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.
CAMPUS USA Credit Union
They pull credit reports through Equifax.
Suncoast Credit Union
Occasionally throughout the year they offer open enrollment and all they look at is your credit score.
Woodforest National Bank
You must apply in person and they are friendly to those reported to ChexSystems.
Elgin Federal Credit Union
They do not use ChexSystems, TeleCheck or EWS.