If you have found yourself on the ChexSystems database, you may be wondering how you will ever open another bank account. If you have bad financial credit, many banks will consider you a risk. This occurs 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, there are usually banks called ‘no credit check banks’ or ‘non-ChexSystems banks’ which provide services to customers with bad credit. These financial institutions are willing to accept you, while 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. Then, after five years you are off of the black list and can get into a normal bank account.
West Virginia has several financial institutions that are Non ChexSystems Bank. You may want to start with this one and see if it can provide the services you are looking for. You can also easily do an Internet search for other non ChexSystems options. These types of banks are available, but it might require some searching on your part to find 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.
If you don’t want to spend the time and effort trying to open a Non ChexSystems Account, this company can help you find an alternative checking account solution.
Also make sure to check out our updated list of Non ChexSystems banks.
Non Chexsystems Banks in West Virginia
First Citizen’s Banks (888) 323-4732
First National Bank 2nd Chance CheckingAlso in VA
Clear Mountain Bank StartFresh CheckingAlso in MD
West Virginia Federal Credit Union Fresh Start Checking
More Non ChexSystems Banks in the US by State