Banks That Don’t Use ChexSystems in Maryland

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.

You could potentially qualify for the account even if you have a ChexSystems record.

To open the account, you must sign up for direct deposit and there’s a monthly fee. After you’ve responsibly managed your account for 12 months, you can upgrade to free Central Checking.

To qualify for membership, you must be an employee of an affiliated business. There are two branch locations, one in Baltimore and one in Perry Point.

First Step doesn’t offer check writing but includes a debit card. It has a $9.95 monthly fee, which drops to $6.95 with direct deposit.

The minimum deposit to open is $50, with no minimum balance requirement. After 18 months in good standing, you may upgrade to a traditional checking account.

StartFresh Checking allows unlimited check writing. Successfully managing this account for 18 months makes you eligible to apply for a traditional checking account. While the bank is based in West Virginia, it also has a branch in Oakland, Maryland.

This account has no monthly fees or minimum balance requirements and provides you with access to over 30,000 surcharge-free ATMs and 5,000+ shared branches. Digital banking and bill pay are also included.

After six months, your account will automatically upgrade to Regular Checking, allowing access to mobile check deposit and Privilege Pay.

Direct deposit is required to open Fresh Start Checking, but if unavailable, you may qualify for Provisional Checking.

Market USA has branches in Laurel, Maryland, as well as nationwide locations through the Shared Branch Network.

The account has a $5 monthly fee, which can be waived if you receive at least one electronic ACH deposit each month.

To open the account, a $25 minimum deposit is required. You’ll receive a Visa debit card after 30 days and your first order of checks for free. Revive Checking also includes online and mobile banking features.

Membership is available to anyone who lives, works, worships, or attends school in Baltimore, or is a family member of an existing member. SPFCU has branches in Baltimore and Owings Mills.

The credit union offers a free checking account with no monthly fees or minimum balance requirements, along with access to over 30,000 fee-free ATMs.

TFCU has branches in Annapolis, Annapolis Junction, Columbia, Ellicott City, Gambrills, Hanover, Laurel, Millersville, Owings Mills, and Pasadena.

They offer three checking options: United Free Checking, Platinum Checking, and United Rewards Checking, each catering to different banking needs.

United Free Checking is a no-fee, no minimum balance account, making it a simple and straightforward option. The account requires a $50 minimum deposit to open.

United Bank has branches in Annapolis, Bethesda, Bowie, Crofton, Gaithersburg, Hagerstown, Landover Hills, Rockville, Rosedale, and Silver Spring.

The account requires a minimum deposit of $25 to open and includes a one-time setup fee of $9.

The monthly maintenance fee is $11.95, but this can be reduced to $9.95 with direct deposit enrollment. Customers can also opt for e-statements to avoid the additional $3 paper statement fee.

Woodforest National Bank has branches in several Maryland locations, including Aberdeen, Arbutus, California, Cockeysville, Frederick, Fruitland, Hanover, Landover Hills, Laurel, Pocomoke City, Salisbury, and Severn.