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.

You can also see our list of Best Second Chance Accounts, which are accounts for people with EWS, Telecheck or our updated list of Non ChexSystems banks.

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

AL AK AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY DC