The following banks and credit unions offer excellent features and benefits. While we recommend them, they are not our top picks for the simple reason that they are not guaranteed banks. They have however helped a lot of people, and may be able to help you too.

The Exchange State Bank

It has been reported that they do not check anything for opening accounts.

Keystone Savings Bank

They use Telecheck to verify all new accounts and a credit report for the debit card.

Dupaco Credit Union

They do not use ChexSystems, TeleCheck, or EWS but do pull credit reports if you would apply for an ATM card or debit card.

White State Bank

We called and verified that they do not use ChexSystems or a credit report.