Struggling to open a checking account in Massachusetts due to a negative ChexSystems listing?
While most banks use ChexSystems to review your banking history, there are some that don’t. Additionally, some banks offer second checking accounts.
Non-ChexSystems & Second Chance Banks in Massachusetts
We’ve compiled a comprehensive list of Massachusetts banks and credit unions that allow anyone to open a checking account, regardless of their banking history.
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- Sign-up bonus up to $300 with qualifying direct deposits
- No monthly fee
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Current
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- Build credit just by using your debit card
- No minimum balance or monthly fees
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- Get paid up to 2 days faster
- No credit check or ChexSystems
Chime®
Features & Benefits
- Over 14.5 million downloads
- No credit check or ChexSystems
- No minimum opening deposit
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First Tech Federal Credit Union
Features & Benefits
- Up to $300 sign-up bonus with direct deposit
- Earn up to 3.50% APY
- No minimum balance requirements
- Over 30,000 fee-free ATMs
Alden Credit Union
No Boundaries Checking from Alden Credit Union offers a second chance for those looking to rebuild their financial history.
Athol Credit Union
Athol Credit Union offers Fresh Start Checking for those looking for a simple account, even if they’ve had past issues with insufficient funds.
GFA Federal Credit Union
New Start Checking from GFA Federal Credit Union offers a fresh start for those looking to regain access to banking services.
With a $25 minimum opening deposit, you’ll receive a debit card, free eStatements, and free mobile and online banking. Although there are no paper checks or overdraft protection, your balances are insured by NCUA.
GFA has branch locations in Ashburnham, Gardner, Hubbardston, Leominster, Rutland, and Winchendon, Massachusetts.
Greylock Federal Credit Union
Greylock Federal Credit Union does not use ChexSystems for screening new applicants. Their Free Checking option is easy to open with just a $15 deposit, and there are no monthly fees or minimum balance requirements.
North Easton Savings Bank
North Easton Savings Bank doesn’t use ChexSystems to screen applications, giving you a better chance of qualifying.
Their Totally FREE Checking account is available to everyone. While the opening deposit is $50, there are no monthly fees, and you’ll get access to services like direct deposit, bill pay, and mobile banking.
North Easton has branches in Brockton, Carver, Easton, Halifax, Hanson, Mansfield, Middleboro, Norton, Plymouth, and Whitman.
Rollstone Bank and Trust
Rollstone Bank and Trust doesn’t use ChexSystems or credit reports when you apply for an account. Their Free Checking account has no monthly fee or balance requirement. However, services like online banking, bill pay, and a debit card are optional add-ons.
Rollstone Bank and Trust has branches in Fitchburg, Groton, Harvard, Leominster, and Townsend.
TD Bank
TD Bank doesn’t use ChexSystems, making it a viable option for those who might have struggled with banking history in the past.
Washington Savings Bank
Washington Savings Bank offers the Online Rewards Checking account, which has more lenient ChexSystems requirements and no credit check.
Webster Bank
Consider Opportunity Checking from Webster Bank if you’re looking for a second chance checking account in Massachusetts.
Non-ChexSystems Banks by State
Looking for more information and additional options available in your area? Select your state from the list below to explore your options.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming