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Non ChexSystems Banks in Texas

Do you have poor financial credit?

Have you have found yourself on the ChexSystems database?

Then 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.

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.

Texas 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.

We recommend trying to apply for the BBVA Compass ClearChoice Free Checking Account. This bank is in Texas (so you can apply for the account) and they have a reputation for giving accounts to customers with bad banking history — like you.

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.

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.

Make sure to check out our updated list of Non ChexSystems banks and our l2017 list of Second Chance Bank Accounts.

Non Chexsystems Banks in Texas

Armed Forces Bank (888) 929-2265

Bank of Houston                                (713) 529-4881

BOK Financial (918) 588-6000

Chase Bank of Texas (800) 935-9935

Colonial Bank (800) 226-5228

Compass Bank (800) 266-7277

First Convenience Bank (800) 903-7490

Fort Sill National Bank (800) 749-4583

Frost Bank (800) 513-7678

MetroBank (888) 414-3556

Southwest Bank of Texas (800) 287-0301 **Now Named Amegy Bank**

SouthTrust Bank (800) 922-4684 **Now Named Wachovia Bank**

TexasBank (800) 281-3889

USAA Federal Savings (800) 531-8722

Second Chance Accounts in Texas

AAFES Federal Credit Union                             Fresh Start Checking

Abilene Teachers Federal Credit Union                 Restart Checking

Allied Federal Credit Union                                    Fresh Start Checking

American Airlines Credit Union                                   Ascend Checking

Associated Credit Union of Texas                            180 Checking

Bank of Texas                                                          Opportunity Checking

Baptist Credit Union                                                Second Chance Checking

Chocolate Bayou Community Federal Credit Union     Clean Slate Checking

First Service Credit Union                                             Fresh Start Checking

Houston Metropolitan Federal Credit Union                     Freedom-2nd Chance Checking

Kelly Community Federal Credit Union                                Second Chance Checking

Las Colinas Federal Credit Union                                            2nd Chance Checking

Members Source Credit Union                                              Select Checking

Members Trust of the Southwest Federal Credit Union    Start-Up Checking

Memorial Credit Union                                                                New Start Checking

Nascoga Federal Credit Union                                                 Fresh Start Checking

Neighborhood Credit Union                                                     Fresh Start Checking

North East Texas Credit Union                                                   Fresh Start Checking

Peoples Bank                                                                                     Second Chance Checking

Postel Family Credit Union                                                       Fresh Start Checking

Premier America Credit Union                                                      Fresh Start Checking

Prestige Community Credit Union                                               Fresh Start Checking

Red River Credit Union                                                                Fresh Start Checking

Rio Bank                                                                                              Fresh Start Checking

Select Federal Credit Union                                                                        Fresh Start Checking

Southside Bank                                                                                                Next Checking

Tarrant County Credit Union                                                                   Fresh Start Checking

Texas Bay Area Credit Union                                                                      Fresh Start Checking

Texas People Federal Credit Union                                                        Opportunity Checking

TruWest Credit Union                                                                          Opportunity Checking

United Heritage Credit Union                                                                       Choice Checking

Unity One Credit Union                                                                            Clean Start Checking

Velocity Credit Union                                                                                                Access Checking

More Non ChexSystems Banks in the US by State

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