Ben Todd | Jun 2, 2017 | 0
A Guide to Legit No ChexSystems Banks (2017 Edition)
One of our more popular topics is Non ChexSystems Banks, that is, a list of Updated major banks that don’t require ChexSystems.
We’ve given an older list (by state) of various Non ChexSystems banks.
You can also read the comment section — people often post their own recommendations and currently results when trying to open a bank. You may find some working banks listed there.
However, I thought I’d give an easy summary of banks that will allow you to open a new bank account even if you have a bad chexsystems record.
This is a list that’s updated in 2017. The reports come from our own experience and experiences that other people have reported. I’ll do my best to update it each year for you guys, but do help out and leave comments if you encounter problems with banks on this list or you find new ones.
As a disclaimer — the advice here is what it is: advice. I can not guarantee the recommended banks WILL 100 percent accept you or reject you with a ChexSystems record. The problem is that bank policy often changes and individual circumstances (and luck) can mean you might be able to open a bank account with a ChexSystems history while someone else with the same issue may find they cannot open an account. So, keep this in mind.
What To Do Do If You Have a ChexSystems Record and Need a Bank Account?
There are basically three options here when it comes to getting a no ChexSystems account:
Option 1: Find a Bank That Ignores ChexSystems
You open a regular bank account with a bank that does NOT use Chexsystems (or your Chexsystems record is ignored completely or the bank in question looks at your credit history or other information instead).
My best bank account recommendation for this is to try applying online for a BBVA Compass ClearChoice Free Checking account.
BBVA has been known to give out this account to people with ChexSystems problems. It’s a fully featured checking account so there will be NO limitations. If you get it, you’re done and you can forget about ChexSytems and that damn database for good.
Even better though, if your BBVA Compass ClearChoice Bank Account application is denied, then BBVA offers you their Second Chance account, which is called the BBVA Compass Easy Checking Account — this one is ready made for people with ChexSystems problems.
So this is your best bet.
Option 2: Open a Second Chance Account
A Second Chance Account is a bank account for people with ChexSystems or credit problems. My recommendation here is to apply for the BBVA Compass Easy Checking. BBVA will give this account to you if you apply for their regular checking account and get rejected — so you don’t apply for it directly. Just apply for the BBVA ClearChoice Free Checking first. If you get approved, then you get a fully featured checking account and problem solved. If your application is denied, you’ll be offered their pretty good Second Chance Account (i.e. the Easy Checking account).
The difference between a Second Chance Account and a regular bank account is the Second Chance has some stipulations and limitations applied to the account. You usually will have to pay a small monthly fee (which is something you might pay anyways if you get a non-free checking account from most banks).
We have an article about The Best Second Chance Accounts of 2017 for more information about these type of second chance accounts. You can also look at our State List of
You can also look at our State List of Non-ChexSystems Banks at the bottom of this post. For many of the states we’e also included an updated list of second chance accounts for that state as well. However, I can’t promise as to how accurate the list will be. You’ll probably have to call a lot of the banks and ask on the phone — and expect a fair number of them to say no as the list may be outdated slightly.
Option 3: Dispute Your ChexSystems Record (and win)
The third option is to successfully Dispute your ChexSytems Record to get the problem records removed by the company.
Now, note that just because these banks don’t look at your ChexSystems record, they still may look at other services that track your credit in some way, such as using EWS, Telecheck (the alternative to Chexsystems) or do a credit check.
I HIGHLY recommend you do a credit score check first to see what your actual credit history is because these banks might just look at that score instead of ChexSystems, so you need to know where you stand. You can have a bad ChexSystems score but a decent or great credit score — the two are not necessary related. So keep this in mind.
You can have a bad ChexSystems score but a decent or great credit score — the two are not necessary related. So keep this in mind.
The Best No ChexSystems Bank Accounts of 2017 (Option 1)
We highly recommend you read our other articles on this topic as well:
- Apply for the BBVA Compass Free Checking (you stand a good chance of getting a bank account even with ChexSystems problems). If BBVA rejects your checking account application, they’ll offer you their Easy Checking option which is a Second Chance Account.
- Chexsystems 101 (and introduction to Chexsystems, the problems it causes, and how to dispute or get around it)
- Make sure you read our article How to Open a Bank Account without ChexSystems too.
- And read our guide to getting out of ChexSystems if you are trying to escape from ChexSystems and want to remove the records from your history.
- Here’s our LIST of NonChexSytems Banks by State. Note this list MAY be outdated. Try the banks, but we can’t verify each 100 percent.
- How to Find out if You Are on ChexSystems
- Read our picks for the Best Second Chance Accounts of 2017
Here’s our list of legit no ChexSystems bank accounts (many work too if you have Telechex and EWS records)…
This is a flexible savings account.
A few years ago, people with ChexSystems problems were not allowed to open accounts here, but there are reports now that you can open a bank account with a ChexSystems record.
This bank account is actually a pretty decent one if you are looking for a savings account. They offer mobile check deposits and an interest rate of .95 percent, which is higher than the average by several times. You will need to put in a $500 deposit into the savings account when opening it but you don’t need to keep this amount in the account after you open it. It’s also a no monthly fee account, so no need to keep paying each month to maintain this account.
- No ChexSystems Requirement
- $500 deposit that does not need to be maintained
- No monthly fee
- Mobile check deposits
- .95% interest rate on savings
- Ability to apply for a checking account ONCE you open the savings account
If you are willing to live with the $10 USD fee per month, this bank account does do a ChexSystems check, but they won’t deny you an account because you have a record (the exception being a fraud report). There are some advantages to this account.
- Over 50,000 ATMs in the US
- Debit Card enabled
- Checking (with a checkbook)
- No overdraft fees
- $10 maintenance fee.
This is another option to consider if you need a non-chexsystems bank account.
The TD Ameritrade account does not do a ChexSystems check which means if you have a ChexSystems record, you can freely open this account.
However, there is a process you need to follow first. You need to open a brokerage account (TD Ameritrade is, in fact, a brokerage), then once you have the brokerage account created, you then need to sign up separately for checking abilities (which adds checks and debit card to your account).
- No ChexSystems or EWS requirements
- No minimum deposit
- No monthly fees
- Pay bills online
- Direct deposit allowed
If you are in one of the handful of states that has this bank, you can open an account even with a ChexSystems account. The exception for this being that you cannot owe the bank itself any money (which likely will not be the case). Note that TCFBank will look at your EWS record — so if you have both a ChexSystems and EWS history, you may not get this account.
TCFBank has branches in Arizona, South Dakota, Colorado, Michigan, Illinois, and Minnesota. As of 2015, no other states have this bank just yet.
The good news with this bank branch is they don’t care about either Telecheck, ChexSystems, or EWS — so you can have a record with one or more of these without a problem. The only condition is you can’t owe Renasant any money. There are only branches as of yet found in George, Mississipi, Alabama, and Tennessee.
This bank offers:
- Mobile banking
- Online application
- Free bill pay online
- Checking Accounts
This bank is only located in Mississippi, Alabama, Tennessee, and Georgia. You can have a Chexsystems, Telecheck or EWS record but there must not be any money owed to Renasant Bank. Checking accounts offer free online bill pay along with mobile banking. You can apply online.
For those who are connected with the military or have a spouse or parent who served in the military. Another bank account that does not use the ChexSystems database.
However, they do use the EWS system (an alternative to ChexSystems), so you may or may not get in if you apply. You need to put down a $25 deposit into the account to start it and you have the full range of regular bank services (credit cards, debit cards). USAA specializes specifically in military personal, so this bank won’t be accessible to you if you don’t have family members who have either had a USAA account and/or been in the military.
Capital One 360
You can open a Capital One 360 account with a ChexSystems history (they will do a lookup of your ChexSystems), but Capital One doesn’t not ONLY look at ChexSystems. They will pull your credit history and do a EWS report as well. The good news is that unless you have a history of banking fraud on your ChexSytems account, you still will be able to open an account provided you have a decent credit score. In years past, many people recommended the Capital Ones 360 as the best non-chexsystems account and pretty much a guaranteed way to start a bank account with bad chexsystems history, but now those policies have changed. If you have chexystems history and bad credit, you may be rejected. But it’s worth the try as they don’t only base acceptance on ChexSystems
A bank account to consider if you have problems due to ChexSystems. Keep in mind that only select states have United Bank Branches. The beauty of this bank is that they don’t do any ChexSystems checks. So if you have a United Bank branch in your state (currently Washington DC, Virginia, Ohio, Maryland, Pennsylvania have bank branches).
Fort Still National Bank
This bank, as of yet as reported by customers, does not do a ChexSystems check on customers applying for a new bank account. It’s worth checking out an applying if non of the other options work for you.
First Convenience Bank
If you live in one of the few states that have this bank, you are in luck as they do not do any credit check OR Chexsystems check. Additionally, they don’t look at Telecheck or EWS either, so you pretty much are guaranteed to be able to open an account here if you have a ChexSystems record. You’ll have to pay a $12 dollar fee though per month if you don’t meet their requirements every month (which has to do with keeping a minimum balance at all times in your account). Additionally, you’ll have to pay a dollar (yes, that’s $1 USD) to open a new checking account.
Note that as of 2105, you can only find First Convenience Banks in the states of Arizona, New Mexico, and Texas.
Second Chance Checking Accounts (Option 2)
If the above bank accounts don’t work, the next option is to look into Second Chance Checking accounts. There are designed for people with ChexSystems, Telecheck, EWS histories who can’t get regular bank accounts. Keep in mind that you will often need to pay higher monthly fees and you’ll have a number of restrictions applied to your account. If you prove yourself over a year or two though, the banks WILL upgrade your account to a regular account.
BBVA may give you their fully featured checking free checking account, even if you have chexsystems problems. And if they deny you for their regular checking account, they offer you a second chance account just for people with ChexSystems problems called BBVA Compass Easy Checking Account.
However, you have to apply for one of their regular checking accounts first and get rejected. Best case, you get a regular checking account. Worst case, you get a second chance account from them.
There are reports that they will deny you if you have am EWS record, however. But word on the street is BBVA is the go to bank for people with chexsystem issues.
The account features the following:
- no minimum balance requirement
- check writing
- visa debit card
- $14 USD service charge with a $25 deposit when you first open the account.
You can open this account even with a Telecheck or ChexSystems record (provide there are no reports on it of fraud on your part).
There are reports of people being able to an account here with bad credit and ChexSystems.
This bank has a specific ‘Second Chance Checking’ account you can apply for. You are given checking abilities, a debit mastercard, and regular bank abilities. However, you won’t be able to apply online but must go into the bank in person. unfortunately, this is not a nationwide bank, so there are some states that won’t have the bank.
How to KEEP YOUR ACCOUNT SAFE / OTHER INFO
Using the non-chexsystems banks list and the second accounts lists above, you should be able to open, with one of these options, a bank account even with a ChexSytems, Telecheck, EWS record, or bad credit history.
However, it is sill possible to have problems after you open the account.
Banks Can Still Close Your Account
Keep in mind that ONCE you have a bank account and you have a ChexSystems record, your bank may at any time shut your account down out of the blue. This could be because of a policy change or the bank does a ChexSystems check (after you have a bank account created), finds you in ChexSytems, and closes your account. Often, if you have money in the account and they close it due to ChexSystems, your balance will be frozen until things are sorted out.
So just be aware that even if you do have a bank account created, you may still lose it afterwards.
Ordering Checks Can Trigger ChexSystems Alerts
Also, if you order checks, some of the check companies will report your information to ChexSystems and ChexSytems may later your bank and your bank may then close your account. So to avoid this, make sure you order checks from companies that do NOT notify ChexSystems.
NON-SAFE Check Ordering Companies
There are reports these companies share information with ChexSystems:
- Designer Checks
- Checks Unlimited
- Current Checks
So avoid these companies if you can.
SAFE Check Ordering Companies
If you need checks, order from one of the safe companies so you don’t have any potential problems.
Disputing Record with Chexsystems
Finally, once you have an account, you should keep your account in good standing. ChexSystems records stay around for years (5 years). Even if you have an account (and are in good standing with the bank), it can still be closed if your bank finds out about your ChexSystems record (assuming you manage to open a REGULAR account because the bank doesn’t do a ChexSystems check. If you have a second chance account, this won’t be the case).
Here is a Table with what your ChexSystems records, description of those records, and how long the stay
|Account Closure||Your bank shut down account usually “for cause” (e.g., writing too many bad checks or fraud)||Removed after 5 years (unless you dispute it with Chexsystems and win or your bank withdraws record from ChexSystems)|
|Bounced Checks & Overdrafts||More than one usually|
|Unpaid Negative Balances||Unpaid NSF (non sufficient funds fees), overdraft fees, or other fees owed to bank you have not paid|
|Savings Account, Debit Card or ATM Abuse||Fraudulent behavior such as depositing empty envelopes at ATM or transferring more than the allowed transfer limits.|
|Outstanding Checks in SCAN Database of Returned Checks & Instances of Fraud||fraudulent check cashing or other fraud behavior|
|Suspected Fraud / Identity Theft||Modifying checks or giving fake information on applications (false identity)|
|Chex Systems Inquiries||some party doing a ‘check’ of your ChexSystems score — either employer, a bank, a credit agency, you, or some other enabled party||May be removed after 90 days (but a maximum of 3 years) if YOU do the check. If another party does the check, the record stays for 5 years|
|Lost Checks & Debit Cards||This information is not necessary bad and routinly reproted by banks as a matter of coruse, though it can indicate fraud or problems|
|Removed after 5 years (unless you dispute it with Chexsystems and win or your bank withdraws record from ChexSystems)|
|Check-Ordering History from Past 3 Years|
|Number of Accounts Applied for in Past 90 Days|
|Social Security Number/Driver’s License Validation and/or Verification|
The Final Word
We’ve given you a pretty complete template for getting a bank account if you have ChexSystems (or other problems). IF you try enough of these options here on this page, you should be able to open a bank account, eventually.
Two final suggestions if you still can’t open a bank account.
1. IF you want more options, look at our Best Second Chance Accounts for 2017 article
2. And also check out our list of SECOND CHANCE ACCOUNTS by state.
Need a Bank Account but have ChexSystems problems or Bad Credit?
Try opening a BBVA Compass Free Checking Account! BBVA is one of the more forgiving banks and may give you a full-fledged REGULAR bank account when you apply online...even with bad banking and credit history.
And if you don't qualify for the regular BBVA checking account for some reason, you'll then be given the option of opening the special BBVA Compass Easy Checking Account, an account designed specifically for those with banking problems.
...learn more about BBVA Second Chance Banking here
Just click on your state below and a page with a list of both non chexsystems banks and second chance accounts in that sate will appear. Give the second chance accounts (and the non chexsystems banks) on the list a try. You should be able to open a bank account with at least ONE of these banks listed.