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Non ChexSystems Banks in Florida

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

Credit Unions

GTE Federal Credit Union (813) 871-2690

Members First Credit Union (850) 434-2211

More Non ChexSystems Banks in the US by State


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