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.

You can also see our list of Best Second Chance Accounts, which are accounts for people with EWS, Telecheck or our updated list of Non ChexSystems banks.

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

Credit Unions

  • 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

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