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 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.

Non-ChexSystems & Second Chance Banks in Maryland

Take a look at 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.


Our Top Pick
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on Chime's secure website

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 Spending Account is 100% free and has no monthly fees:

  • no overdraft fees
  • no monthly maintenance fees
  • no foreign transaction fees
  • no minimum balance fees

They’ll even spot you up to $200 on debit card purchases with no overdraft 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 60,000 fee-free MoneyPass® and Visa® Plus Alliance ATMs. Plus, you can get your paycheck up to 2 days earlier with direct deposit. You can also deposit cash for free at over 8,500 Walgreens.

You can see why Chime is our #1 choice.

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Our Second Pick
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on Current's secure website

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 banking account includes fee-free overdraft protection of up to $100. You 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.

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Our Third Pick
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on Sable's secure website

Sable allows you to open a bank account with a debit card and secured credit card in just 5 minutes.

There are no credit checks, no fees, and no minimum deposit required. You can also get an unsecured credit card in about 4 months after using your secured card. That’s 3x faster than what traditional banks offer.

The Sable credit card offers 2% cashback on your favorite brands.

To open a Sable account, you don’t need a social security number or U.S. credit history. You can also send money to 55+ countries and get multilingual customer support.

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Central Credit Union of Maryland

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on Central CU of Maryland's secure website

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.

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Clear Mountain Bank

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on Clear Mountain Bank's secure website

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.

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Greenbelt Federal Credit Union

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on Greenbelt's secure website

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.

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Security Plus Federal Credit Union

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on Security Plus' secure website

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.

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United Bank

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on United Bank's secure website

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.

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Woodforest National Bank

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on Woodforest's secure website

Woodforest National Bank offers a Second Chance Checking account. 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.

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