Banks That Don’t Use ChexSystems in Massachusetts

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

You can earn up to 3.30% 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 $400 when you set up qualifying direct deposits.

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.

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 47,000¹ 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.

Stash offers a checking account that doesn’t require a credit check or ChexSystems approval, making it accessible if you’ve faced banking challenges in the past.

Each time you use your Stash debit card, you earn Stock-Back® rewards—fractional shares of stock in the companies where you shop.

You can also receive your paycheck sooner with early direct deposit, and there are no overdraft fees to worry about.

The account includes access to over 55,000 fee-free ATMs and is managed through the Stash app, which also features investing and money management tools.

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.