The following banks and credit unions offer excellent features and benefits. While we recommend them, they are not our top picks for the simple reason that they are not guaranteed banks. They have however helped a lot of people, and may be able to help you too.
Eaton Federal Savings Bank
They use TeleCheck when opening new checking accounts. They do not use Telecheck when opening savings accounts.
Settlers Federal Credit Union
They do not use ChexSystems or a credit report to open an account. They only need a valid ID.
Alpena Community Credit Union
They do not use ChexSystems or a credit report. They only need a valid ID.
Many people have been able to get accounts with TCF. They use ChexSystems but are extremely lenient, definitely worth a chance.