Are you trying to open a checking account in Arizona, but can’t get approved? It’s probably because you have a negative listing in ChexSystems. Most banks in Arizona use ChexSystems to review your banking history.

Fortunately, you still have options. There are several banks that don’t use ChexSystems during the application process, and others that offer second chance checking.

Non-ChexSystems & Second Chance Banks in Arizona

Take a look at this comprehensive list of banks and credit unions in Arizona that either don’t use ChexSystems, or offer second chance checking accounts.


Our Top Pick
Apply Now

on Chime's secure website

With Chime®, bad banking history is not an issue. They offer an award-winning financial app, a debit card, and a credit-builder Visa credit card, all with no credit check.

The Chime Checking Account is 100% free and has no monthly fees:

  • no overdraft fees
  • no monthly maintenance fees
  • no foreign transaction fees
  • no minimum balance fees

They’ll even spot you up to $200 on debit card purchases with no overdraft fees.

You can also start building your credit with the Secured Chime Credit Builder Visa® Credit Card. It’s a secured credit card with no annual fees, no credit checks, and no interest charges.

Chime has over 60,000 fee-free MoneyPass® and Visa® Plus Alliance ATMs. Plus, you can get your paycheck up to 2 days earlier with direct deposit. You can also deposit cash for free at over 8,500 Walgreens.

You can see why Chime is our #1 choice.

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Our Second Pick
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on Aspiration's secure website

Aspiration’s Spend & Save Account hybrid checking and savings account that is entirely online. There’s a $10 minimum opening deposit to get started.

With an Aspiration debit card, you get unlimited fee-free withdrawals at over 55,000 ATMs and one out-of-network ATM reimbursement per month. You can also get paid up to two days early with direct deposit.

You can earn up to 5.00% APY when you spend $1,000/month and deposits are FDIC insured.

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Our Third Pick
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on Current's secure website

Current is a financial technology company, not a bank. The company does not use ChexSystems or pull your credit report, and they have a lot to offer.

A Current mobile bank account includes fee-free overdraft protection of up to $200. Account holders also get access to over 40,000 fee-free Allpoint ATMs with your Current debit card, and there is no minimum balance or hidden fees.

You can also get paid up to two days early with direct deposit with a Current Premium account. Plus, Current offers up to 4.00% APY with Current Savings Pods.

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1st Convenience Bank

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on 1st Convenience's secure website

The eAccount from 1st Convenience Bank is a second chance account with a low monthly maintenance fee of either $5 (with e-statements) or $7 (with paper statements).

You won’t be able to qualify for check writing services or overdraft protection with this account. You can, however, purchase money orders and use online banking and bill pay. Additionally, enjoy free ATM withdrawals at Gold Key ATMs.

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Alhambra Credit Union

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on Alhambra's secure website

Alhambra ‘s Basic Checking Account is designed for members who have a record in ChexSystems. You could qualify for an account if your history is a result of an unpaid closure or non-sufficient funds activity.

The cost is $10 per month, but you do get access to features like bill pay and free usage of Alhambra ATMs. You also get four free withdrawals each month at non-Alhambra ATMs. After that, you’ll pay just $2.25 each time.

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America First Credit Union

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on America First's secure website

Rather than using ChexSystems to determine eligibility, America First uses your Experian credit report. There’s no monthly fee for the Go Checking account, nor is there a minimum balance requirement. Plus, you’ll get free e-statements, online banking, and bill pay.

You can use over 80,000 ATMs for free across the country, with a daily withdrawal limit of $500. Your Go Checking debit card limit is $3,000 for purchases and $1,000 for POS purchases when you use your PIN.

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Banner Federal Credit Union

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on Banner FCU's secure website

Banner Federal is for employees of Banner Health System employees. Primarily in the Phoenix and Tucson areas, Banner FCU offers a second chance checking option.

The Opportunity Checking account is designed for individuals who want to establish a positive checking history. You get all the benefits of a typical checking account, but your activity will be monitored more closely.

If they sense your finances are in trouble, they’ll reach out to you. After a year, you can apply to upgrade to a normal checking account from Banner FCU.

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BOK Financial

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on BOK Financial's secure website

With BOK Financial, you can qualify for the Opportunity Checking account as long as your past accounts listed in ChexSystems are paid in full and you don’t have any history of fraud.

The monthly service fee is $14.95, but you can get that reduced to $9.95 a month if you set up regular direct deposits of at least $300. You’ll also need $50 to open your bank account.

Once you’ve managed your account responsibly for a year, you can apply to upgrade to one of their other checking options. With 1 location in Mesa and 2 in Phoenix, they offer an excellent checking account regardless of your ChexSystems history.

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Copper State Credit Union

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on Copper State CU's secure website

Copper State offers a comprehensive second chance account called Try Again Checking. You can qualify if you have a ChexSystems record involving an unpaid closure or non-sufficient funds. Before you can open your account, you’ll need to complete an online personal finance course called CheckRight.

Once that’s done, you’ll pay a $10 monthly fee. If you keep on top of your account for 12 consecutive months, Copper State automatically converts it to the CashBack Checking Account.

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Corporate Family America Federal Credit Union

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on Corporate Family America FCU's secure website

Members of Corporate Family America FCU can apply for the Fresh Start checking account regardless of your past banking history. There’s a $10 monthly fee and you’re required to have a $100 minimum balance in your Regular Share Account.

If you’d like, you can enroll in a free online study course called “Get in Balance” to help you learn how to better manage your checking account. This is a great chance to not only get a checking account, but also get better at handling your finances — for free.

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Cochise Credit Union

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on Cochise's secure website

Rather than using ChexSystems to screen new checking account applicants, Cochise pulls a credit report. So if your credit history is better than your banking history, this could be a good option for you.

Start with an opening deposit of just $25. There’s no minimum balance required with this account but if you keep at least $50 in there, you’ll earn 0.05% APY on your balance.

You also get access to other checking benefits, including a Visa debit card, online banking, and bill pay. Membership eligibility is based on either your Arizona zip code or your local employer, so check to see if you can qualify.

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Coconino Federal Credit Union

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on Coconino FCU's secure website

Coconino FCU offers more relaxed eligibility criteria for both of their checking accounts. You can qualify if you have just one paid ChexSystems record. Consider the Adventure Checking, which offers minimum criteria for opening the account. The monthly fee is $6, but there’s no minimum deposit or required balance.

Plus, you get normal checking benefits like mobile banking and deposit, bill pay, and no per check charge. Coconino FCU offers branch locations in Flagstaff and Page, Arizona.

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First American Community Credit Union

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on First American's secure website

The Second Chance Checking account offers a way to get your banking history back on track while also taking advantage of services like mobile banking. Your opening deposit must be $50 or more, but from there you don’t need to maintain a minimum balance. The monthly fee is $10.

With this account, you can use your account for 50 transactions each month for free. After that, you’ll pay $0.20 for each transaction. Once you’ve successfully maintained your Second Chance Checking account for 12 months, you can switch to another checking option from First American Community CU.

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Pima Federal Credit Union

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on Pima FCU's secure website

Pima Federal offers a Fresh Start Checking account. It’s designed to help people get back into checking who have had some mishaps in the past. There is a low monthly fee of $10 a month, but an account with PFCU gets you all the following:

  • Unlimited check writing
  • Access to 50,000 and counting surcharge-free ATMs across the nation
  • Debit Card
  • Mobile Access
  • Remote Deposit
  • Alerts and Notifications

If you’ve been denied access to other banks because of past credit challenges, Pima Federal’s Fresh Start was literally made to accommodate people like you.

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OneAZ Credit Union

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on AZCU's secure website

You can avoid a ChexSystems review with OneAZ (formerly known as Arizona State Credit Union) if you apply in person, in which case they’ll use EWS.

There are branch locations throughout the state, in and around Flagstaff, Prescott, Phoenix, and Safford. Check out the Arizona Checking Account, giving you access to both online banking and text alerts.

There’s a $7 monthly fee, but you can get it waived with one of the following: one direct deposit each month of at least $100; at least 10 purchases with your debit card each month; or a $2,000 aggregate average daily balance of loans and deposits through OneAZ.

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SunWest Federal Credit Union

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on SunWest's secure website

SunWest Federal is a ChexSystems bank, but if you become a member you can open a savings account with them. After one year has elapsed, you’ll be able to open a checking account, too, if the savings account remains in good standing. It’s a bank worth getting your foot in the door to because a checking account with SunWest comes with a lot of perks.

For starters, SunWest doesn’t require a monthly service fee, nor is there a minimum balance. Furthermore, they offer multiple overdraft protection options, free unlimited checking, and free mobile banking. If you eventually get a Premier checking account and maintain a daily balance of $1,000 or more, you can get paid dividends each month.

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Tucson Federal Credit Union

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on TFCU's secure website

Tucson Federal offers a second chance checking account for people who have had past incidents with other banks. To qualify you need to meet the following criteria:

  • Over 18 years old
  • Don’t have a current balance because of TFCU charge-off
  • Don’t have a current delinquency with TFCU
  • Don’t have a history of fraudulent activity on your ChexSystems account
  • Don’t have any balances owed on your ChexSystems account

A TFCU account offers many of the same perks that come with a regular checking account. Remain in good standing with TFCU, and you’ll automatically get upgraded to a standard checking account after one year has elapsed. Plus, if you’re interested, you may also qualify for a credit card at this time.

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Tucson Old Pueblo Credit Union

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on Tucson Old Pueblo CU's secure website

If you need to start rebuilding your financial history, Tucson Old Pueblo CU offers a checking account called Mission Checking. Mission Checking requires a $20 opening deposit, as well as a $20 monthly fee.

With this account, you get free online banking and bill pay, free access to in-network ATMs for both withdrawals and deposits, as well as a free debit card with direct deposit.

After a year has elapsed, account holders are encouraged to contact Tucson Old Pueblo and inquire about getting access to one of their standard checking accounts. Once you’ve strengthened your financial history, you’ll likely be able to jump over to either their Nickel-Back or classic checking accounts (neither of which has a monthly fee).

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Western State Bank

Apply Now

on Western Bank's secure website

Instead of referring to ChexSystems, Western State Bank uses your credit report for screening. If you have had some past mishaps with banks in the past, but have maintained a decent credit score, you may qualify for an account with WSB.

WSB offers four types of checking accounts, all of which come with unique benefits. They offer Free Checking, Future Checking, VIP Checking, and VIP Plus Checking. However, no matter which checking account you choose, you’ll get:

  • Free bill pay
  • Free direct deposit
  • Free identity theft protection
  • Free online and mobile banking
  • Free Telebank
Learn More →