Non ChexSystems Banks in Idaho
If you have poor financial credit, many banks will consider you a risk for opening an account. They will not want to extend credit to you at all. Banks consider risks as times when you have bounced checks, kited checks, accrued NSF fees, or even had a negative balance for a specific amount of time. If this happens to you often, you will find yourself unable to bank with ChexSystems banks. Oftentimes, once your poor credit has been noticed you will no longer be extended the opportunity to bank with any ChexSystems banks.
If you have found yourself on the ChexSystems database, you may be wondering how you will ever open another bank account. What do you do? Well, luckily, there are financial institutions that will work with people that have questionable credit. 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.
Once the five years that ChexSystems holds onto your information is up, you will be able to get into a more traditional banking system. However, until that time you will need to use a bank that does not use ChexSystems.
Idaho has one financial institution that is a Non ChexSystems Banks. You may want to start with it 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 Idaho
HomeStreet Bank (800) 719-8080
Scenic Falls Federal Credit Union Second Chance Checking
More Non ChexSystems Banks in the US by State