Do you have poor financial credit? If you have found yourself on the ChexSystems database, you may be wondering how you will ever open another bank account. If you have poor financial credit, many banks will consider you a major 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.
Luckily, there are financial institutions that choose not to use ChexSystems as a method of screening customers. These financial institutions are often called ‘last chance banks’ or ‘non-ChexSystems banks’ provide services to customers with bad credit. These financial institutions accept you, knowing that you are a risk. While this can mean that they will require a deposit held in reserve, you should not have to pay for services that are normally free, such as making deposits or writing checks. You can use these banks while you are working on repairing your credit.
Arizona has several financial institutions that are Non ChexSystems Banks. These banks are helpful for you if you have questionable credit. It may be a good idea to start with these and see if they can provide the services you are looking for. You can also look on the Internet to find out if there are other options available for you.
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.
Non ChexSystems Banks in Arizona
Armed Forces Bank (888) 929-2265
Compass Bank (800) 266-7277
BNC National Bank (800) 262-2265
US Banks (800) 872-2657
Arizona Federal Credit Union (602) 683-1000
Second Chance Accounts in Arizona
Alhambra Credit Union Fresh Start Checking
Bank of Arizona Opportunity Checking
Banner Federal Credit Union Opportunity Checking
Bashas’ Associates Federal Credit Union New Start Checking
Canyon State Credit Union Second Chance Checking
MariSol Federal Credit Union Basic Checking
Pima Federal Credit Union Fresh Start Checking
TruWest Credit Union Opportunity Checking
Tucson Federal Credit Union Second Chance Checking
Tucson Old Pueblo Credit Union Mission Checking
More Non ChexSystems Banks in the US by State