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.

FSNB

They do not use ChexSystems or TeleCheck. Most people are still being approved.

Southern Bancorp

We called and verified that they do not use ChexSystems or any type of credit report. They only need a valid ID and social security card.

First Service Bank

We called and verified they do not use ChexSystems or any type of credit report.