The following banks and credit unions offer excellent features and benefits. While we recommend them, they are not our top picks for the simple reason that they are not guaranteed banks. They have however helped a lot of people, and may be able to help you too.
Rollstone Bank & Trust
They do not use ChexSystems or a credit report.
As long as the debt is paid and the report does not show fraud, they will open an account.
Mutual Bank does not use ChexSystems or pull a credit report when opening a new checking or savings account.
Millbury Savings Bank
They do not use either of those systems. However, they do use a separate system for ID verification.