Banks That Don’t Use ChexSystems in Maine

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 4.14% 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.

The SoFi Checking and Savings account provides a multitude of benefits, including no overdraft fees, balance requirements, or monthly charges.

For a limited time, there’s an enticing sign-up bonus of up to $300 with qualifying direct deposits.

In addition, account holders can utilize 55,000 ATMs free of charge via the Allpoint® Network. Those establishing direct deposit can earn up to 4.00% APY on their savings and 0.50% APY on checking accounts.

Direct deposit users also get the added benefit of early access to their paychecks – up to 2 days ahead.

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.

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.

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.

These accounts offer competitive interest rates, with the potential to earn up to 3.50% 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.

Members can link their savings to their checking account for optional overdraft protection.

To be eligible, you must live, work, worship, or attend school in Penobscot County or Southern and Central Aroostook County. Relatives of current members can also join. A $25 deposit into a share savings account is required for all new members.

Eastmill Federal has branch offices in East Millinocket and Patten, Maine.

With the account, you’ll receive a free Visa debit card with a daily limit of $2,500. Bill pay requires a small fee, and this account is not eligible for shared branching.

Membership is available to those who live, work, or worship in Maine’s Androscoggin, Cumberland, Lincoln, Kennebec, Knox, Sagadahoc, Somerset, or Waldo Counties, or those employed by Bath Iron Works. Relatives of current members can also apply.

Five County has branches in Auburn, Augusta, Bath, Bowdoinham, Brunswick, Lewiston, Lisbon, Portland, Rockland, Scarborough, Skowhegan, Topsham, Waterville, Windham, and Yarmouth.

Compass Checking requires no minimum deposits, balance requirements, or monthly fees. You’ll also receive a free debit card and access to Midcoast Federal’s e-services.

To open an account, you must become a member by providing a government-issued ID and a Social Security number or individual tax identification number.

Membership is available to those who live, work, worship, or attend school in Sagadahoc, Lincoln, and Knox Counties, as well as select communities within Androscoggin and Cumberland Counties.

Midcoast Federal has branches in Bath, Brunswick, Edgecomb, Freeport, and Thomaston, Maine.

Their Regular Checking account is free, with no minimum balance requirement or per-check fees. Members receive a free Visa debit card and have access to online and mobile banking.

To join New Dimension Federal Credit Union, you must have a connection to either Kennebec or Somerset County. To get started, you’ll need to open a savings account with a $25 deposit.

New Dimension Federal has locations in Waterville, Winslow, and Skowhegan, Maine.

They offer several checking account options in Maine, such as TD Complete Checking, TD Beyond Checking, and TD Essential Banking.

• TD Complete Checking has a $15 monthly fee that can be waived through direct deposits or other qualifying activities.
• TD Beyond Checking provides interest and no ATM fees with a $25 monthly fee, which can also be waived by maintaining a daily balance.
• TD Essential Banking, a checkless account, comes with a $4.95 monthly fee and no minimum balance, perfect for straightforward banking needs.

TD Bank has branch locations in several cities in Maine, including Auburn, Bangor, Brunswick, Lewiston, Portland, Rockland, Saco, Sanford, South Portland, and Waterville, among others.

They offer several checking account options, with Better Checking being the most basic. This account has no monthly fees, no minimum balance requirements, and no specific deposit amount needed to open.

Before opening an account, you’ll need to become a member, which is open to anyone who lives, works, attends school, or worships in Cumberland or York County, Maine.

Town & Country has branches in Portland, Saco, Scarborough, and South Portland.