If you are looking for an actual list of banks that do not use ChexSystems, here is such a list. For many states, I also give banks in each state that offer SECOND CHANCE ACCOUNTS which are special restricted bank accounts for people with ChexSystems problems.

Keep in mind that Second Chance Accounts and Regular Bank Accounts are NOT the same account. You are better off with a regular bank account — and this is what you should try to open first. However, if you can’t, then look at Second Chance Accounts as your next option.

I’ve compiled as accurate a list as possible, but keep in mind some / many of the entries by state may be a bit outdated, so I cannot guarantee the information. You’ll have to find your state, call up the banks and specifically ask OR walk into the account branch and try opening an account.

THIS list is the most comprehensive one you’ll find on the web — and I’ve updated it for 2015 as accurately as possible (though I can’t promise anything so use at your own RISK).

If you find contrary information on the list that’s NOT accurate, please leave such a comment and I’ll update the list to reflect this.

For the most recent list of non ChexSystems banks (as of 2015), please see our Guide to Legit No ChexSystems Banks which has an updated list for banks accross the US (though, not ordered by STATE and it does not contain ALL the entires on this list by far) and our How to Open a Non ChexSystems Bank Account.

There are some companies that may be able to help find you a Non ChexSystems Account if you don’t want to bother with doing the work yourself. You can sign up for this service here.

The bank list are listed by state on a MAP and alternatively, a table below if the map is confusing.

Banks That Do Not Use ChexSystems (By Map)

Select by moving mouse over appropriate state and clicking

AL AK AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY DC

Banks That Do Not Use ChexSystems (By Table)

AlabamaArizonaCaliforniaConnecticutFlorida
HawaiiIllinoisIowaKentuckyMaine
MassachusettsMinnesotaMissouriNebraskaNew Hampshire
New MexicoNorth CarolinaOhioOregonRhode Island
South DakotaTexasVermontWashingtonWisconsin
AlaskaArkansasColoradoDelawareGeorgia
IdahoIndianaKansasLouisianaMaryland
MichiganMississippiMontanaNevadaNew Jersey
New YorkNorth DakotaOklahomaPennsylvaniaSouth Carolina
TennesseeUtahVirginiaWest VirginiaWyoming