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.
ChexSystems carries a customer’s information in their database for 5 years. This can be difficult to overcome without the assistance of banks and credit unions that are willing to extend their services to individuals with questionable financial credit.
Most states have 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. They do, however, sometimes require a security deposit be kept on file.
Washington has several financial institutions that is a Non ChexSystems Banks. You may want to start with these 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.
Non ChexSystems Banks in Washington
Armed Forces Bank (888) 929-2265
Cowlitz Bank (360) 423-9800
First Mutual http://www.firstmutual.com/
Home Street Bank (206) 389-6309
Timberland Bank (800) 562-8761
State National Bank (509) 789-4335
MountainCrest Credit Union Fresh Start Checking
More Non ChexSystems Banks in the US by State