Banks That Don’t Use ChexSystems in Massachusetts

Opening a checking account in Massachusetts isn’t always simple if you’ve had banking issues in the past. ChexSystems reports can hold you back—even for minor slip-ups.

But you’re not out of luck. There are second chance banks in Massachusetts, along with a few that don’t use ChexSystems at all. These banks give you a real shot at getting back on track.

11 Banks in Massachusetts That Don’t Use ChexSystems

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.

Current

Our Top Pick

Features & Benefits

  • Build credit just by using your debit card
  • No minimum balance or monthly fees
  • 40,000 fee-free Allpoint ATMs in the U.S.
  • Get paid up to 2 days faster

Current doesn’t use ChexSystems or run credit checks, so approval is easy—even with a rough banking history.

There are no monthly fees, no minimum balance, and you get access to 40,000 fee-free ATMs.

You can also build credit by using your debit card—no loans, credit pulls, or interest charges.

Current includes fee-free overdraft protection up to $200 and lets you get paid up to two days early with direct deposit. Optional Savings Pods earn up to 4.00% APY.

SoFi

Features & Benefits

  • Sign-up bonus up to $300 with qualifying direct deposits
  • No monthly fee
  • Earn up to 3.80% APY on savings
  • Over 55,000 fee-free ATMs

SoFi doesn’t use ChexSystems and offers a no-fee checking and savings account with solid perks.

You can earn up to 3.80% APY on savings, access over 55,000 fee-free ATMs, and get paid up to two days early with direct deposit.

There are no overdraft fees, balance requirements, or monthly charges. You can also earn a sign-up bonus of up to $300 when you set up qualifying direct deposits.

Chime

Features & Benefits

  • No monthly fees or minimums
  • Credit Builder Card with no interest, fees, or credit pull
  • Get paid up to 2 days early with direct deposit
  • Over 60,000 fee-free1 ATMs

Chime doesn’t use ChexSystems or run credit checks, so anyone can open an account.

There’s no monthly fee, no minimum opening deposit, and access to over 60,0001 fee-free ATMs.

You can also build credit7 with the Secured Chime Credit Builder Visa® Credit Card—no annual fees, interest charges1, or credit pull required.

Direct deposit users can get paid up to two days early2, and cash deposits are free at over 8,500 Walgreens locations.

Alden Credit Union

No Boundaries Checking from Alden Credit Union offers a second chance for those looking to rebuild their financial history.

While there are some restrictions based on your ChexSystems record, if approved, you’ll receive an ATM card and 50 free personalized checks. You can also take advantage of Alden’s online banking, bill pay, and notary services.

The account requires a $10 deposit to open, and there is a $7.50 monthly service fee.

Membership is open to those who live, work, worship, or attend school in Hampden and Hampshire Counties, or if a family member is already a member.

Alden has two branches located in Chicopee and Belchertown, Massachusetts.

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.

To open the account, you’ll first need to become a member by depositing $25 into a savings account and paying off any charged-off accounts from other institutions.

After that, you can make a $25 opening deposit for Fresh Start Checking. The account has a $9.95 monthly fee, which drops to $7.95 with direct deposit.

Membership is available to individuals who live, work, or attend school in Worcester, Franklin, or Hampshire County, Massachusetts. Athol CU only has one location in Athol.

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.

Members receive a free Visa debit card, online and mobile banking access, and remote deposit capture.

To become a member, you must live or work in certain areas, including Berkshire County, Westfield, Southwick, Granville, Montgomery, or Russell, Massachusetts; Columbia County, New York; or Bennington County, Vermont.

Greylock FCU has branches in Adams, Great Barrington, Lee, Lenox, North Adams, Pittsfield, and Williamstown.

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.

The bank offers several checking accounts to fit different needs: TD Complete Checking, TD Beyond Checking, and TD Essential Banking.

  • TD Complete Checking has a $15 monthly fee, which can be waived in three ways, including direct deposits.
  • TD Beyond Checking offers interest and no ATM fees, with a $25 fee that can be waived by maintaining a daily balance.
  • TD Essential Banking is a checkless account with a $4.95 fee and no minimum balance, ideal for basic banking.

TD Bank has branch locations throughout Massachusetts, including cities such as Boston, Brockton, Cambridge, Fall River, Framingham, Lawrence, Lowell, Quincy, Springfield, and Worcester.

Washington Savings Bank

Washington Savings Bank offers the Online Rewards Checking account, which has more lenient ChexSystems requirements and no credit check.

To qualify, you must not have any fraud or criminal activity in your banking history, and any charge-offs must be under $2,000. A direct deposit from payroll or a government source is also required.

The account has a $9.95 monthly fee, but after a year of responsible management, you can upgrade to a free checking account.

Washington Savings Bank has branches in Dracut and Lowell, Massachusetts.