Banks That Don’t Use ChexSystems in Florida

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.

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.

Stash offers a checking account that doesn’t require a credit check or ChexSystems approval, making it accessible if you’ve faced banking challenges in the past.

Each time you use your Stash debit card, you earn Stock-Back® rewards—fractional shares of stock in the companies where you shop.

You can also receive your paycheck sooner with early direct deposit, and there are no overdraft fees to worry about.

The account includes access to over 55,000 fee-free ATMs and is managed through the Stash app, which also features investing and money management tools.

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.

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.

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.

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.

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.

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.

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.