Banks That Don’t Use ChexSystems in Massachusetts

Features & Benefits

• $100 bonus after 10 purchases
• No credit check or ChexSystems
• Over 16,000+ fee-free ATMs
• Over 4,700 branches nationwide
• $4.95 monthly service fee

Features & Benefits

• $100 sign-up bonus
• Earn up to 3.30% APY
• No monthly maintenance fees or overdraft fees
• Unlimited domestic ATM fee reimbursements
• Get early direct deposits and tax refunds up to 2 days early

The Rewards Checking account from Axos Bank is an excellent choice for those looking for a bank account with no monthly maintenance fees, unlimited domestic ATM fee reimbursements, and cash back rewards.

Features & Benefits

• Over 14.5 million downloads
• No credit check or ChexSystems
• No minimum opening deposit
• Over 60,000 fee-free¹ ATMs

Features & Benefits

• No minimum balance or monthly fees
• Fee-free overdraft up to $200 with Overdrive
• 40,000 fee-free Allpoint ATMs in the U.S.
• Get paid up to 2 days faster
• No credit check or ChexSystems

Features & Benefits

• No ChexSystems or credit check
• 4.50% APY on savings
• Over 19,000 fee-free ATMs
• $5 monthly fee can be waived

No Boundaries Checking is a second chance checking account from Alden for people who want to rebuild their financial history. There are some restrictions, presumably with the type of record you have with ChexSystems.

If you’re approved, however, you’ll get an ATM card along with 50 free personalized checks. You can also use Alden’s online banking, bill pay, and notary service. It takes $10 to open your account and $7.50 for a monthly service fee.

There are two branch locations you can go to, one in Chicopee and one in Belchertown, Massachusetts.

To become a member, you simply need to live, work, worship, or attend school in Hampden and Hampshire Counties in Massachusetts. Alternatively, you can also qualify if a family member is a current member.

For a simple checking account regardless of your past issues with insufficient funds at other financial institutions, try Athol’s Fresh Start Checking.

To get started, you’ll first need to become a member and deposit $25 into a savings account. You’ll also need to pay off any charged off accounts at other financial institutions.

Once you’ve completed these two steps, you can make your opening deposit of $25. The monthly fee is $9.95, which will be reduced to $7.95 if you sign up for direct deposit.

Membership to Athol CU is open to anyone who lives, works, or goes to school in Worcester County, Franklin County, or Hampshire County in Massachusetts.

While Greylock Federal may utilize ChexSystems, they won’t pull a credit report unless you’re applying for a loan. The Free Checking option requires just $15 to open, then there’s no monthly fee.

There’s also no minimum balance necessary to maintain. You get a free Visa debit card, online and mobile banking, and remote deposit capture.

Greylock FCU has branch locations in Western Massachusetts. To join, you need to have some kind of connection. You must live or work in Berkshire County, Westfield, Southwick, Granville, Montgomery, or Russell Massachusetts; Columbia County, New York; Bennington County, Vermont.

North Easton doesn’t use ChexSystems to screen applications so you have a better chance of qualifying. Check out the Totally FREE Checking, branded as a free account for everyone.

The opening deposit is a little above average at $50, but you don’t have to worry about any monthly fees. Plus, you get free access to the usual banking services, like direct deposit, bill pay, and mobile banking.

If you’re located in Southeastern Massachusetts, it’s definitely worth giving it a try.

There’s no ChexSystems check or credit report check when you apply for an account with Rollstone Bank and Trust.

The Free Checking account comes with basic services with no monthly fee or monthly balance requirement. You do, however, have to add on extra services such as online banking, bill pay, and a debit card.

Rollstone Bank and Trust has several branch and mortgage center locations throughout North Central Massachusetts.

Washington Savings Bank offers the Online Rewards Checking account, which has less strict requirements for ChexSystems and no credit requirements whatsoever.

You can’t have any fraud or criminal activity in your banking history and former account charge-offs must be less than $2,000. You’re also required to have a direct deposit either from a payroll or government source.

The monthly fee for Online Rewards Checking is $9.95 and you can upgrade to a free checking account after a year of responsible account management.

Washington Savings Bank has branch locations in Dracut and Lowell, Massachusetts.

Consider Opportunity Checking from Webster Bank for a second chance checking account in Massachusetts. The minimum opening deposit is $50 and the monthly fee is $16.95.

The fee can be reduced to $11.95 per month if you enroll in direct deposit. You’ll get a Visa debit card and no per check charge. Webster Bank also provides free online and mobile banking, plus balance alerts.

Webster Bank has locations around the Boston area, as well as Cambridge, Wellesley, Attleboro, Brockton, Lexington, Needham, Seekonk, New Bedford, Brookline, Taunton, Fall River, Mattapoisett, Somerset, Quincy, Stoughton, South Dartmouth, and Newton.