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.
Millbury Savings Bank
They do not use either of those systems. However, they do use a separate system for ID verification.
As long as the debt is paid and the report does not show fraud, they will open an account.
Rollstone Bank & Trust
They do not use ChexSystems or a credit report.
Greylock Federal Credit Union
When opening a new account at Greylock they do not pull a credit report unless you are applying for a loan.