Banks That Don’t Use ChexSystems in Maine

SoFi doesn’t use ChexSystems and offers a no-fee checking and savings account with solid perks.

You can earn up to 3.30% APY on savings, access over 55,000 fee-free ATMs, and get paid up to two days early with direct deposit.

There are no overdraft fees, balance requirements, or monthly charges. You can also earn a sign-up bonus of up to $400 when you set up qualifying direct deposits.

Current doesn’t use ChexSystems or run credit checks, so approval is easy—even with a rough banking history.

There are no monthly fees, no minimum balance, and you get access to 40,000 fee-free ATMs.

You can also build credit by using your debit card—no loans, credit pulls, or interest charges.

Current includes fee-free overdraft protection up to $200 and lets you get paid up to two days early with direct deposit. Optional Savings Pods earn up to 4.00% APY.

Chime doesn’t use ChexSystems or run credit checks, so anyone can open an account.

There’s no monthly fee, no minimum opening deposit, and access to over 47,000¹ fee-free ATMs.

You can also build credit⁷ with the Secured Chime Credit Builder Visa® Credit Card—no annual fees, interest charges¹, or credit pull required.

Direct deposit users can get paid up to two days early², and cash deposits are free at over 8,500 Walgreens locations.

Stash offers a checking account that doesn’t require a credit check or ChexSystems approval, making it accessible if you’ve faced banking challenges in the past.

Each time you use your Stash debit card, you earn Stock-Back® rewards—fractional shares of stock in the companies where you shop.

You can also receive your paycheck sooner with early direct deposit, and there are no overdraft fees to worry about.

The account includes access to over 55,000 fee-free ATMs and is managed through the Stash app, which also features investing and money management tools.

If you’ve had an overdrawn account closed and appear on national lists that other institutions use, this account provides a second chance. The account has a low monthly fee of $5.

CCFCU has locations in several Maine cities, including Falmouth, Gray, Portland, Westbrook, Windham, and Yarmouth.

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.

This account includes tools for money management, budgeting guides, and e-alerts to help keep you on track.

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.

Their checking account has no minimum balance requirement and no monthly service fee. Members receive a debit card, unlimited check writing, and access to mobile and online banking.

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

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 numerous 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.