Do you have poor financial credit? Would you even know if you do? 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. It is not merely possible to bounce from one bank to another either. Once you get into the ChexSystem, your information is available to all banks that use this type of system.
Luckily, there are financial institutions that choose not to use ChexSystems as a method of screening customers. These financial institutions are often called ‘last chance banks’ or ‘non-ChexSystems banks’ provide services to customers with bad credit. These financial institutions accept you, knowing that you are a risk. While this can mean that they will require a deposit held in reserve, you should not have to pay for services that are normally free, such as making deposits or writing checks.
Illinois has several financial institutions that are Non ChexSystems Banks. You should definitely start with the following list of banks 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 Illinois
Armed Forces Bank (888) 929-2265
Catlin Bank (217) 427-2176
Hawthorn Bank (877) 442-9846
Hebron State Bank (815) 648-2481
TCF National Bank (800) 823-2265
Second Chance Accounts in Illinois
Catholic & Community Credit Union Rebound Checking
First American Bank Fresh Start Checking
First National Bank and Trust Company Renew Checking
Great Lakes Credit Union Fresh Start Checking
Marquette Bank ReStart Checking
Prairieland Federal Credit Union Second Chance Checking
Rock Valley Credit Union Basic Checking
Suburban Bank & Trust Fresh Start Checking
More Non ChexSystems Banks in the US by State