Banks That Don’t Use ChexSystems in Maine

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

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


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.


Our Second Pick
LetMeBank’s rating
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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.


Our Third Pick
LetMeBank’s rating
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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.


LetMeBank’s rating
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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.

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.

Infinity Credit Union

Infinity Federal’s second chance checking account is called Bridge Checking. It comes with several benefits, including no monthly fees, no minimum deposit, and no balance requirements.

You get your first order of checks for free, in addition to unlimited check writing. However, there are some limitations, including no overdrafts allowed.

Your debit card is limited to a $100 daily ATM withdrawal and $1,000 a day through transactions. Check deposits are also held for an extended period of time.

Infinity Federal has locations in the Bangor and Portland areas of Maine. To become a member, you must live, work, worship, or attend school in Cumberland and York Counties, and in the City of Bangor, Maine.

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 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 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.

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.