Do you have poor financial credit? 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.
Luckily, there are financial institutions that choose not to use ChexSystems as a method of screening customers. These financial institutions 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. This may not be an ideal situation, but it is better than the alternative. You don’t have to pay for everything with cash. This is impractical and inconvenient.
North Carolina 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. Start with this list and then try the Internet for the most up to date lists.
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 North Carolina
Allegheny First Bank (800) 723-4718 **Now Named LifeStore Banking**
Capital Bank (800) 308-3971
First Citizen’s Bank (888) 323-4732
Fort Sill National Bank (800) 749-4583
SouthTrust Bank (800) 922-4684 **Now Named Wachovia**
Second Chance Accounts in North Carolina
American Partners Federal Credit Union EZ 4 U Checking
Charlotte Metro Federal Credit Union Fresh Start Checking
More Non ChexSystems Banks in the US by State