Banks That Don’t Use ChexSystems in Florida

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Ameris Bank does use ChexSystems to screen new applicants, but if you have resolved your previous debt and there is no history of fraud or account abuse, you should be able to open an account without any issues.

Bank United may allow you to open an account if your ChexSystems history includes only one bank, no fraud is indicated, and the debt has been repaid.

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.

Campus USA Credit Union makes banking a little easier by not relying on ChexSystems. 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.

Centennial Bank’s Opportunity 100 Checking account is designed for those looking for a second chance at reestablishing their banking history. 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. It’s a solid option for getting back on your feet and moving toward better financial opportunities.

Community First CU uses ChexSystems but offers second chance checking accounts called Fresh Start Checking. 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.

Coral Community uses an applicant’s ChexSystems and Equifax credit report. It’s alright if you have negative entries listed on both as long as there is no report of bank fraud and any reporting bank has been paid in full. If all of these are true, you can get an account with Coral Community FCU.

Membership, however, is limited to select regions in Broward County. Members can do all of their banking needs both online and via the mobile app, and there aren’t any balance or direct deposit requirements, nor are there any monthly service fees.

First American Bank is located in the Jacksonville area and offers a second chance checking account called Fresh Start Checking.

First Choice has locations in West Palm Beach and Palm Beach Gardens, but is also a part of the Co-Op Shared Branch network, which has locations across the country. Members can go to any of them.

FCCU reviews all applications carefully before granting membership. Once a member, you’ll have your choice of several account options. Value Checking is perhaps the best, as it doesn’t require a minimum balance or charge any monthly service fees.

First Florida CU offers a second chance account called Smart Track Checking. Smart Track Checking 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 Credit Union does not use ChexSystems, but rather uses both a credit report and Telecheck when screening new applications.

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.

If you’ve had checking problems in your past, Gold Coast Federal offers a second chance account called Fresh Start.

Gulf Winds FCU has a second chance account called My Opportunity Checking. My Opportunity Checking has a monthly fee of $10.95

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.

JetStream Federal Credit Union offers second chance checking accounts for those who have faced challenges with their past financial history.

Liberty Savings Bank offers a second chance with its Clean Slate Checking account, designed for people looking to rebuild their banking history. To qualify, you must have fewer than three reports on your ChexSystems record.

LOYALTY Credit Union has a second chance account called Fresh Start Checking.

It doesn’t require an initial deposit, and account holders get a fully functional Visa debit card. LOYALTY Credit Union has branch locations in Pensacola, Panama City, Tallahassee, and Crawfordville.

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.

McCoy FCU offers second chance accounts to enable people to repair their financial history while also enjoying all the perks that come with a standard checking account.

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.

Members First Credit Union does use ChexSystems when reviewing new account applications, but they’re more flexible than most credit unions.

People’s Alliance Federal Credit Union doesn’t rely on ChexSystems or EWS when screening new applicants, making it a more accessible option for those with past banking issues. 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.

San Antonio Citizens Federal Credit Union (SACFCU) offers a second chance checking account for new applicants.

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.

South Florida Federal Credit Union offers the Aspire Checking account, designed for individuals needing a second chance at rebuilding their banking history.

Synovus Bank doesn’t rely on ChexSystems, but instead evaluates applications based on your Equifax credit report and score. To be considered, you’ll need a minimum credit score of 500.

If you’ve only had issues with a ChexSystems bank, UCU might be a good fit for you. 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.

Vystar doesn’t rely on ChexSystems but uses Telecheck to evaluate applications. This makes it a great option for those who might have been turned away by other banks.

Located primarily in the Jacksonville area, Vystar offers membership to individuals who live, work, study, or worship the following counties: 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 account with Vystar is completely free, and members enjoy convenient features such as online, mobile, and text banking to manage their finances.