Banks That Don’t Use ChexSystems in Massachusetts

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 3.80.00% APY on their savings and 0.50% APY on checking accounts.

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

Current lets you open a mobile bank account without ChexSystems checks or credit pulls. It’s built for speed, flexibility, and getting your finances back on track.

You can build credit just by using your Current debit card—no loans, credit checks, or interest charges involved. There are no monthly or annual fees for this feature.

Current also offers fee-free overdraft protection up to $200, access to over 40,000 Allpoint ATMs, and no minimum balance requirements.

With a Premium account, you can get paid up to two days early with direct deposit. Current also offers up to 4.00% APY through its Savings Pods, which lets you earn interest while keeping your money accessible.

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.

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 overdraft 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 4.02% APY, giving you a remarkable opportunity to grow your savings faster.

You’ll get access to over 55,000 fee-free ATMs through the Allpoint network, including Walgreens and CVS locations. Plus, checking account customers can qualify for up to 20% lower rates on Upgrade loans and credit cards.

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.

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.

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.

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.

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.

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.

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.

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.

The account requires a $50 minimum opening deposit and comes with a $16.95 monthly fee, which can be reduced to $11.95 with direct deposit.

With this account, you’ll receive a Visa debit card, and there’s no fee for writing checks. Webster Bank also provides free online and mobile banking, as well as balance alerts.

Webster Bank has branch locations in Attleboro, Boston, Brockton, Cambridge, Fall River, Lexington, Needham, Newton, Quincy, and Taunton, with additional locations throughout the state.