Banks That Don’t Use ChexSystems in Hawaii

Struggling to open a checking account in Hawaii due to a negative ChexSystems listing?

While most banks use ChexSystems to review your banking history, there are some that don’t. Additionally, some banks offer second checking accounts.

Non-ChexSystems & Second Chance Banks in Hawaii

We’ve compiled a comprehensive list of Hawaii banks and credit unions that allow anyone to open a checking account, regardless of their banking history.

Upgrade

Our Top Pick

Features & Benefits

  • Up to 5.21% APY on savings
  • Up to 2% cash back
  • No minimum balance requirement
  • No monthly fees or overdraft fees

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 ATM 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 5.21% APY, giving you a remarkable opportunity to grow your savings faster.

Upgrade is partnered with Cross River Bank, Member FDIC, and your funds are FDIC-insured up to $250,000. With an Upgrade checking account, you can also get up to 20% lower rates on Upgrade loans and credit cards.

First Tech Federal Credit Union

Our Second Pick

Features & Benefits

  • Up to $300 sign-up bonus with direct deposit
  • No minimum balance requirements
  • Earn up to 5.00% APY
  • Over 30,000 fee-free ATMs

First Tech Federal Credit Union offers an attractive banking solution that goes beyond traditional constraints, providing members with a combination of high-yield interest and multiple financial incentives across its platforms.

With the First Tech Rewards Checking & Savings accounts, there are no minimum balance requirements and no monthly maintenance fees. Members can take advantage of a $300 bonus simply by establishing a qualifying payroll direct deposit of $1,000 or more per month for three consecutive months.

These accounts offer competitive interest rates, with the potential to earn up to 5.00% APY on both checking and savings accounts, depending on the balance—significantly higher than many conventional banks.

Additionally, First Tech offers extensive accessibility with over 30,000 CO-OP network ATMs nationwide for fee-free withdrawals.

The credit union also ensures enhanced financial security and flexibility with features like real-time fraud monitoring and free overdraft transfers, contributing to a comprehensive and secure banking experience.

Current

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

Current is a financial technology company, not a bank. The company does not use ChexSystems or pull your credit report, and they have a lot to offer.

With Current, your everyday purchases can now shape your financial future. Simply by swiping your debit card, you can build credit. No loans or credit checks needed. There are also no monthly or annual fees for this service.

A Current mobile bank account includes fee-free overdraft protection of up to $200. Account holders also get access to over 40,000 fee-free Allpoint ATMs with your Current debit card, and there is no minimum balance or hidden fees.

You can also get paid up to two days early with direct deposit with a Current Premium account. Plus, Current offers up to 4.00% APY with Current Savings Pods.

Chime

Features & Benefits

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

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.

CU Hawaii Federal Credit Union

Instead of ChexSystems, CU Hawaii Federal uses Telecheck so you may be able to qualify for a new account. Their regular checking account option doesn’t have a required opening deposit, minimum account balance, or monthly fee.

Plus, you get perks like online banking and bill pay, mobile banking and check deposit, and overdraft protection.

Membership to CU Hawaii Federal is open to anyone who lives or works on the Islands of Hawaii. Branches are located in Hilo, Kailua-Kona, Kea’au, Na’alehu, Ocean View, Pahala, and Pahoa.

Gather Federal Credit Union

Gather Federal is another option that relies on Telecheck, not ChexSystems. Start off by using their Checking Navigator, an online tutorial that teaches you how to better manage your checking account.

If you qualify for an account, you can choose from one of several Kasasa rewards accounts, or a traditional share draft account. This last option has no monthly fee or minimum balance and just requires a $25 opening deposit. Plus, you earn credit union dividends, no matter what your balance may be.

Interested in joining Gather Federal? Membership is open to anyone who lives, works, attends school, or worships on the islands of Kauai and Niihau.

There’s a one-time membership fee of $1, and you’ll also need to deposit $5 into your share savings account. Branches are located in Lihue, Waimea, Eleele, and Kapaa.

Hawaii Community Federal Credit Union

Hawaii Community Federal uses Telecheck rather than ChexSystems when evaluating new applications. They have a free account called Check Advantage.

It doesn’t come with a monthly fee or a minimum balance requirement, making it a low-cost option for account holders. When opening your account, however, you do need to deposit $50 into a share savings account.

To join Hawaii Community Federal, you must live, work, worship, attend school, or volunteer on Hawaii Island. Locations are in Kaloko, Kailua-Kona, Kealakekua, Kohala, and Honoka’a.

Hawaiian Financial Federal Credit Union

Any eligible member can open a savings account with Hawaiian Financial Federal. To get a checking account, they’ll use either ChexSystems or Unicheck.

If you can qualify, they offer Value Checking, which comes with all the basic account features you need to manage your finances. There’s no balance requirement or monthly service fee, and the opening deposit minimum is a mere $5.

To become a member, you must live, worship, work, or go to school on the island of Oahu. There are 12 locations across Honolulu, Kapolei, Waipahu, Kahului, Pearl City, and Wheeler AAF.

HomeStreet Bank

HomeStreet Bank does not run a ChexSystems, Telecheck, or EWS report on new applications.

They offer multiple checking accounts: Choice Checking, Select Checking, and Premium Select Checking. There’s no monthly fee, but there is a $100 minimum opening deposit.

You get free online and mobile banking, a free Visa debit card, and access to thousands of fee-free ATMs through the MoneyPass ATM network.

Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.

1. Out-of-network ATM withdrawal fees may apply with Chime except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

2. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. Chime generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

7. The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.