Banks That Don’t Use ChexSystems in Maryland

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 a free Visa debit card, and up to 2% cash back on everyday debit card purchases.

The Upgrade Premier Savings account delivers an impressive 4.69% APY, giving you a remarkable opportunity to grow your savings faster.

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.

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 4.30% on their savings and 0.50% on checking accounts.

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

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.

With Current, your everyday purchases can now shape your financial future. Simply by swiping your debit card, you can build credit. No loans or credit checks needed. There are also no monthly or annual fees for this service.

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.

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.

First Tech Federal Credit Union offers an attractive banking solution that goes beyond traditional constraints, providing members with a combination of high-yield interest and multiple financial incentives across its platforms.

With the First Tech Rewards Checking & Savings accounts, there are no minimum balance requirements and no monthly maintenance fees.

These accounts offer competitive interest rates, with the potential to earn up to 4.00% APY on both checking and savings accounts, depending on the balance—significantly higher than many conventional banks.

Additionally, First Tech offers extensive accessibility with over 30,000 CO-OP network ATMs nationwide for fee-free withdrawals.

The credit union also ensures enhanced financial security and flexibility with features like real-time fraud monitoring and free overdraft transfers.

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.

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.