14 Credit Unions That Don’t Use ChexSystems for 2024

The credit union has branch locations in the following states:

AACU offers a variety of checking account options that come with a range of features and benefits. All of their checking accounts offer no monthly service fee or they provide an easy way to avoid the fee.

Furthermore, all bank accounts offer additional benefits such as direct deposit and online statements. They also utilize the CO-OP Shared Branch Network for added locations and convenience.

With a membership base of over 10 million, NFCU provides an array of financial products and services tailored to the unique needs of its members.

Among these offerings is the Free EveryDay Checking account, which is accessible to all members. This account stands out due to its absence of monthly fees, minimum balance requirements, and initial deposit obligations.

Such features make it an attractive choice for individuals seeking to rebuild their credit and improve their financial standing.

Navy Federal Credit Union also offers a variety of other financial services, such as savings accounts, loans, credit cards, and investment options.

Although branch locations may be limited, America First has a large ATM network that covers the entire country. Additionally, the credit union provides various savings products, with interest rates that are comparable to those offered by many banks.

With 28 locations and access to the Shared Branching Network, members have access to over 5,000 additional branches nationwide.

The Easy Checking account is one of the financial products offered by Hope Credit Union. This account features a monthly fee of $9.95, but members can have this fee waived by maintaining a minimum balance of $200 or more.

Eligibility for membership includes residents of Michigan, as well as those who work, pray, or attend school in the state.

The credit union’s Basic Checking Account requires an initial deposit of $25 and has a monthly fee of $15. However, this can be reduced to $10 with a direct deposit.

Additionally, the account offers free online and mobile banking, as well as a platinum Visa card with unlimited fee-free ATM withdrawals from a network of over 30,000 ATMs.

SCU offers a second chance checking account, known as the Staley Renew Checking account. It’s designed for individuals who have had difficulty opening a traditional checking account in the past.

This account requires a minimum opening deposit of $50. It also comes with a monthly fee of $7.00.

With the eBrand account, members can access their accounts, transfer money, and pay bills remotely. The credit union also provides a mobile app, which allows members to deposit checks, receive account alerts, and view bank statements from the convenience of their own home.

Southwest Financial also offers a variety of financial products and services, including checking, savings, retirement accounts, and lending products.

Furthermore, for members who need to access an ATM, Southwest Financial has partnered with Allpoint, which provides access to 55,000 ATMs worldwide.

The credit union offers a Fresh Start Checking account for those who have been denied a checking account in the past.

The account has a $15 monthly fee, $50 minimum opening deposit, no minimum balance requirement, and a free Visa debit card.

In addition, members get four free withdrawals from out-of-network ATMs each month, and no ATM fees when using network ATMs.

They serve those who live, work, or go to school in Los Angeles, Ventura, or Harris counties, or by joining the Thousand Oaks Alliance for the Arts.

PACU offers a Fresh Start Checking account, which is ideal for those who have ChexSystems records and are looking to start again.

The account requires a $25 minimum opening deposit and has a $13 monthly maintenance fee, which can be reduced to $10 per month by making at least $200 worth of direct deposits each month.

One of their key offerings is the share draft checking account, which comes with no minimum deposit requirement, making it easily accessible to a wide range of members.

For accounts with balances exceeding $500, monthly dividends are paid, rewarding members for maintaining a higher balance.

Ashland Credit Union members also enjoy access to a vast network of 30,000 ATMs nationwide and overdraft protection services as an added safety net.

Furthermore, custom debit cards are available for a $20 fee, allowing members to personalize their banking experience.

Among its range of banking products is the Fresh Start Checking account, designed to help individuals improve their financial standing and manage their money effectively.

The Fresh Start Checking account comes with several attractive features, such as end-of-year reward dividends and overdraft protection, offering both incentives and safeguards for members.

While there is an initial fee to open the account and ongoing monthly fees, the benefits of this account may outweigh these costs for many users.

Account holders gain access to a vast network of over 30,000 fee-free ATMs and a Visa debit card.

Delta Community’s Personal Checking Account comes with no monthly service or per-check fees. You also get 24-hour access to your funds with a Delta Community Visa Debit Card (with some restrictions) and overdraft protection.

Members have access to many ATMs and merchant locations that can be used for free. The account also offers Direct Deposit and Payroll Deduction options, and reward points earned every time you sign for a purchase when using the Visa Debit Card.

Additionally, members have access to over 30,000 unlimited fee-free ATMs, making it easy for them to access their money at familiar places.

They also offer 24/7 online banking through their top-rated mobile app, allowing members to manage their accounts on the go. Another benefit is that members can get paid up to a day early with direct deposit.

They offer a range of banking products, including the Easy Checking account, designed to cater to the diverse financial needs of their members.

The Easy Checking account has no minimum balance requirement, making it an accessible option for many individuals. However, a $25 minimum deposit is necessary to open the account.

This checking account provides members with a Mastercard debit card and overdraft protection.

Additionally, account holders have access to an extensive network of over 55,000 fee-free ATMs, enhancing the convenience and cost-effectiveness of their banking experience.

The U.S. Bank Smartly® Checking account comes with a free debit card and the option to lock or unlock the card if it’s ever lost or stolen.

Plus, you’ll never have to worry about ATM transaction fees at U.S. Bank ATMs or surcharge fees at over 40,000 MoneyPass Network ATMs.

U.S. Bank uses ChexSystems, but it has a history of being more lenient with records than most banks.

As long as you don’t have a history of fraud, or you don’t owe any money to U.S. Bank, you may be able to open a checking account with them.

The minimum opening deposit for this account is just $25, and the monthly service fee is $6.95. However, you can avoid the monthly fee by maintaining a minimum balance of $1,500 or by having a minimum monthly direct deposit of $1,000.

With Chime, a negative banking history is not an issue. They offer an award-winning financial app, a checking account with a debit card, and a savings account, all with no credit check.

When you open a Chime Checking Account, you won’t have to worry about monthly maintenance fees, foreign transaction fees, or minimum balance fees.

You can also start building your credit with the Chime Credit Builder Visa® Credit Card⁷. It’s a secured credit card with no annual fees, no credit checks, and no interest charges¹.

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.

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.

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.