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 2016. 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:

1) Option 1: 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)

2) Option 2: You  open a Second Chance Account which is a bank account for people with ChexSystems or credit problems and  has some stipulations and limitations applied to the account. We have an article about The Best Second Chance Accounts of 2016 for more information about these accounts. You can also look at our State List of Non ChexSystems Banks. For many of the states we’e also included an updated list of second chance accounts for that state as well.

3) Option 3: You Successfully Dispute your ChexSytems Record to get the problem records removed

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 alterative 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.

The Best No ChexSystems Bank Accounts of 2016 (Option 1)

We highly recommend you read our other articles on this topic as well:

Here’s our list of legit no chexsystems bank accounts (many work too if you have Telechex and EWS records too)…

Discover Online Savings Account

This is a flexible savings account. Previously they 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

Washingtons Savings

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.

TD Ameritrade

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.

Renasant Bank

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 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.

USA Checking

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

United Bank

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 Compass

This bank gives a second chance account option if you have ChexSystems problems. There are reports that they will deny you if you have am EWS record, however.

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).

US Bank

There are reports of people being able to an an account here with bad credit and ChexSystems.

Woodforest Bank

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.


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:

  • Deluxe
  • 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 ClosureYour 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 & OverdraftsMore than one usually
Unpaid Negative BalancesUnpaid NSF (non sufficient funds  fees), overdraft fees, or other fees owed to bank you have not paid
Savings Account, Debit Card or ATM AbuseFraudulent 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 Fraudfraudulent check cashing or other fraud behavior


Suspected Fraud / Identity TheftModifying checks or giving fake information on applications (false identity)
Chex Systems Inquiriessome party doing a ‘check’ of your ChexSystems score — either employer, a bank, a credit agency, you, or some other enabled partyMay 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 CardsThis 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 2015 article


2. And also check out our list of SECOND CHANCE ACCOUNTS by state. 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.