Banks That Don’t Use ChexSystems in Connecticut

Current doesn’t use ChexSystems or run credit checks, so approval is easy—even with a rough banking history.

There are no monthly fees, no minimum balance, and you get access to 40,000 fee-free ATMs.

You can also build credit by using your debit card—no loans, credit pulls, or interest charges.

Current includes fee-free overdraft protection up to $200 and lets you get paid up to two days early with direct deposit. Optional Savings Pods earn up to 4.00% APY.

SoFi doesn’t use ChexSystems and offers a no-fee checking and savings account with solid perks.

You can earn up to 3.80% APY on savings, access over 55,000 fee-free ATMs, and get paid up to two days early with direct deposit.

There are no overdraft fees, balance requirements, or monthly charges. You can also earn a sign-up bonus of up to $300 when you set up qualifying direct deposits.

Chime doesn’t use ChexSystems or run credit checks, so anyone can open an account.

There’s no monthly fee, no minimum opening deposit, and access to over 60,000¹ fee-free ATMs.

You can also build credit⁷ with the Secured Chime Credit Builder Visa® Credit Card—no annual fees, interest charges¹, or credit pull required.

Direct deposit users can get paid up to two days early², and cash deposits are free at over 8,500 Walgreens locations.

The Cash Back Debit Account provides 1% cash back on everyday purchases, while the Cash Back Plus Account enhances your rewards with up to 10% cash back and nationwide ATM fee refunds.

If you’re looking to earn interest, the High-Yield Checking Account offers a 5.50% APY on balances up to $15,000, with ATM fee reimbursements across the U.S.

Each account includes features like Early Pay, which allows you to access your paycheck up to two days early, and overdraft protection for additional security. Access to over 30,000 fee-free ATMs nationwide ensures flexibility for users on the go.

With branches in New Haven and Norwalk, Affinity FCU makes banking accessible for Connecticut residents seeking convenient and straightforward options.

To be considered, you must not have a history of fraud, and you must have paid back anything you owed to your previous banks.

CorePlus has locations in East Lyme, Foxwoods Resort Casino, Groton, Norwich, Pawcatuck, Plainfield, and Waterford.

To join you must either live, work, attend school, or worship in New London County or Windham County, or live in the Town of Hebron or work for the Town of Bolton. Membership is also available to immediate family members of current members.

They offer four types of checking accounts: Simple Checking, Free, Premier, and Check 24. Free checking does not require a minimum balance, but you must have at least $250 a month directly deposited. It comes with free bill pay, online banking, and e-statements.

If you don’t have a history of fraud on your ChexSystems report and don’t currently owe any money to a bank or credit union, you may be eligible to open an account.

Restart Checking requires a $25 opening deposit, and there is a $6.95 monthly service fee. However, after that, there’s no balance requirement provided you have enough to cover the monthly fee.

It comes with free online and mobile banking, unlimited check writing, a free debit card, phone banking, bill pay, and e-statements. Eastern Connecticut Savings Bank has locations in Norwich, Norwichtown, Jewett City, and Plainfield.

However, if you wish to open a checking account, your ChexSystems report must show no fraudulent activity, and any outstanding debts to banks must be settled.

Located in Enfield, Connecticut, ECFCU offers multiple paths to membership, and it’s recommended that you speak with a customer service representative to determine eligibility.

They provide five different checking account options, each with various features to meet members’ needs, including options that waive fees with direct deposit or a minimum balance requirement.

To join, you must either live, work, or worship in Hartford or Tolland County, or have an immediate family member who is already a member.

Called Re-Start Checking, this second chance checking account has a monthly service fee of $15. However, there is no minimum balance requirement.

It doesn’t come with all the bells and whistles that a normal account does, but it does come with a free debit card as well as unlimited check writing. FineX has locations in East Hartford, Manchester, and Vernon.

To qualify, you must first apply for a standard checking account. Once approved, you can apply for the second chance checking account.

The account has a $5 monthly fee, but if you maintain the account in good standing for a year, you may be eligible to transfer to a standard checking account.

Despite being a second chance account, it includes benefits such as free online and mobile banking, bill pay, online check imaging, unlimited check writing, and overdraft protection.

While Hartford FCU only has one physical location, it participates in the Co-Op Shared Branch network, allowing members to access over 5,000 branches nationwide.

To become a member, you must live or work in Hartford, Tolland, or Middlesex County and open a main share savings account with a $50 deposit.

Depending on your banking history, you may be required to maintain a positive account balance for the first three months before receiving a debit card.

The bank offers four types of checking accounts: Free Checking, Classic Checking, Direct Checking, and High-Interest Checking. Free Checking has no monthly fees or balance requirements and includes free online and mobile banking, along with free e-statements.

Jewett City Savings Bank operates branches in several cities across Connecticut, including Brooklyn, Dayville, Jewett City, Pawcatuck, Plainfield, Preston, and Putnam.

With a $25 minimum balance to open, a $10 opening fee, and a $10 monthly service charge, this account provides essential features such as online, mobile, and telephone banking, as well as access to surcharge-free ATMs through the Allpoint Network.

After six months of maintaining the account in good standing, you may be eligible to upgrade to an NHB Checking account with management approval.

New Haven Bank has branches in New Haven and West Haven.

As long as you don’t have a history of fraud and any past debts to the financial institution have been repaid, Seasons FCU may still approve your application.

If you’re only looking to open a savings account, your ChexSystems record will not affect your eligibility.

Seasons FCU has branch locations in Middletown and Meriden. Membership is open to individuals who live, work, worship, volunteer, or attend school in Middlesex, Madison, Meriden, Branford, North Branford, Cheshire, North Haven, East Haven, Wallingford, or Guilford.

If you’re looking to open a checking account, eligibility depends on your report. Fraud-related issues are not accepted, but if any past debts have been settled, you may still be able to qualify.

It’s a good idea to talk to a customer service representative before applying to save time.

To become a member, you need to live, work, worship, or volunteer in Fairfield, New Haven, or Hartford County, Connecticut. Alternatively, you can qualify if an immediate family member is already a member.

Sikorsky Credit Union has branches in Stratford, Bridgeport, Brookfield, Danbury, Milford, Seymour, Shelton, and Trumbull.