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.
California Community Credit Union
They don't run the ChexSystems just a formal credit report.
They do sometimes open accounts for those reported to ChexSystems depending on the severity of the report.
They do not use ChexSystems or TeleCheck. Most people are still being approved.
Bank of The Sierra
Apply at a branch. If you apply online they will run ChexSystems.