Banks That Don’t Use ChexSystems in Maryland

The SoFi Checking and Savings account provides a multitude of benefits, including no overdraft fees, balance requirements, or monthly charges.

For a limited time, there’s an enticing sign-up bonus of up to $300 with qualifying direct deposits.

In addition, account holders can utilize 55,000 ATMs free of charge via the Allpoint® Network. Those establishing direct deposit can earn up to 3.80.00% APY on their savings and 0.50% APY on checking accounts.

Direct deposit users also get the added benefit of early access to their paychecks – up to 2 days ahead.

Current lets you open a mobile bank account without ChexSystems checks or credit pulls. It’s built for speed, flexibility, and getting your finances back on track.

You can build credit just by using your Current debit card—no loans, credit checks, or interest charges involved. There are no monthly or annual fees for this feature.

Current also offers fee-free overdraft protection up to $200, access to over 40,000 Allpoint ATMs, and no minimum balance requirements.

With a Premium account, you can get paid up to two days early with direct deposit. Current also offers up to 4.00% APY through its Savings Pods, which lets you earn interest while keeping your money accessible.

With Chime, bad banking history is not an issue. They offer an award-winning financial app, a checking account with a debit card, and a savings account, all with no credit check.

When you open a Chime Checking Account, you won’t have to worry about monthly maintenance fees, foreign transaction fees, or minimum balance fees.

You can also start building your credit⁷ with the Secured Chime Credit Builder Visa^® Credit Card. It’s a secured credit card with no annual fees, no credit checks, and no interest charges¹.

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.

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 overdraft fees. You’ll also get a free Visa debit card, and up to 2% cash back on everyday debit card purchases.

The Upgrade Premier Savings account delivers an impressive 4.02% APY, giving you a remarkable opportunity to grow your savings faster.

You’ll get access to over 55,000 fee-free ATMs through the Allpoint network, including Walgreens and CVS locations. Plus, checking account customers can qualify for up to 20% lower rates on Upgrade loans and credit cards.

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.