If you have found yourself on the ChexSystems database, you may be wondering how you will ever open another bank account. Luckily, there are financial institutions that either choose not to use ChexSystems, or they subscribe to it but do not use the information to keep people from joining.
If you have poor financial credit, many banks will consider you a risk. This includes when you have bounced checks, kited checks, accrued NSF fees, or even had a negative balance for a specific amount of time. Oftentimes, once your poor credit has been noticed you will no longer be extended the opportunity to bank with ChexSystems banks.
However, every state has what are sometimes called ‘last chance banks’ or ‘non-ChexSystems banks’ which provide services to customers with bad credit. These financial institutions accept you, knowing that you are a risk. This can mean that they may require a deposit to be held in reserve, in case of NSF fees, etc. or it may mean that they require some form of collateral. Either way, you are able to rebuild your credit by using these alternative banks or credit unions.
Alabama has several financial institutions that do not use ChexSystems. You may want to start with these and see if they can provide the services you are looking for.
Please note that the information about non chexsystems banks changes each year (even month). We cannot guarantee any of the banks listed won’t do a non chexsystems check (though at the time of compiling, these banks don’t require a chexsystems check). You will have to call the banks to see.
We recommend trying to apply for the BBVA Compass ClearConnect Checking Account. This bank account can be applied for nationally and they have a reputation for giving accounts to customers with bad banking history — like you.
Even better, if you get your application rejected, they will offer you their Second Chance ‘BBVA Compass Easy Checking‘ Account. So either way, you should be able to get an account.
You can also see our list of Best Second Chance Accounts, which are accounts for people with EWS, Telecheck, or ChexSystems records.
Non ChexSystems Banks in Alabama
ABC Bancorp (866) 616-6020
Bank of Tuscaloosa (205) 345-4033
Central State Bank (205) 668-0711
Colonial Bank (800) 226-5228
Compass Bank (800) 266-7277
SouthTrust Bank (800) 922-4684 **Now called Wachovia Bank**
SouthFirst Bancshares (256) 245-4365
Renesant Bank (800) 680-1601
Sterling Bank (334) 244-4437
Alabama Credit Union Fix It Checking
Avadian Credit Union e-Checking
Azalea City Credit Union Opportunity Draft
Community Bank & Trust Second Slice Checking
Family Security Credit Union Give Me a Break Checking
First National Bank Credit Builder Account
Guardian Credit Union Fresh Start Checking
Tuscaloosa Federal Credit Union Step-N-2 Checking
United Bank Gateway Checking
West Alabama Bank Fresh Start Checking
Credit Unions in Alabama
Alabama State Employees Credit Union (334) 270-9011
Family Security Credit Union (256) 340-2000
Park Community Credit Union (800) 626-2870
More Non ChexSystems Banks in the US by State