Banks That Don’t Use ChexSystems in Louisiana

Have you tried to open a checking account in Louisiana, but can’t get approved? It’s probably because you have a negative listing in ChexSystems. Most banks in Louisiana 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 Louisiana

Take a look at this comprehensive list of banks and credit unions in Louisiana that either don’t use ChexSystems, or offer second chance checking accounts.

Chime

Our Top Pick
LetMeBank’s rating
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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 debit card, and a credit builder Visa® credit card, all with no credit check.

The Chime Checking Account is 100% free and has no monthly fees:

  • no monthly maintenance fees
  • no foreign transaction fees
  • no minimum balance fees

You can also start building your credit with the Chime Credit Builder Visa® Credit Card. It’s a secured credit card with no annual fees, no credit checks, and no interest charges.

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.

You can see why Chime is our #1 choice.

Current

Our Second Pick
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Features & Benefits

  • No credit check or ChexSystems
  • No minimum balance or hidden fees
  • Fee-free overdraft up to $200 with Overdrive
  • 40,000 fee-free Allpoint ATMs in the U.S.
  • Get paid up to 2 days faster

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.

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.

Upgrade

Our Third Pick
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Features & Benefits

  • No minimum balance requirement
  • No monthly fees
  • No overdraft fees
  • Visa debit card, iOS and Android mobile app
  • Up to 2% cash back

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 up to 2% cash back on everyday debit card purchases.

Upgrade reimburses up to five out-of-network ATM fees per month if you meet certain conditions.

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.

Aspiration

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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.

Axos Bank

Axos Bank doesn’t use ChexSystems or pull your credit report.

The Rewards Checking account from Axos Bank has no monthly maintenance fees, unlimited domestic ATM fee reimbursements, and it comes with cash back rewards.

You get unlimited free mobile deposits and your funds are FDIC insured up to $250,000. Plus, there are no overdraft fees or non-sufficient fund fees.

There are no minimum balance requirements, and you’ll only need a $50 deposit to open the account.

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.

Crescent Bank

Crescent Bank uses Telecheck during each applicant’s screening process. Currently, Crescent Bank has three branch locations in New Orleans, Metairie, and Covington, Louisiana, and it offers two checking accounts for its members: Personal and Personal Now Checking.

The Personal Checking account is probably the most obtainable across the board, as it only requires an initial deposit of $100 (compared to $1,000 with Personal Now). Each account does have minimum balance requirements if you want to avoid incurring any monthly fees.

If your account drops below $299 or less with basic Personal, the most your monthly service fee would be is $10. Each account gets you unlimited check writing, free eStatements, and free ATM withdrawals from Crescent Bank ATMs.

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 a variety of 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 current or retired New Orleans firefighters, 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.

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.