Banks That Don’t Use ChexSystems in Maine

Struggling to open a checking account in Maine 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 Maine

We’ve compiled a comprehensive list of Maine banks and credit unions that allow anyone to open a checking account, regardless of their banking history.


Our Top Pick

Features & Benefits

  • Sign-up bonus up to $300 with qualifying direct deposits
  • No monthly fee
  • Earn up to 4.60% APY on savings
  • Over 55,000 fee-free ATMs

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 are entitled to an annual percentage yield (APY) of 4.60% on their savings and 0.50% on checking accounts.

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


Our Second Pick

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.


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.

First Tech Federal Credit Union

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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.


Features & Benefits

  • No ChexSystems or credit check
  • 4.50% APY on savings
  • Over 19,000 fee-free ATMs
  • $5 monthly fee can be waived

GO2bank is a neobank offered by Green Dot, a well-established financial technology company. Customers can open a checking account featuring subaccounts known as vaults without a minimum balance requirement.

GO2bank provides an attractive 4.50% APY on savings accounts for balances of up to $5,000. Access to funds is made easy through cash deposits at 90,000 retail locations and fee-free ATMs at 19,000 locations.

Additionally, customers can receive their pay up to 2 days in advance and government benefits up to 4 days early via direct deposit.

You can also opt for overdraft protection up to $200 with eligible direct deposits.

GO2bank offers the GO2bank Secured Visa Credit Card, which can assist customers in building their credit over time through responsible use.

The $5 monthly fee is waived when you receive payroll or government benefits through direct deposit.


Features & Benefits

  • $100 bonus after 10 purchases
  • No credit check or ChexSystems
  • Over 16,000+ fee-free ATMs
  • Over 4,700 branches nationwide
  • $4.95 monthly service fee

Chase offers a checking account called Chase Secure Banking. The account comes with a Chase debit card that gets you access to over 16,000 fee-free ATMs.

Some features of this checking account include free online bill pay, free money orders and cashier’s checks, no overdraft fees, and no minimum opening deposit. However, there is also a monthly service fee of $4.95.

When you open a Chase Secure Banking account and make 10 qualifying purchases within 60 days, you’ll get a $100 cash bonus.

Account approval is immediate, and the debit card typically arrives within days.

Eastmill Federal Credit Union

Eastmill Federal does not use ChexSystems and only requires proper ID to get started with an account. They no minimum balance requirements, nor are there any monthly service fees.

If you link your savings account to your checking account, you can opt into overdraft protection.

The field of membership for Eastmill FCU includes anyone who lives, works, worships, or goes to school in Penobscot County and Southern and Central Aroostook County.

Relatives of existing members are also allowed to join. All new members are required to make a $25 deposit into their share savings account.

There are branch offices in East Millinocket and Patten, Maine.

Five County Credit Union

You can potentially sign up for Second Chance Checking at Five County as long as your past issues are minor. The monthly fee is just $5 and there is no minimum balance.

You get a free Visa debit card and check card. The daily limit is $2,500, with $2,000 being allotted to purchases and $500 of it going to cash.

To use bill pay, you must pay a small fee. Additionally, this account isn’t eligible for shared branching.

Eligibility for membership is offered to those who live, work, or worship in Maine’s Androscoggin, Cumberland, Lincoln, Kennebec, Knox, Sagadahoc, Somerset or Waldo Counties.

Alternatively, you can be an employee of Bath Iron Works or be a relative of an existing member.

Midcoast Federal Credit Union

Midcoast Federal offers Compass Checking to those who have fallen off track with their finances. It’s a proactive account that provides support through money management tools, budgeting guides, and e-alerts.

There are no minimum deposits or minimum balance requirements, nor is there a monthly fee. You get a free debit card, plus access to Midcoast Federal’s e-services.

To open a Compass Checking account, you must become a member, provide a government-issued ID, and a social security number or individual tax identification number.

This is open to anyone who lives, works in, worships, or attends school in certain rural communities in Maine. It includes all communities within Sagadahoc, Lincoln, and Knox Counties, plus select communities within Androscoggin and Cumberland Counties.

New Dimension Federal Credit Union

New Dimension Federal may approve you for a checking account if your ChexSystems records are limited and minor.

Their Regular Checking account is free and doesn’t come with any minimum balance requirement or per check fees. You’ll get a Visa debit card for free, plus online and mobile banking access.

How can you become a member of New Dimension Federal? You must have some connection to either Kennebec or Somerset County.

To get started, you must open a savings account first and make a $25 deposit there.

Saco Valley Credit Union

You can get approved for a checking account with Saco Valley with just a valid photo ID. Their checking account comes with no minimum balance requirement and no monthly service fee.

In addition to a debit card, you also get unlimited check writing. Saco Valley offers mobile and online banking as well.

To become a member of Saco Valley, you must live, work, attend school, or worship in Maine’s Cumberland or York County. You can apply in person at their branches in Saco or Waterboro.

Town & Country Federal Credit Union

Town & Country Federal is said to check your credit rather than your ChexSystems record. There are a couple of different checking account options, with Better Checking being the most basic.

It comes with numerous perks, including no monthly service fee or minimum balance requirements. You don’t even need any specific deposit amount when opening your account.

Before you can open an account with Town & Country Federal, you have to become a member. Membership is open to anyone who lives, works, attends school, or worships in Cumberland or York County, Maine.

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.