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. It may require more determination to find the bank that can service your needs, but they are out there. Every state has what are sometimes 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. 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.
Maine has one financial institution that is a Non ChexSystems Banks. You may want to start with this and see if they can provide the services you are looking for. If not, try doing an Internet search for an up-to-date list of Non ChexSystems banks.
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 Maine
Bank of New Hampshire (888) 751-9000 **Now TD Bank**
Five County Credit Union Second Chance Checking
More Non ChexSystems Banks in the US by State