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 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.
Luckily, however, there are banks and credit unions often 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. Sometimes, this means 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.
Colorado has several financial institutions that are Non ChexSystems Banks. You may want to start with these and see if they can provide the services you are looking for as they are listed as Non ChexSystems banks and this is what you need if you have poor credit.
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.
If you don’t want to spend the time and effort trying to open a Non ChexSystems Account, this company can help you find an alternative checking account solution.
Also make sure to check out our updated list of Non ChexSystems banks.
Non ChexSystems Banks in Colorado
Armed Forces Bank (888) 929-2265
Adams Bank &Trust (308) 284-4071
Compass Bank (800) 266-7277
Equitable Savings & Loan (970) 522-6522
TCF Bank (800) 823-2265
Valley Bank and Trust (303) 659-5450
Colorado State Bank and Trust Opportunity Checking
Liberty Savings Bank Clean Slate Checking
Metrum Community Credit Union Second Chance Checking
NuVista Federal Credit Union 2nd Chance Checking
Elevations Credit Union (303) 443-4672
More Non ChexSystems Banks in the US by State