Banks That Don’t Use ChexSystems in Georgia

Features & Benefits

• Up to 4.69% APY on savings
• Up to 2% cash back
• No minimum balance requirement
• No monthly fees or overdraft fees

Features & Benefits

• Sign-up bonus up to $300 with qualifying direct deposits
• No monthly fee
• Earn up to 4.30% APY on savings
• Over 55,000 fee-free ATMs

Features & Benefits

• Build credit just by using your debit card
• No minimum balance or monthly fees
• 40,000 fee-free Allpoint ATMs in the U.S.
• Get paid up to 2 days faster
• No credit check or ChexSystems

Features & Benefits

• Over 14.5 million downloads
• No credit check or ChexSystems
• No minimum opening deposit
• Over 60,000 fee-free¹ ATMs

Features & Benefits

• Earn up to 4.00% APY
• No monthly fees
• No minimum balance requirements
• Over 30,000 fee-free ATMs

Associated Credit Union uses Equifax credit reports to evaluate new applications rather than ChexSystems. They offer two main checking accounts: Associated Checking and Simple Checking, both requiring a $25 deposit to open.

For $4.95 per month, Associated Checking comes with added benefits like credit monitoring, ID protection, and cell phone protection. Both options include ATM access, online banking, and monthly interest on balances over $2,500.

They have branches across Georgia in cities like Atlanta, Augusta, Carrollton, Chamblee, Dawsonville, Decatur, Ellenwood, Evans, Lawrenceville, Marietta, Oakwood, Norcross, and Peachtree Corners.

Georgia’s Own offers a second chance account called Resolution Checking for those with previous banking issues. To open an account, applicants need to speak with a representative to determine eligibility.

The credit union supports online and mobile banking and provides surcharge-free ATM access throughout the state.

Branches are located in several key cities, including Atlanta, Augusta, Albany, Alpharetta, Buford, Douglasville, and Savannah, along with various other locations throughout Georgia.

Heritage Bank doesn’t use ChexSystems, Telecheck, or EWS to evaluate new applicants. To open an account, you’ll need to apply in person with a government-issued ID.

Among its four checking account options, Connect Checking stands out with no monthly fees and no minimum balance requirements. It only requires a one-time deposit of $50 to open and offers unlimited free transactions.

Heritage Bank operates 15 locations in Georgia, and one in Jacksonville, Florida. Key cities where you can find branches include Atlanta, Fayetteville, Forest Park, Hinesville, and Fort Stewart.

North Georgia Credit Union (NGCU) reviews Equifax credit reports for new checking account applicants. However, if you’re only looking to open a savings account, no credit check or screening is required. A $25 deposit into your savings is needed to maintain membership, along with a one-time $5 fee.

Their checking accounts are entirely free, with no minimum balance requirement. You’ll also enjoy complimentary features like automatic bill pay, as well as online and mobile banking.

NGCU has branches in Clayton, Hartwell, Lavonia, and Toccoa, making it easy to manage your banking locally or through their online services.

Peach State Federal Credit Union offers Fresh Start Checking to help members improve their financial standing. After maintaining the account in good standing for one year, account holders can upgrade to a standard checking account.

Fresh Start Checking has a $9 monthly fee, but it’s waived once the account is transitioned to a regular plan.

Peach State has numerous branches across Georgia, including locations in Lawrenceville, Athens, Loganville, Decatur, Monroe, Jefferson, Winder, and Cornelia.

Renasant Bank uses ChexSystems but is more lenient with negative records, as long as there’s no fraud and no outstanding debt owed to the bank.

Robins Federal Credit Union offers a second chance checking account designed for those aiming to rebuild their checking history.

Rochelle State Bank only requires a government-issued ID from anyone interested in opening an account. To open up a standard checking account, Rochelle State requires an initial deposit of $100.

There aren’t any monthly service fees if you can keep at least $500 in your account every day of the month. If it falls below $500, however, there is a $5.00 fee.

Moreover, there is also a $0.10 fee for any debit card transactions when the account balance is below $500. Currently, Rochelle State Bank only has one branch location in Rochelle, Georgia.

Synovus Bank relies on Equifax credit reports instead of ChexSystems to assess new applications, requiring a minimum credit score of 500 for consideration.

Woodforest National Bank offers a second chance checking account to help people restore their banking history. To open an account, you need a minimum deposit of $25 and there’s a one-time setup fee of $9.

The monthly maintenance fee is $11.95 but can be lowered to $9.95 if you enroll in direct deposit. For those who prefer paper statements, there’s a $3 monthly fee, which can be avoided by switching to e-statements.

The bank has several branches across Georgia, with locations in Atlanta, College Park, Duluth, Loganville, Morrow, Newnan, Riverdale, and Roswell.