If you have poor financial credit, many banks will consider you a financial risk. Banks consider a financial risk, someone who has 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.

ChexSystems is an agency that collects data on financial customers. They monitor for risks in order to protect banks and credit unions from extending services to people who have a habit of being financially irresponsible. When you show up on their database, you will be noted for a full 5 years. Once these five years are over, however, you can go back to more normal banking practices.

However, every state has what are sometimes called ‘last chance banks’ or ‘non-ChexSystems 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.

Ohio has one financial institution that is a Non ChexSystems Banks. You may want to start with it 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.

If you don’t want to spend the time and effort trying to open a Non ChexSystems Account, this company can help you find an alternative checking account solution.

Also make sure to check out our updated list of Non ChexSystems banks.

Non ChexSystems Banks in Ohio

Franklin Savings (513) 469-8000

Second Chance Accounts in Ohio

Buckeye State Credit Union                        Second Chance Checking

Chaco Credit Union, Inc.                             Second Chance Checking

Cheviot Savings Bank                                  Clean Slate Personal Checking

Cincinnati Central Credit Union               Direct Step Checking

Eaton Family Credit Union, Inc.               Second Chance Checking

Hopewell Federal Credit Union                Rebound Checking

IHECU                                                            Fresh Start Checking

Kemba Financial Credit Union                 Fresh Start Checking

Kent Credit Union                                       Fresh Start Checking

Lorain National Bank                                 Basic Checking

Members Trust Federal Credit Union    Second Chance Checking

Sun Federal Credit Union                         Fresh Start Checking

Superior Federal Credit Union                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