Have you tried to open a checking account in Hawaii, but can’t get approved? It’s probably because you have a negative listing in ChexSystems. Most banks in Hawaii use ChexSystems to review your banking history.
Fortunately, you still have options. There are several banks that don’t use ChexSystems during the application process, and others that offer second chance checking.
Non-ChexSystems & Second Chance Banks in Hawaii
Take a look at this comprehensive list of banks and credit unions in Hawaii that either don’t use ChexSystems, or offer second chance checking accounts.
Aspiration’s Spend & Save Account is a hybrid checking and savings account that is entirely online. There’s a $10 minimum opening deposit to get started.
With an Aspiration debit card, you get unlimited fee-free withdrawals at over 55,000 ATMs and one out-of-network ATM reimbursement per month. You can also get paid up to two days early with direct deposit.
You can earn up to 5.00% APY when you spend $1,000/month and deposits are FDIC insured.
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 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 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.
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 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. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or beneﬁts payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, veriﬁcation or trial deposits from ﬁnancial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
Non-ChexSystems Banks by State
Looking for more information and additional options available in your area? Select your state from the list below to find out all your options for banking.
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- Washington, DC
- West Virginia