25 Banks That Don’t Use ChexSystems for November 2022


Did you recently get turned down when you tried to open a new bank account? Around 15% of bank applicants get rejected for new checking accounts every day. One of the most common reasons is because they have been flagged by ChexSystems. Thankfully, there are some banks that don’t use ChexSystems.

Your first option is to go with a non-ChexSystems bank or credit union. These are financial institutions that don’t use ChexSystems at all when making decisions about new customers.

The next best alternative is a second chance bank account. These are checking accounts aimed at customers who may be in ChexSystems.

The difference between non-ChexSystems and second chance checking account is that your ChexSystems record might be checked when you apply for a second chance account.

If you’re ready to put your past beyond you, check out these banks below. They either don’t use ChexSystems or offer second chance bank accounts.

Top 10 Banks That Don’t Use ChexSystems

1. Chime

Our Top Pick
LetMeBank’s rating
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Features & Benefits

  • Over 14.5 million downloads
  • No credit check or ChexSystems
  • No minimum opening deposit
  • Over 60,000 fee-free1 ATMs

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

You can also start building your credit with the 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 60,0001 fee-free MoneyPass® and Visa® Plus Alliance ATMs. Plus, you can get your paycheck up to 2 days earlier with direct deposit2. You can also deposit cash for free at over 8,500 Walgreens.

You can see why Chime is our #1 choice.

2. Current

Our Second Pick
LetMeBank’s rating
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Features & Benefits

  • No credit check or ChexSystems
  • No minimum balance or hidden fees
  • Fee-free overdraft up to $200 with Overdrive
  • 40,000 fee-free Allpoint ATMs in the U.S.
  • Get paid up to 2 days faster

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.

3. Chase

Our Third Pick
LetMeBank’s rating
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Features & Benefits

  • No credit check or ChexSystems
  • $100 bonus after 10 purchases in 60 days
  • Over 16,000+ fee-free ATMs
  • Over 4,700 branches nationwide
  • $4.95 monthly service fee

Chase offers a checking account called Chase Secure Banking. The account comes with a Chase debit card that gets you access to over 16,000 fee-free ATMs.

Some features of this checking account include free online bill pay, free money orders and cashier’s checks, no overdraft fees, and no minimum opening deposit. However, there is also a monthly service fee of $4.95.

When you open a Chase Secure Banking account and make 10 qualifying purchases within 60 days, you’ll get a $100 cash bonus.

Account approval is immediate, and the debit card typically arrives within days.

4. Axos Bank

LetMeBank’s rating
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Features & Benefits

  • No credit check or ChexSystems
  • No overdraft or NSF fees
  • Unlimited ATM fee reimbursements
  • $50 minimum deposit required

Axos Bank doesn’t use ChexSystems or pull your credit report.

The Rewards Checking account from Axos Bank has no monthly maintenance fees, unlimited domestic ATM fee reimbursements, and it comes with cash back rewards.

You get unlimited free mobile deposits and your funds are FDIC insured up to $250,000. Plus, there are no overdraft fees or non-sufficient fund fees.

There are no minimum balance requirements, and you’ll only need a $50 deposit to open the account.

5. Aspiration

Features & Benefits

  • No credit check or ChexSystems
  • $10 minimum opening deposit
  • Up to 5% cash back on qualified debit card purchases
  • 55,000 fee-free ATMs
  • Get paid up to 2 days early

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.

6. Navy Federal Credit Union

Features & Benefits

  • 4 free checking accounts to choose from
  • No monthly service fees
  • No minimum balance
  • Up to $20 in ATM fee rebates per statement period

If you qualify for membership to Navy Federal, you won’t have to worry about them using ChexSystems. To become a member, you need to be either on active duty or retired from the U.S. military.

There are two free checking accounts from Navy FCU, one of which is Active Duty Checking. There’s no monthly fee, but you’ll need to receive direct deposit from the military.

If you do, you’ll get access to those deposited funds one business day earlier than usual. You also get $20 a month in ATM free rebates.

The other free account from Navy FCU is called EveryDay Checking. It’s a basic account that doesn’t come with any direct deposit requirements.

7. United Bank

Features & Benefits

  • Zero monthly service fees
  • No minimum balance
  • Free online banking, bill pay, e-statements, mobile check deposit, Visa check card, and more

If you live in West Virginia, Virginia, 

United Bank doesn’t use ChexSystems or a credit report to approve applicants. They offer three different checking accounts: United Free Checking, Platinum Checking, or United Rewards Checking.

United Free Checking has no minimum balance requirement and doesn’t charge a monthly fee. You will need a $50 deposit to open your account.


Features & Benefits

  • $5 opening deposit
  • 2 options with no monthly service fee
  • Free Visa debit card

FSNB doesn’t use ChexSystems or credit checks for new applicants. The minimum opening deposit is $5.

You’ll need to maintain a $75 balance to avoid paying the monthly $5.50 statement fee. Account holders get a Visa check card and free online banking.

9. Renasant Bank

Features & Benefits

  • No monthly maintenance fee with eStatements
  • Unlimited checks
  • Online banking with online bill pay and mobile banking
  • Comes with a Mastercard debit card

Renasant Bank uses ChexSystems, but it has built a reputation for being more lenient with negative records than other banks. As long as there isn’t a history of fraud and the applicant does not owe any money to Renasant, you may open an account.

Renasant offers four checking options: Renasant Checking, Student Checking, Rewards Checking, and Rewards Extra.

Checking accounts come with online and mobile banking (including remote deposit), bill pay, a free Visa debit card, and Renasant’s Mobile Wallet.

The mobile wallet currently works with:

  • Zelle
  • Apple Pay
  • Apple Pay Cash
  • Google Pay

10. Bank OZK

Features & Benefits

  • $50 minimum opening deposit
  • $5 – $12 monthly service fee
  • Free Visa Debit Card

Bank OZK offers a second chance checking account called Pathway Checking. There’s a $50 minimum opening deposit, but no minimum balance requirement.

The monthly service fee is $10 and you won’t earn interest like some of Bank OZK’s other checking accounts.

Pathway Checking comes with a Visa debit card, plus unlimited check writing, online banking, and mobile banking. You also get bill pay, with 15 free payments a month and each one costing $0.50 after that. 

What is ChexSystems?

If you’ve never heard of ChexSystems before, don’t worry, you’re not the only one. Most people only know about ChexSystems once they find out they’re listed in it.

ChexSystems is a consumer reporting agency that does two things: check verification and credit reporting.

ChexSystems is operated by Fidelity National Information Services which is a subsidiary of eFunds. The vast majority of banks and credit unions turn to ChexSystems to help them make decisions about whether to give new customers a checking account.

Customers who are listed in ChexSystems may have a negative banking history. It could be something as grievous as check fraud or as innocent as forgetting to pay an overdraft fee.

Either way, it can cause a banking institution to turn you down flat for a new account.

To learn about ChexSystems in-depth, please see our article, “What is ChexSystems?

Telecheck & Early Warning System

Note that some non-ChexSystems banks do choose to look up other records, like those maintained by TeleCheck or Early Warning System (EWS).

If you’re listed with either, you should be aware that you could still end up getting rejected for an account.

There are banks, however, do not reference any of these. It is also perfectly possible to have a record with ChexSystems but not with EWS or TeleCheck.

What to Do Now

There aren’t many banks that offer checking or savings accounts to people with bad credit. In fact, eFunds claims that over 9,000 banks in the US turn to ChexSystems to make screening decisions. Those 9,000 banks include over 100,000 branches in all. That’s over 80% of all financial institutions in the US.

While 80% may seem like an overwhelming figure, it should actually give you hope because it means that 20% are banks that don’t use ChexSystems.

So if you’re looking to open a checking or savings account right now, there is still hope.

You just need to choose one that doesn’t look at your ChexSystems records. For that, you have two different banking options: non-ChexSystems banks and second chance banking.

Banks That Don’t Use ChexSystems vs. Second Chance Banking: What Are the Differences?

Here is a quick comparison of non-ChexSystems vs. second chance bank accounts.

Banks That Don’t Use ChexSystems

  • Your ChexSystems record will not be checked when you are applying for an account.
  • Balance requirements should be low or nonexistent.
  • Maintenance fees are sometimes required.
  • Overdraft protection may be offered.
  • You will be able to enjoy the same services you would with a regular bank account such as online banking and bill pay.

Second Chance Banking

  • Your ChexSystems record is usually checked when you apply.
  • Sometimes you may need to pay maintenance fees.
  • You may be able to get overdraft protection.
  • After you establish trust, you will be able to get a regular checking account.
  • Since second chance banks do check your ChexSystems report, they know a little more about you. This may lead them to impose some other requirements. For example, you might need to take a personal finance class.

All in all, there aren’t many significant differences between the two options. Both give you the opportunity to get back to banking, writing checks, and making purchases with a debit card right now.

Other Alternatives to Banking Without ChexSystems

Here are a few other alternatives, but in most cases, we don’t recommend them.

  • Secured credit cards⁣ – Have some cash you can use as collateral? Use it to get a secured credit card. Be prepared for high interest rates and fees as well as smaller credit limits with these credit cards.
  • E-wallet – You can try signing up for an online service like PayPal. Some of them offer debit cards if you meet certain criteria.
  • Brokerage accounts – Brokerages do not run ChexSystems, so you may be able to qualify for a money market account even if you don’t qualify for a checking account. The balance and deposit requirements are often substantial, however, so you will need to be prepared for that.
  • Foreign bank accounts – This option is obviously far from convenient, but it is still something to consider, especially if you live near the Canadian border. There are some Canadian banks that will allow US citizens to open an account.
  • Prepaid debit cards – Of all the items on this list, a prepaid debit card is probably your next best option. It’s used just like a credit card and the fees are not as high as they once were. Some cards even come with online bill pay, free ATM withdrawals, and more.

You can see how these are not ideal options. They might help you out in a pinch, but the balance requirements, fees, and functional limitations can make it hard to establish financial stability.

Can You Dispute ChexSystems?

You are entitled to dispute any information contained in your ChexSystems report.

The Fair Credit Reporting Act (FCRA) makes it possible for you to dispute your ChexSystems report. However, it’s not easy; especially if the information on your record is actually accurate.

For example, it might be unfair that you are listed in ChexSystems because you failed to pay a $5 overdraft fee once. However, that doesn’t mean that ChexSystems will delete the record upon request.

ChexSystems is not concerned with fairness. Once you have a record, it will remain for five years since the date of the infraction if you cannot get it expunged.

How to Dispute ChexSystems

If you do want to initiate the process to try to get removed from ChexSystems, we have detailed instructions for disputing ChexSystems.

Either way, we recommend in the meantime that you apply for a non-ChexSystems checking account.

Even a successful dispute can be a lengthy and involved process. You might find that you are weeks or even months away from getting your record cleared.

Opening an account through one of our recommended providers above means you can enjoy all the benefits of a bank account right away.

What to Look for When Choosing a Checking Account

You have probably noticed that features and benefits can vary when it comes to checking accounts. Some accounts have drawbacks as well. What is important to look for when selecting an account?

  • Low or no balance requirements – Ideally none at all.
  • Low or no monthly fee – The lower the monthly fee, the better. The last thing you need to be doing while you are trying to get back on your financial feet is paying fees.
  • Free debit card – If you can personalize it, that is a nice added benefit.
  • Free ATM use – You want to avoid being spending $3 or $5 every time you want to withdraw cash from the ATM. Make sure that the bank you apply at offers you free access to a wide network of free ATMs in your area.
  • Option to upgrade – If a bank or credit union lets you upgrade automatically to a regular account after some time, that is a helpful benefit.
  • Likely to accept you – Remember, ChexSystems is not the only agency that might have a file on you. If you think you could be in TeleCheck or EWS, it makes sense to apply at an institution that will not be deterred by those records either.
  • Online banking features – You can check your statements electronically, see the funds available in your account, pay your bills, transfer money, and so much more. You might even be able to deposit checks. You can expect all of these same fantastic features with a high-quality checking account without ChexSystems.
  • Bells and whistles (if you want them) – There is no rule that an account has to be bare-bones just because a bank doesn’t use ChexSystems.
  • Transparency – Many customers end up in ChexSystems because of unclear policies and terms from their original banking institutions. Choose a bank that makes its rules and fees clear so that you do not find yourself in the red again.
  • Excellent customer service – Finally, customer service is incredibly important when it comes to picking the right bank. It can make the difference between a swift resolution to an issue to inadvertently ending up in ChexSystems again. So be sure to choose wisely.

Best Practices for Banking

Once you’re able to open an account and start making purchases and paying bills again, you will probably heave a sigh of relief.

It is essential to know however that there are still things that can go wrong.

Issues to Lookout For

  • The bank could view your ChexSystems record after opening your account. Perhaps they just started using ChexSystems and now they want to screen all customers. This could result in account closure.
  • There are some actions that you can take that might result in receiving a black mark in ChexSystems even though you have done nothing wrong. For example, something as innocent as ordering checks can cause problems.
  • If you do not keep your account in good standing, the bank might decide to close it, just as they would with a regular customer. It might take fewer red flags in your case however for the institution to decide to take action.

Tips to Protect Your Account

  • Do not overdraw your account if at all possible, even if there are no overdraft fees.
  • If there are fees to maintain your account, pay them all on time every month. Pay any other fees you are charged immediately to stay on good terms with the bank.
  • Try to order your checks only from companies that do not report to ChexSystems. Some options include Checkworks, Costco Check Printing, and Harland Clarke.
  • Banks often look more favorably on customers who set up direct deposit, regularly make purchases with debit cards, and so on. Even if you are not required to bother with this to get around a balance requirement or maintenance fees, think about doing it anyway. Your account is less likely to be closed if you demonstrate stable, reliable banking habits and demonstrate loyalty to the bank or credit union.

Keep an eye on credit reports, and also consider checking on your own ChexSystems report now and again to make sure that your record is clean.


Having a record in ChexSystems can make it very frustrating to try to open a bank account.

You have things you need to do, such as pay your bills and make purchases. Trying to do those things without a basic checking account is very hard. It can make you feel like you have fallen right between the cracks in life’s financial sidewalk.

Just remember, around 15% of checking account applicants every day have that same frustrating experience. That is why around 20% of banks and credit unions do not use ChexSystems, and even those that do may offer a second chance option.

While it is frustrating to discover you are listed in ChexSystems, it does not need to put a damper on your financial life. You are now familiar with some of the best options in both categories, and some alternatives.

If you apply for any of our recommended non-ChexSystems accounts, you could be approved quickly. Soon, you will have your new checking account and debit card and be ready to receive payments and make purchases!

Non-ChexSystems Banks by State

Looking for more information and additional options available in your area? Select your state from the list below to find out all your options for banking.

Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.

1. Out-of-network ATM withdrawal fees may apply with Chime except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

2. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. Chime generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.