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.
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 ChexSystems records.
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