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10 Banks That Do Not Use ChexSystems (2020 Edition)

10 Banks That Do Not Use ChexSystems (2020 Edition)

ChexSystems, a company you’ve probably never heard about until you find your name in it.

Then a nightmare begins where you are ousted from the banking system.

Existing bank accounts are suddenly closed by your bank. Attempts at opening a new bank account at various national and local banks result in flat out rejections.

Welcome to the wonderful world of ChexSystems.

Most banks in the US use ChexSytems to screen new clients. It’s like having horrible credit, except while credit affects only your ability to secure credit products, a bad ChexSystems record affects your very ability to live.

Without a bank account, you are very limited in how you can live life.

  • How to you safely stash your money?
  • How do you get paid?
  • How to you pay for things?
  • How to you transfer money to people online?

The answer to all of the above, if you don’t have a checking account, not very easily.

What is ChexSystems

A national database banks use to keep track of banking clients with a  bad history at the bank. This ‘history’ may be:

  • bad check cashing
  • bank fraud
  • unpaid owed fees
  • account closure

Basically, ChexSystems is like a credit bureau, but instead of tracking credit history, it tracks your banking history.

Unlike credit history, ChexSystems is only negative — if you end up in the database, it’s because of something bad. It’s used to screen new (and existing) banking clients, often by large national banks that want an easy method of screening clients.

Why a Bank That Does Not Use ChexSystems

So what can you do if you can’t open a bank account due to ChexSystems.

The simple answer is to find a bank that does not use ChexSystems to qualify clients for a bank account; or does not weight too heavily on your ChexSystems record, if they use it.

Where to Find Legit Banks That Don’t Use the ChexSystems Database for Screening

You can try searching the web for banks that do not use Chexsystems. But often, this results in some inaccurate recommendations.

These banks are a bit difficult to find. The problem with listing non-ChexSystems banks is that these banks may suddenly switch to using ChexSystems. So any old lists might be outdated.

However, the main problem people encounter when trying to find a bank that does not use ChexSystems is that these banks don’t usually advertise which system they use.

And for security purposes, a bank does not like to advertise this fact to the world. This leaves people who can’t open a checking account because of Chexsystems with a bit of a problem.

10 Banks That Don’t Use ChexSystems

If you are looking for banks that do not use ChexSystems, know there are actually a few out there. Most of these banks use EWS which is a different system that provides a similar service.

We’ve done some research for you in 2020 to find some of the popular, current banks that don’t use Chexsystem but might use alternatives like EWS. This list is prone to change though and we’ve only included some of the major banks. There a host of local banks state banks, credit unions, and other types of institutions that may not use ChexSystems.

So don’t assume this list is definitive!

But it’s a good start.

1. BBVA 

BBVA is one of our favorite banks. They have a variety of accounts like free checking, high-interest checking, second chance accounts, savings accounts, and more. BBVA uses a different system called EWS if you are looking for a non Chexsystem alternative.

So if you have any problems opening up a bank account due to chexystems and you live in one of the United States (outside of Alaska and Hawaii) you can apply for an online account.

2. TD Ameritrade

TD Ameritrade has a good reputation for not working with ChexSystems. Note we have had a few comment saying they have closed down accounts because of ChexSystems, so the jury is still out on this. But right now, it seems to be it’s a mixed bag.

The key to getting an account is to open a brokerage account first, then from there adding on a checking account. This lets you skirt around their regular checking account requirements — at least for now.

3. Capital One

One of the more popular banks you see offered online (with online sign ups possible), Captial One is known for being lenient to those with ChexSytems histories. They do look at your ChexSystems report, but will only reject you have been flagged for banking fraud. Note that they may also consider your credit history, so if you have bad credit history and bad ChexSystems record, you may be denied.

4. Woodforest National Bank

Woodforest has had a reputation for a few years now of not working with ChexSystems. Specifically, they offer a special Second Chance Checking account option that you can look at. Unlike some of the other banks on this list, you’ll have to drop in a bank branch in person to apply for an account though.

5. Green Dot Bank

This is a large national online national bank. They are well known for not looking at ChexSystems, Telecheck, EWS, or Credit history as a prescreening for new clients.

However, they specialize more in a reloadable debit card that functions much like a regular bank account. That is you can add money, spend money, pull out money, and treat the card like a bank account. They used to offer a checking account option, but I’m not sure if this is still offered.

You can read about how their reloadable debit card works here.

So if you have bad banking history and a record with ChexSystems, and you want to give one of the more fully featured prepaid reloadable debit banking cards a good go, this one of the more popular services online that you can sign up for.

And unlike most of the banks on this list, you can apply online from anywhere in the US to get your card.

6. Wells Fargo

This national bank offers a special Second Chance account for people with negative ChexSystems scores. The account is full featured and gives you everything you need such as online banking, debit card access, and in-branch services. However, you’ll have to apply for the account in person — no online signups for you.

7. PNC Bank

PNC is known for their Second Chance Bank account offerings. Like the other banks on this list, this account gives you a new chance at banking. However, you’ll have to jump through some hoops first. Mainly, you’ll need to take a special online money management course offered by the bank AND apply for the second chance account (called Foundation Checking) in person at a branch.

8. Southwest Financial Federal Credit Union

This Texas bank offers a special checkless checking account aimed at clients with bad banking history. As it’s a credit union, it’s more lenient than banks when it comes to banking clients. So give this one a try if you can’t open a bank account with a bank.

9. United Bank

While more limited in location than some of the other banks, United Bank is a good bank for people with ChexSystems IF you live in one of the few states that house this bank.

As of 2017, you can only find this bank in Maryland, Ohio, Pennsylvania, Virginia and Washington, D.C.

If you live in one of these states, drop into one of the local branches in person to apply — you should be able to get a fully featured checking account.

10. Axiom Bank

This Florida bank gives everyone a chance with their bank account. The bank offers a special Opportunity Checking account for people with bad banking history. You’ll have to live in Florida to apply, but if you do, it’s probably your best bet for a bank account.

For more banks, look at our Best Second Chance Banks List or our List of Non ChexSystems Banks.

The Final Word

You don’t have to let ChexSystems or Telecheck interfere with the way you actually live your life. Many people are forced to live without a bank account because of these overbearing credit companies. You don’t have to endure this.

Many people are forced to live without a bank account because of these overbearing credit companies. You don’t have to endure this. You can fight ChexSystems, but this takes a lot of energy (and time).

Need a Bank Account but have ChexSystems problems or Bad Credit?

Try opening a BBVA Checking Account! BBVA is one of the more forgiving banks and may give you a full-fledged REGULAR bank account when you apply online...even with bad banking and credit history.

And if you don't qualify for the regular BBVA checking account for some reason, you'll then be given the option of opening the special BBVA Easy Checking Account, an account designed specifically for those with banking problems.

...learn more about BBVA Second Chance Banking here

We feel the easiest method is to simply go do banking with a bank that does not look at your ChexSystems score or a bank that offers clients with bad banking history a second chance through a special account.

About The Author

Ben Todd

Ben was a seriously broke graduate student with bad credit who after finding himself rejected for any sort of credit card or loan for most of his adult life, finally decided to get his financial life in order. ' He spent several years reading as many financial advice books and blogs as he could. And suprisingly, Ben found he actually LIKED the topic of personal finance; after fixing his own finances, starting his own successful work at home website business, and using his earnings to get out of debt, created to help others do likewise!


  1. James M Hrehowsik

    PNC Bank will NOT open an account with an EWS record. I know from experience.

    • Ben Todd

      Good to know that — I’ll make a note of this

      • H

        There are lots of United Banks in WV too. I was rejected at Wesbanco, but did get accepted at Huntington Bank. I am going to try to open one at United. Thanks!

    • catherine castro

      They only gave me this card called smart access

  2. Deb

    Thanks for the info, especially about BBVA Compass. I am in the middle of a separation/divorce, moved to a new state, was unemployed for a while, etc. etc. and have a chexsystems as a result. Needed an account for direct deposit on a new job and while I clear up all of this mess. I was successfully able to get an account with BBVA Compass. Thanks for the info….

    • Andrea L Foxx

      Hi my name andrea. how do i clear my name out chexsystems how do i fight it. What bank account not have chexsystems want clear my name . help.

  3. Scott

    If you’re on chexsystems and EWS. The Banks were you can open account are citizens, Huntington both has to be in person at branch. Capitalone and Discover can be opened online. But before that freeze ur chexsystems. One more thing of you’re reported to chexsystems once you payoff. Most likely after dispute it can be removed. But on EWS it is not that easy to fix it. But Not all banks report to EWS. Get your EWS report. If you see nothing as reported. You can get account at PNC, Chase, Wellsfargo, TCF, US Bank and Bofa.
    This is all from my experience. In last few years i was successful in opening bank accounts at 18 institutions with chexsystems record.

  4. VALIE Massoniger


  5. Taruun Siingh

    Hey guys thanks all for valuable information n experience sharing. If anyone can please tell what recommendations do u have if any foreigner wants to open a business checking account without visiting the branch. Please if anyone knows any thing please email. Your knowledge can help me a lot.

  6. Jade

    Do you happen to know if Bancorp uses this system? I signed up for a myvanilla card and it gives me the option to have direct deposit, but they use that bank and I need to know before I set it up.

    • Micah

      Bancorp does not use chexsystem, I have a chime account and they use that bank also.

    • Heather

      I applied at Bancorp South and was denied an account because they said I owe regions bank $200

  7. Jane

    Be very careful and research BBVA Compass before you decide to open any type account with them. There is a reason they open accounts for people in this situation. They will use manipulative tactics to ‘legally’ steal your money. It has to do with the way they process or debit your account. They have been sued in the past, but continue to charge ridiculously high overdraft fees and cause you to overdraft. For example, they use the term ‘clear’ to mean something other than your check has cleared or adjudicated from your account. It can mean it is as not cleared or it bounced. They have terms and processes different from every other bank I have ever done business with. They should be shut down in my opinion. I hope you will think carefully before using them. I spoke with branch managers. They could not explain how the company polices applied. I have also spoken with people that used to work for them. They will purposely overdraw your account.

  8. 221pisces

    FNBO opened an account for me when nobody else did due to $400 i owe BOA. Its also a second chance checking account.

  9. Chris

    Bank Of America and Associated Bank and REGIONS BANK doesn’t pull check systems. REGIONS BANK manager told me they don’t care if you owe any other bank money. REGIONS BANK and ASSIOATED are really good.


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