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.
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.
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 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 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.
You could 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 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. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or beneﬁts payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, veriﬁcation or trial deposits from ﬁnancial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
Non-ChexSystems Banks by State
Looking for more information and additional options available in your area? Select your state from the list below to explore your options.
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- Washington, DC
- West Virginia