BBVA Compass Free CheckingGuaranteed Approval
If you are in search of a ChexSystems-friendly checking account, BBVA Compass Free Checking is our top recommended choice. You can open this account with a minimum deposit of just $25, and rest easy knowing there is no monthly service charge. There are no ATM withdrawal fees, and you get your own personalized Visa debit card.
Unlike other banks, BBVA does not use ChexSystems or TeleCheck to verify new customers. Anyone can open an account!
Technically, both a regular version of this account and a second chance version are offered. Depending on your credit history, you may be approved for the regular account.
If you are denied a regular account, you will be offered the second chance banking account. This account includes all the same features as the regular account for a low monthly fee of $13.95. After you have developed a relationship with the bank, you may be re-evaluated later for the regular account. From that point on, you can bank fee-free.
- No monthly charges
- Easy, convenient online banking
- Free VISA Debit Card
- Mobile check deposit
- Free bill pay
- Free ATMs
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.
Northrim Bank does not use a company to verify a person that is opening a checking or savings account.
Matanuska Valley Federal Credit Union
Depending on the reason you were reported to ChexSystems, they may be able to open an account for you.
Spirit of Alaska Federal Credit Union
They do use ChexSystems but if the debt to the reporting bank(s) is paid and the report does not indicate fraud you can still get an account.
MAC Federal Credit Union
As long as it is reporting as paid or you provide them with the proof that it has been paid then you will be able to open an account.