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. Oftentimes, once your poor credit has been noticed you will no longer be extended the opportunity to bank with ChexSystems banks.
Luckily, however, there are banks and credit unions often called ‘last chance banks’ or ‘non-ChexSystems banks’ which provide services to customers with bad credit. You are not the only person who has financial troubles. These financial institutions accept you, knowing that you are a risk. Sometimes, this means 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.
Virginia 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. Then, get onto the Internet and do a Google or Yahoo search for Non ChexSystems Banks in Virginia. They are out there, but you may have to search for them.
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 the state of Virginia
Acacia Federal Savings (800) 950-0270
Armed Forces Bank (888) 929-2265
Wachovia Corporation (800) 922-4684
First National Bank 2nd Chance Checking
Healthcare Systems Federal Credit Union Second Chance Checking
Member One Federal Credit Union Smart Choice Checking
PortAlliance Federal Credit Union Smart Choice Checking
Your Community Credit Union Fresh Start
More Non ChexSystems Banks in the US by State