The following banks and credit unions offer excellent features and benefits. While we recommend them, they are not our top picks for the simple reason that they are not guaranteed banks. They have however helped a lot of people, and may be able to help you too.
Alabama Central Credit Union
Alabama Central Credit Union pull credit reports on all new accounts.
It has been reported by several people that you can open a checking as long as the debt to the reporting bank is paid and there is no fraud listed on the report.
First Southern State Bank
It has been reported that they do not use anything other than proper ID.
Alabama Telco Credit Union
Alabama Telco Credit Union uses Equifax and will possibly approve you if you have a credit score of 600 or above.