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.
Oftentimes, once your poor credit has been noticed you will no longer be extended the opportunity to bank with ChexSystems banks. Though 80 percent of banks use ChexSystems, there are still financial institutions that may work with you. You may have to do research to find these banks, but once you find them you won’t be turned down. These last chance banks give you the opportunity to improve your credit until the time when your name is no longer associated with bad credit, which happens to be five years.
Luckily, however, there are banks and credit unions often called ‘last chance banks’ or ‘no credit check banks’ which provide services to customers with bad credit. These financial institutions accept you, knowing that you are a risk. Usually banks that provide this service to at-risk customers will require some form of collateral or deposit, but it is worth it to rebuild your credit.
Kansas 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.
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 the State of Kansas
Armed Forces Bank (888) 929-2265
Metcalf Bank (913) 648-4540
Central National Bank Second Chance Checking
United Consumers Credit Union Second Chance Checking
National Bank of Kansas City Fresh Start Checking
More Non ChexSystems Banks in the US by State