If you have poor financial credit, many banks will consider you a risk. Banks consider a financial risk, someone who has 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.
ChexSystems is an agency that collects data on financial customers. They monitor for risks in order to protect banks and credit unions from extending services to people who have a habit of being financially irresponsible.
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.
California has several financial institutions that are Non ChexSystems Banks. You should 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.
Non Chexsystems Banks in California
- Armed Forces Bank (888) 929-2265
- Broadway Federal Bank (323) 634.1700
- Fort Sill National Bank (580) 357-9880
- Summit National Bank (888) 895-565 **Now Called EastWest Bank**
- Union Bank of California (800) 238-4486
- WesCom Credit Union (888) 493-7266
- Family 1 Credit Union (714) 577-8454
- First Entertainment Credit Union (888) 800-3328
Second Chance Accounts in California
Alliance Credit Union Fresh Start Checking
Allied Healthcare Federal Credit Union Healthy Start Checking
Alta Vista Credit Union Opportunity Checking
American United Federal Credit Union FreshStart Checking
CoastHills (COOP) Second Chance Checking
E-Central Credit Union E-Builder Checking
Foothill Credit Union Rebound Checking
Heritage Community Credit Union 2nd Chance Checking
Kaiperm North Bay Federal Credit Union Fresh Start Checking
Kern Federal Credit Union Fresh Start Checking
Los Angeles Federal Credit Union Second Chance Checking
Mid Cities Credit Union Second Chance Checking
Premier America Credit Union Fresh Start Checking
Priority One Credit Union New Leaf Checking
Southland Credit Union Opportunity Checking
Ventura County Credit Union Second Chance Checking
More Non ChexSystems Banks in the US by State