Banks That Don’t Use ChexSystems in Florida

The SoFi Checking and Savings account provides a multitude of benefits, including no overdraft fees, balance requirements, or monthly charges.

For a limited time, there’s an enticing sign-up bonus of up to $300 with qualifying direct deposits.

In addition, account holders can utilize 55,000 ATMs free of charge via the Allpoint® Network. Those establishing direct deposit can earn up to 3.80.00% APY on their savings and 0.50% APY on checking accounts.

Direct deposit users also get the added benefit of early access to their paychecks – up to 2 days ahead.

Current lets you open a mobile bank account without ChexSystems checks or credit pulls. It’s built for speed, flexibility, and getting your finances back on track.

You can build credit just by using your Current debit card—no loans, credit checks, or interest charges involved. There are no monthly or annual fees for this feature.

Current also offers fee-free overdraft protection up to $200, access to over 40,000 Allpoint ATMs, and no minimum balance requirements.

With a Premium account, you can get paid up to two days early with direct deposit. Current also offers up to 4.00% APY through its Savings Pods, which lets you earn interest while keeping your money accessible.

With Chime^®, bad 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 credit⁷ with the Secured Chime Credit Builder Visa^® Credit Card. 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.

Upgrade doesn’t pull your ChexSystems report, but they do look at your credit report.

The Upgrade Rewards Checking account has no monthly fees and no overdraft fees. You’ll also get a free Visa debit card, and up to 2% cash back on everyday debit card purchases.

The Upgrade Premier Savings account delivers an impressive 4.02% APY, giving you a remarkable opportunity to grow your savings faster.

You’ll get access to over 55,000 fee-free ATMs through the Allpoint network, including Walgreens and CVS locations. Plus, checking account customers can qualify for up to 20% lower rates on Upgrade loans and credit cards.

Ameris Bank offers multiple account options, with its most affordable choice being the At-Ease Checking account. This account has no monthly fees or minimum balance requirements.

It also includes free access to online, mobile, and text banking, as well as free bill pay services. A $25 deposit is required to open the account.

Ameris Bank has locations across northern, western, and central Florida, including branches in Blountstown, Bradenton, Crawfordville, Jacksonville, Orlando, Panama City Beach, and Tallahassee.

They offer several account options, including Value Checking, which requires a $50 initial deposit.

The monthly service fee for this account is $7, and it comes with benefits such as a free debit card, free online and mobile banking, and bill pay.

Bank United operates multiple branches throughout Southeast and Southwest Florida, including locations in Altamonte Springs, Aventura, Boca Raton, Bonita Springs, Coral Gables, Fort Lauderdale, Miami Lakes, Orlando, and Tampa.

Instead, they look at your Equifax report when considering your application, so even if your banking history isn’t perfect, you’ve still got a shot.

Their free checking account is straightforward—no monthly fees, no minimum balances to worry about. It’s packed with convenient features like mobile and online banking, remote deposits, and even free bill pay.

Plus, you get a free debit card and access to fee-free ATMs at Campus locations and Publix Presto ATMs.

You can find Campus USA branches in several key areas like Gainesville, Ocala, Lake City, Tallahassee, and throughout Marion County.

It comes with a free debit card, free bill pay, eStatements, and online banking.

What’s great about the Opportunity 100 account is that there are no monthly balance requirements or service fees to worry about. After keeping your account in good standing for 12 months, you’ll have the option to upgrade to a regular account.

Centennial Bank has several branches across Florida, including cities like Baker, Bonifay, Chipley, Crestview, Defuniak Springs, Fort Walton Beach, Panama City, and Pensacola.

This account is fully functional, meaning account holders can write checks, use a Visa debit card, and access their account either online or through the mobile app.

There’s a $10 surcharge fee, as well as a $25 initial deposit requirement. Before you can open an account, you must first open a share account with Community First.

To become a member, you’ll need to live, work, or attend school in Baker, Clay, Duval, Flagler, Nassau, Putnam, or St. Johns County.

However, you can still get approved if any negative records have been paid off and there’s no history of bank fraud. This makes it a workable option for those rebuilding their financial record.

There are no monthly service fees, no minimum balance requirements, and no need for direct deposit to keep the account open.

Members can manage their accounts entirely online or through Coral Community’s mobile app, which supports mobile check deposit, bill pay, and account alerts.

Membership is limited to select areas within Broward County, Florida, so eligibility is based on where you live or work.

It requires an initial deposit of $50 to open, but there’s no minimum balance requirement.

Once you’ve kept your account in good standing for 12 months or more, meaning no overdrafts or non-sufficient funds, you may be eligible to open a standard checking account with FAB.

Each account with FAB comes with mobile banking, online banking, and access to a large network of surcharge-free ATMs.

This means you can handle in-person banking at thousands of partner locations across the country, which adds convenience if you travel or move.

All membership applications are reviewed carefully, so approval isn’t guaranteed—but if accepted, you’ll have access to several checking account options.

The Value Checking account is a strong pick, with no monthly service fees and no minimum balance requirements. It includes standard features like online banking, mobile deposit, and a free debit card.

The Smart Track Checking account offers members the chance to get a traditional bank account and repair their financial history.

This account has a $5 monthly service fee, but after 12 months of keeping the account in good standing, members may transition to a standard account with no monthly fees.

All new members get a Visa debit card, free bill pay, and online banking tools. To open an account, you only need to provide a $25 initial deposit after submitting an application.

Florida CU offers two checking accounts: an interest-bearing account and a non-interest bearing account. The non-interest bearing account is completely free and doesn’t require a minimum balance.

For either account you choose, you get free overdraft protection, online and mobile access, and ATM rebates at non-FCU ATM locations.

FCU currently has branches in DeLand, Lake City, Ocala, Starke, and Gainesville.

It does not require a minimum balance, and members can switch over to a standard account after a year of keeping their account in good standing.

Gold Coast currently has locations in West Palm Beach, Royal Palm Beach. Belle Glade, Port St. Lucie, Boynton Beach and CU Center, Inc.

Additionally, Gold Coast FCU is partnered with Co-Op Shared Branch ATMs, which means you’ll get access to over 5,600 surcharge-free ATMs when you join.

It also requires an initial deposit of $25, which is also the minimum balance. Members get access to a free debit card, free online banking, and free overdraft protection transfer.

Currently, Gulf Winds has six branch locations in Pensacola, one in Crawfordville, and three in Tallahassee.

To become a member, you’ll need first need to provide your personal information online, which only takes a few moments of your time.

This account is designed to help individuals rebuild their checking history after being denied membership at other institutions.

Membership at JetStream is available to anyone who lives, works, studies, or worships in Miami-Dade County, as well as in the Puerto Rican regions of Carolina, Trujillo Alto, and San Juan.

Additionally, relatives of existing JetStream members and employees of Select Member Companies are also eligible to join.

JetStream operates locations across Florida in Miami, Doral, Hialeah, and Coconut Grove.

To qualify, you must have fewer than three reports on your ChexSystems record.

The account comes with several benefits, including a free debit card with access to over 55,000 surcharge-free AllPoint ATMs. There are no minimum balance requirements.

You’ll also enjoy free online and mobile banking, along with unlimited check writing privileges each month. After 12 months of maintaining the account in good standing, you may be eligible to upgrade to a regular account.

Liberty Savings Bank has branches in several Florida locations, including Sarasota and Venice, making it a convenient option for residents in these areas who need a second chance.

It doesn’t require an initial deposit, and account holders get a fully functional Visa debit card.

Membership is available to anyone who lives, works, or attends school in one of 15 different counties. To begin membership, new members must purchase one $5.00 share from LCU.

LOYALTY Credit Union has branch locations in Pensacola, Panama City, Tallahassee, and Crawfordville.

With McCoy, account holders get unlimited check writing, free direct deposit, free debit card, free bill pay, free eStatements, and online account access.

McCoy has multiple locations throughout Orlando, and membership is available to anyone lives, works, studies, or worships in Orange, Osceola, Seminole or Lake counties.

If you have a couple of negative entries and no history of fraud, you may still be approved as long as all outstanding balances have been paid.

They offer three types of free checking accounts—Kasasa Cash, Kasasa Cash Back, and Everyday Checking—each with no minimum balance requirements.

Features include online, mobile, and text banking, bill pay, eStatements, and debit cards, along with the option to receive your paycheck two days early through direct deposit.

Members First Credit Union has several branches located in Pensacola and Pace, Florida.

Instead, they use Telecheck, which often allows people previously denied by other banks to successfully open an account.

Though they are based in New York, they have a branch in Miami, providing an option for Florida residents looking for an alternative.

Their accounts include features like online banking, bill pay, and unlimited debit card use, along with fee-free ATM access at participating locations.

To become a member, you must live, work, study, or worship in Eastern Pasco or Eastern Hernando County, Florida.

To make your membership official, you can open a savings account with a minimum deposit of just $5.

After successfully maintaining the second chance account in good standing for a year, members are eligible to transfer to a standard checking account.

SACFCU has branches located in San Antonio, Dade City, Zephyrhills, and Wesley Chapel.

This account comes with most of the features of a regular checking account, such as online and mobile banking and a Mastercard debit card. The $10 monthly fee can be waived if you enroll in payroll direct deposit.

After a year of maintaining a good standing without any non-sufficient funds, the account may convert to a regular checking account.

Additionally, completing two financial education options can make the account eligible for conversion in 10 months.

The credit union has branches in Miami and West Palm Beach.

If approved, you have the option to choose between Free Checking, Preferred Account, or Gold Checking. Synovus also offers a Military Interest Checking option for those in the armed forces.

Free Checking is a popular choice, requiring only a $100 deposit to open and with no monthly fees or minimum balance requirements. Key features include a Visa® debit card, free online and mobile banking, and automatic bill pay.

Synovus Bank operates in various cities throughout Florida, including Apopka, Boca Raton, Bonita Springs, Boynton Beach, Bradenton, Cape Coral, Clearwater, Cocoa Beach, Coral Gables, Crestview, and many more.

As long as your credit report is average, and you don’t have any negative entries with Telecheck, University CU may open an account with you.

Membership is available to anyone associated with the University of Miami, Florida International University, St. Thomas University, the Legal Community, and the Miami-Dade Community.

There are no service fees or minimum balance requirements, and each member gets free access to mobile and online banking, and access to thousands of surcharge-free ATMs.

Membership is open to individuals who live, work, study, or worship in select Florida counties.

These include Alachua, Baker, Bradford, Brevard, Clay, Columbia, Duval, Flagler, Gilchrist, Hamilton, Lake, Levy, Marion, Nassau, Orange, Putnam, St. Johns, Seminole, Sumter, Suwannee, Union, and Volusia.

Opening a standard checking account is free. Members have access to online, mobile, and text banking, along with other tools to help manage their accounts on the go.