Past financial difficulties can happen to anyone. If you’ve had trouble finding a bank account due to ChexSystems or EWS in the state of Washington there are some banks that offer a second chance. A bank or credit union can save you money. One of the most important is by saving you from unnecessary fees to check cashing places. You never have to pay to cash your own check again with a checking account or savings account.
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 Washington may have second chance checking accounts or may be a Washington 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.
Washington Online Checking Accounts for Bad Credit
BBVA Compass ClearConnect Free 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 ClearChoice Money Market
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.
Washington Second Chance Checking Accounts and Washington Non ChexSystems Banks
American Lake Credit Union
American Lake Credit Union does not use ChexSystems but they do use Telecheck to open new accounts. Several checking accounts are available including “Budget Checking”, “Regular Checking”, and a “Money Plus Checking” that pays higher daily dividends paid on balances over $5000.
Great Northwest Federal Credit Union
Great Northwest Federal Credit Union uses Telecheck to open new accounts. If you are interested in membership you must visit a branch office with a valid identification showing your current address. A $5.00 minimum deposit is required for a savings. Minimum checking deposits vary from $0 to $100 depending on the account type chosen.
Homestreet Bank
Homestreet Bank offers a checking account specifically designed for Washington residents who don’t currently have a checking account. The account requires no minimum account balance, there is no monthly service or per check charges. Proper identification is required to open the account along with a $50 deposit. The account features a Visa debit card, direct deposit, online bill payer, wire transfer services and more. Plus, HomeStreet Bank will give $100 to each new personal checking account customer who:
- Successfully completes a certified financial education class and provides evidence of completion (certificate or letter from the organization providing the training).
- Maintains a Bank On checking account at HomeStreet Bank for a minimum of 3 months with a positive balance.
MountainCrest Credit Union
MountainCrest Credit Union offers a “Fresh Start Checking Account” designed for those with previous credit or checking problems. The account features free bill pay, free online checking a debit card and overdraft protection from a savings account. A monthly fee of $10.00 applies to this account and you must maintain your account in good standing.
Mountain West Bank
Mountain West Bank does not use ChexSystems. Only proper identification is required. They offer several checking accounts all of which require a $50 initial deposit to open. Every account comes with e-statements, free online banking, free online bill pay, and free Visa debit card.
Salal Credit Union
Salal Credit Union offers a checking account for people with a “challenging” checking history called Pathway Checking. A $25 deposit is required to open the account. There is $10 monthly service charge associated with the Pathway Checking account but it can be reduced or waived. Make 15 or more debit transactions during the month to reduce the fee by $5. Set up a monthly direct deposit of $250 or more to reduce the fee by $5. Do both of these things each month and the $10 fee will be waived.
US Bank
Most US Bank branches located “in store” branches will open a checking or savings account for consumers in ChexSystems. You must not owe US Bank money and fraud cannot be indicated on your ChexSystems report. Some regular branch locations may also open an account but it’s best to call first to inquire. The minimum opening deposit is $25.
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®.
You may want to review a List of Second Chance Checking Accounts and Non-ChexSystems Banks in other States.
