Banks That Don’t Use ChexSystems in Louisiana

Struggling to open a checking account in Louisiana 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 Louisiana

We’ve compiled a comprehensive list of Louisiana 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.

Bank of Montgomery

Bank of Montgomery uses Telecheck when verifying new accounts. It has three locations throughout Louisiana in Montgomery, Alexandria, and Natchitoches. It has seven checking accounts for members to choose from.

Most applicants will likely be more interested in the Economy option, as it only requires a $100 initial deposit and a minimum balance of $500. If your account falls below $500, there’s a monthly service fee of $7.50.

Regardless of which checking account you choose, all members get access to unlimited check writing, free online banking, and free mobile banking. The free mobile app allows members to view their account balance, make transfers, and remote deposit checks.

Community Bank of Louisiana

Community Bank of Louisiana does not use ChexSystems or EWS, but it does require a form of government-issued ID.

Community Bank offers seven checking accounts. For its traditional checking account, there’s a $7 fee if your account falls below $1,000.

However, if you keep an account with them for five years or more, there is no service fee regardless of how much money you have in your account.

It currently has eight locations throughout Louisiana: Stonewall, Shreveport, Mansfield, Logansport, Gloster, and Bossier City.

Home Bank

Home Bank has locations all throughout southern Louisiana and uses Telecheck when screening new applications. It currently offers three types of checking accounts, Choice Checking, Interest Checking, and eBanking Checking.

All of these options come with the following perks:

  • Free debit card
  • Free online banking
  • Free ATMs

Each account requires an initial deposit of $100, but the monthly service is different for each. For Choice Checking, the monthly service fee is $8, for eBanking it’s $5, and for Interest, it’s $10.

Choice Checking provides more ATM access, as account holders can get $10 cashback if they visit a surcharge ATM.

La Capitol Federal Credit Union

La Capitol FCU has four locations throughout Baton Rouge, Hammond, and Houma, Louisiana. Instead of using ChexSystems, they use Telecheck to screen new members.

Currently, La Capitol offers five types of checking accounts: Choice Plus, Simple Plus, Choice, Simple, and Liquid Assets. The monthly fee is $8 unless you have a minimum balance of $1,000.

The fee can be waived if you have 10 or more ATM transactions a month and at least $500 directly deposited in your account every month.

Neighbors Federal Credit Union

Neighbors FCU uses Telecheck in lieu of ChexSystems when screening new applications. To join, you must live, work, worship or attend school in one of its nine participating parishes to be eligible.

The nine participating parishes include East Baton Rouge, Pointe Coupee, Ascension, St. Helena, East Feliciana, West Baton Rouge, Iberville, West Feliciana, and Livingston.

Currently, Neighbors FCU has 12 branches and is also a part of a shared branch network. It has locations in Baton Rouge, West Denham Springs, Port Allen, Prairieville, Zachary and Walker, Louisiana.

Neighbors FCU has five checking account options for its members to choose from. Only one account has a monthly service fee, but it’s only $4.95 a month and comes with various benefits, such as roadside-assistance and Identity theft protection.

New Orleans Firemen’s Federal Credit Union

New Orleans Firemen’s Federal uses Telecheck when screening new applicants. To become a new member, you must be a current or retired New Orleans firefighter, be employed by a select employer, or live, work, worship, or attend school in a nearby area.

Accepted locations include St James Parish, Tangipahoa Parish, Plaquemines Parish, certain parts of New Orleans East area, and the City of Picayune.

New Orleans Firemen’s FCU offers several checking account options. Regardless of which account you choose, you’ll get free mobile and online banking, free bill pay, unlimited check writing, a free debit card, and no monthly service fee.

WESLA Federal Credit Union

WESLA Federal uses Telecheck instead of ChexSystems while screening new applications. Currently, WESLA has three branches and 16 ATM locations located throughout Shreveport, Louisiana.

To become a member, you must live, work or worship in Caddo or Bossier Parish and make a minimum deposit of $25 into a new savings account. $5 of the $25 is a one-time fee, but the rest goes into your new savings account.

WESLA offers three types of checking accounts, but its free checking option doesn’t have any monthly service fees or minimum balance requirements.

Regardless of which account you choose, all members get a free debit card, unlimited check writing, overdraft protection, and ScoreCard Rewards.

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.