to get cash back immediately upon depositing a check. Once you remain in good standing for some time, Wells Fargo may offer you an upgrade to a regular checking account, with less restrictions.