Banks That Don’t Use ChexSystems in Massachusetts

Have you tried to open a checking account in Massachusetts, but can’t get approved? It’s probably because you have a negative listing in ChexSystems. Most banks in Massachusetts use ChexSystems to review your banking history.

Fortunately, you still have options. There are several banks that don’t use ChexSystems during the application process, and others that offer second chance checking.

Non-ChexSystems & Second Chance Banks in Massachusetts

Take a look at this comprehensive list of banks and credit unions in Massachusetts that either don’t use ChexSystems, or offer second chance checking accounts.

Chime

Our Top Pick
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Features & Benefits

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

With Chime®, bad banking history is not an issue. They offer an award-winning financial app, a debit card, and a credit builder Visa® credit card, all with no credit check.

The Chime Checking Account is 100% free and has no monthly fees:

  • no monthly maintenance fees
  • no foreign transaction fees
  • no minimum balance fees

You can also start building your credit with the Chime Credit Builder Visa® Credit Card. It’s a secured credit card with no annual fees, no credit checks, and no interest charges.

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.

You can see why Chime is our #1 choice.

Current

Our Second Pick
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Features & Benefits

  • No credit check or ChexSystems
  • No minimum balance or hidden 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

Current is a financial technology company, not a bank. The company does not use ChexSystems or pull your credit report, and they have a lot to offer.

A Current mobile bank account includes fee-free overdraft protection of up to $200. Account holders also get access to over 40,000 fee-free Allpoint ATMs with your Current debit card, and there is no minimum balance or hidden fees.

You can also get paid up to two days early with direct deposit with a Current Premium account. Plus, Current offers up to 4.00% APY with Current Savings Pods.

Upgrade

Our Third Pick
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Features & Benefits

  • No minimum balance requirement
  • No monthly fees
  • No overdraft fees
  • Visa debit card, iOS and Android mobile app
  • Up to 2% cash back

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 ATM fees. You’ll also get up to 2% cash back on everyday debit card purchases.

Upgrade reimburses up to five out-of-network ATM fees per month if you meet certain conditions.

Upgrade is partnered with Cross River Bank, Member FDIC, and your funds are FDIC-insured up to $250,000. With an Upgrade checking account, you can also get up to 20% lower rates on Upgrade loans and credit cards.

Alden Credit Union

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.

Aspiration

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Aspiration’s Spend & Save Account is a hybrid checking and savings account that is entirely online. There’s a $10 minimum opening deposit to get started.

With an Aspiration debit card, you get unlimited fee-free withdrawals at over 55,000 ATMs and one out-of-network ATM reimbursement per month. You can also get paid up to two days early with direct deposit.

You can earn up to 5.00% APY when you spend $1,000/month and deposits are FDIC insured.

Athol Credit Union

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.

Axos Bank

Axos Bank doesn’t use ChexSystems or pull your credit report.

The Rewards Checking account from Axos Bank has no monthly maintenance fees, unlimited domestic ATM fee reimbursements, and it comes with cash back rewards.

You get unlimited free mobile deposits and your funds are FDIC insured up to $250,000. Plus, there are no overdraft fees or non-sufficient fund fees.

There are no minimum balance requirements, and you’ll only need a $50 deposit to open the account.

Greylock Federal Credit Union

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 Savings Bank

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.

Rollstone Bank and Trust

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

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.

Webster Bank

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.

1. Out-of-network ATM withdrawal fees may apply with Chime except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

2. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. Chime generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.