Even if you’ve been denied a checking account because of your history in ChexSystems, you don’t have to wait years until the record is deleted in order to get back into banking.
Finding the right bank in Maryland is the first step in successfully taking advantage of all a bank account has to offer. From there, you can start rebuilding your banking and credit history to continually receive better terms and offers for financial products of all kinds.
Check out our full list of banks in Maryland that don’t use ChexSystems and banks that offer second chance banking. Our list also includes online banks that can help you meet your specific banking needs.
*It’s important to note that while some banks listed may not use Chexsystems, they may utilize a similar system to do a credit check like Early Warning Service (EWS).
BBVA is a non-ChexSystems bank that uses EWS. They operate online and are available to residents across the U.S. With this account, you don’t have to worry about paying a monthly service charge or keeping a certain minimum balance month after month.
Plus, you just need a $25 deposit to open the account. When you sign up for e-statements, you can get the monthly $3 paper statement fee waived as well.
It comes with a free Visa debit card and a convenient mobile banking app. You can also access over 64,000 ATMs across the nation for free, as long as they’re in either the Allpoint or BBVA network. There’s even a cash back rewards program that allows you to earn points on your everyday debit purchases.
Chime is an online banking account that is available to Maryland residents. You can manage your account entirely through the mobile app, which helps you stay on top of your account with balance and transaction alerts. There are no monthly fees or minimum balance requirement, making it a convenient option.
Another perk benefits account holders using direct deposit. You can access your funds up to two days earlier. You can also opt-in for a savings account and link it to your checking for an easy and automated saving plan.
An account from Chime comes with a Visa debit card and free access to MoneyPass and Visa Plus Alliance ATMs. The Chime Checkbook features allow you to send checks from the app to anywhere in the 50 states.
CCU of Maryland offers members Renew Checking, which is specifically designed for those who have had already had trouble opening a checking account. 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.
StartFresh Banking from Clear Mountain Bank is another way to get a checking account despite your financial past. There are two options to choose from: StartFresh First Step and StartFresh Checking.
First Step doesn’t allow check writing, but it does come with a debit card. There’s a $9.95 monthly fee, which is reduced to $6.95 if you sign up for direct deposit. You’ll need $50 to open the account but going forward, there’s no minimum balance required. After 12 months in good standing, you can apply for StartFresh Checking.
This account is similar to First Step, but you also get unlimited check writing. After 18 months of successfully managing this account, you can apply for a traditional account. The bank is headquartered in West Virginia, but has a Maryland branch in Oakland.
Greenbelt Federal is a non-ChexSystems Bank that instead uses Telecheck. They’re located in Greenbelt, Maryland and to qualify for membership you must live, work, worship, or attend school there.
For checking, Greenbelt FCU offers a convenience share draft checking account that doesn’t require a minimum balance. You’ll also need a share savings account, which does come with a minimum balance requirement of $25.
Security Plus Federal offers second chance checking called Revive Checking. The monthly fee is $5, but that can be waived entirely as long as you receive at least one electronic ACH deposit into the account each month.
To open the account, you’ll need to make a deposit of at least $25. You’ll receive a Visa debit card 30 days after you open your account, plus you’ll get your first order of checks for free. Revive Checking comes with online and mobile banking features.
Membership is open to anyone who lives, works, worships, or attends school in the city of Baltimore. You can also be an employee of a select employer or be a family member of an existing SPFCU member. Branches are located in Baltimore and Owings Mill.
United Bank doesn’t use ChexSystems or a credit report to approve applicants, so you could potentially qualify for one of their three checking accounts: United Free Checking, Platinum Checking, or United Rewards Checking.
United Free Checking has no minimum balance required and doesn’t charge a monthly fee. You just need a $50 deposit to open your account.
Mobile banking is free with direct deposit and you can deposit checks through the app. You can also access Apple Pay, Android Pay, and Samsung Pay. United Bank has multiple locations throughout the state of Maryland, particularly in the western portion of the state and around Washington, D.C.
Wells Fargo has locations throughout the state of Maryland and offers Opportunity Checking. The account comes with access to both online and mobile banking, plus a platinum debit card.
If you open an Opportunity Savings account and link it to your checking account, you can also sign up for overdraft protection. Get started with a $25 initial deposit. After that, you’ll pay a $10 monthly service fee. You can, however, easily get this waived by doing just one of the following:
- Posting 10 or more debit card payments each month
- Signing up for at least $500 in qualifying direct deposits each month
- Maintaining a minimum daily balance of $1,500 or more
Other standard perks that come with Opportunity Checking include fraud monitoring and liability protection. To apply, you must first apply for Everyday Checking. If you’re denied, you can then apply for Opportunity Checking.
Second Chance Checking is an account available from Woodforest National Bank. The minimum opening deposit is a standard $25. Without direct deposit, you’ll pay a monthly fee of $11.95, but that can get dropped to just $9.95 if you do sign up for direct deposit.
There’s also a $3 monthly paper statement fee if you don’t elect to receive e-statements. When opening your account, you’ll also be required to pay a one-time fee of $9. There are Woodforest National Bank locations in Arbutus, Severn, Cockeysville, Hanover, Laurel, and Landover Hills, Maryland.