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.
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