Many people find out that they are on the ChexSystems database by being denied the opportunity to open a checking or savings account. When an individual has bounced checks, kited checks, accrued NSF fees, or even had a negative balance for a specific amount of time; ChexSystems collects that person’s information and reports it for 5 years. Once your poor credit has been noticed you will no longer be extended the opportunity to bank with ChexSystems banks.
Even so, it is still often possible to find a bank that will extend services to you. 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.
Florida 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.
We recommend trying to apply for the BBVA Compass ClearChoice Free Checking Account. This bank is in Florida (so you can apply for the account) and they have a reputation for giving accounts to customers with bad banking history — like you.
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.
Also make sure to check out our updated list of Non ChexSystems banks.
Non Chexsystems Banks in Florida
ABC Bancorp (866) 616-6020
Bank United (877) 779-2265
CityNational Bank (305) 577-7333
Colonial Bank (800) 226-5228 **Now BB&T Bank**
Compass Bank (800) 266-7277
Raymond James Bank (800) 718-2265
United Bank (800) 423-7026
Wachovia Corporation (800) 922-4684
1st National Bank of South Florida New Opportunity Checking
Alabama Credit Union Fix It CheckingAlso in AL
Atlantic Coast Bank Coast Checking
Axiom Bank Opportunity Checking
CenterState Bank of Florida Fresh Start Checking
Central Credit Union of Florida Fresh Start Checking
Central Florida Postal Credit Union Second Chance Checking
City County Employees Credit Union Fresh Start Checking
Community First Credit Union Fresh Start Checking
Compass Financial Federal Credit Union Restart Checking
First American Bank Fresh Start Checking
First Florida Credit Union Smart Track Checking
Gold Coast Federal Credit Union Fresh Start Checking
Gulf Winds Federal Credit Union My Opportunity Checking
Jax Federal Credit Union Fresh Start Checking
JetStream Federal Credit Union Second Chance Checking
Liberty Savings Bank Clean Slate Checking
McCoy Federal Credit Union Fresh Start Checking
MembersFirst Credit Union of Florida Second Chance Checking
Okaloosa County Teachers Federal Credit Union Fresh Start Checking
One South Bank One South Opportunity Checking
San Antonio Citizens Federal Credit Union Second Chance Checking
South Florida Federal Credit Union Second Chance Checking
Florida State Employees Federal Credit Union (850) 474-1400
GTE Federal Credit Union (813) 871-2690
Members First Credit Union (850) 434-2211
More Non ChexSystems Banks in the US by State