Struggling to open a checking account in Michigan due to a negative ChexSystems listing?
While most banks use ChexSystems to review your banking history, there are some that don’t. Additionally, some banks offer second checking accounts.
Non-ChexSystems & Second Chance Banks in Michigan
We’ve compiled a comprehensive list of Michigan banks and credit unions that allow anyone to open a checking account, regardless of their banking history.
Upgrade
Features & Benefits
- Up to 4.69% APY on savings
- Up to 2% cash back
- No minimum balance requirement
- No monthly fees or overdraft fees
SoFi
Features & Benefits
- Sign-up bonus up to $300 with qualifying direct deposits
- No monthly fee
- Earn up to 4.30% APY on savings
- Over 55,000 fee-free ATMs
Current
Features & Benefits
- Build credit just by using your debit card
- No minimum balance or monthly fees
- 40,000 fee-free Allpoint ATMs in the U.S.
- Get paid up to 2 days faster
- No credit check or ChexSystems
Chime
Features & Benefits
- Over 14.5 million downloads
- No credit check or ChexSystems
- No minimum opening deposit
- Over 60,000 fee-free1 ATMs
First Tech Federal Credit Union
Features & Benefits
- Earn up to 4.00% APY
- No monthly fees
- No minimum balance requirements
- Over 30,000 fee-free ATMs
Central Savings Bank
Central Savings Bank uses credit reports instead of ChexSystems for applicants. A solid credit history qualifies you for one of their two checking accounts.
Community First Federal Credit Union
Community First Federal Credit Union uses credit reports rather than ChexSystems when screening new account applicants. As long as your credit is in good standing, what ChexSystems has on file won’t impact your eligibility.
Consumers Credit Union
Consumers Credit Union does not use ChexSystems, but instead checks credit reports for new members.
Copoco Community Credit Union
Copoco Community uses Telecheck rather than ChexSystems to screen new members.
To avoid monthly fees, members must maintain a $300 balance or sign up for direct deposit. Otherwise, a $2 monthly fee applies. Members also receive free access to Powerline Audio Teller, online banking, and free check images.
Copoco Community has branch locations in Bay City and Saginaw, Michigan.
Covantage Credit Union
Instead of using ChexSystems, Covantage Credit Union reviews your credit report for new member screenings. There are no monthly service fees or minimum balance requirements.
Credit Union One
Credit Union One offers a second chance account called Basic Checking, designed to help members build a positive banking history.
Eaton Community Bank
Eaton Community Bank uses Telecheck instead of ChexSystems to screen all new applicants, which is helpful for those who have been denied membership because of ChexSystems information.
Family First Credit Union
Family First Credit Union checks your credit report instead of using ChexSystems for membership eligibility.
Farmers and Merchants State Bank
Farmers and Merchants State Bank offers a second chance checking account designed to help members rebuild their financial standing.
Horizon Bank
Horizon Bank offers a Fresh Start Checking Account without requiring a minimum opening balance. It includes unlimited check writing and provides free online and mobile banking.
Intandem Credit Union
Intandem Credit Union offers the Fresh Start Checking account, designed for individuals looking to overcome past checking account issues.
Marshall Community Credit Union
Marshall Community Credit Union offers Fresh Start Checking to those with a troubled financial history.
Members First Credit Union
Members First Credit Union does use ChexSystems when approving new accounts, but they may still approve your application even with a negative entry or two.
Michigan First Credit Union
Michigan First Credit Union offers Classic Checking, a second chance account for those looking to rebuild their banking history. The account comes with a $20 monthly fee, but no minimum balance is required.
Michigan State University Federal Credit Union
Michigan State University Federal Credit Union offers a Rebuild Checking Account designed for members who need to repair their financial history.
Portland Federal Credit Union
Portland Federal Credit Union uses your credit report instead of ChexSystems to screen applicants, making it a great option for those with a strong credit history but past banking issues.
With no minimum deposit to open an account, PFCU offers convenient features like automatic bill pay and 24/7 online access.
PFCU has branches in Caledonia, Durand, Flint, Ionia, Lake Odessa, Lansing, Lowell, Owosso, Perry, Portland, Swartz Creek, and Westphalia, Michigan.
Public Service Credit Union
Public Service Credit Union (PSCU) uses Telecheck instead of ChexSystems to screen new applicants.
Settlers Federal Credit Union
Settlers Federal Credit Union (SFCU) offers checking accounts to individuals who live, work, attend school, or worship in Ontonagon or Gogebic County.
With just a government-issued ID, you can apply for an account and enjoy benefits like money transfers between SFCU accounts, loan payments, and a centralized bill pay system to manage all your payments in one place.
SFCU has locations in Bruce Crossing and Watersmeet, Michigan.
Straits Area Federal Credit Union
Straits Area Federal Credit Union (SAFCU) does not rely on ChexSystems. Instead, they require prospective account holders to provide a government-issued ID for screening. If no issues arise, you may be able to open an account with them.
A checking account with SAFCU comes with no monthly fees, access to over 28,000 co-op network ATMs, free checking, free bill pay, and free transfers between savings and checking.
SAFCU has branch locations in Cheboygan, Indian River, and Mackinaw City, Michigan.
TBA Credit Union
TBA Credit Union relies on your credit report, not ChexSystems, for membership approval.
Team One Credit Union
Team One Credit Union uses your credit report for application screening, making it a solid option for those who have faced past banking challenges but maintained a good credit history. If your credit score is in good standing, Team One may open an account for you.
United Bay Community Credit Union
United Bay Community Credit Union uses Telecheck instead of ChexSystems, offering a chance to open an account if your financial history has affected you elsewhere.
All accounts are insured up to $250,000 by the NCUA, and only a $5 minimum balance is required. Members can also take advantage of additional savings opportunities, such as the Christmas Club account, IMMA account, and youth accounts.
United Bay Community Credit Union has branches in Bay City, Coleman, Mattawan, Pinconning, and Portage, Michigan.
Vibe Credit Union
Vibe Credit Union checks your credit report instead of using ChexSystems, making it a viable option for those with past financial challenges but a good credit history.
West Michigan Credit Union
West Michigan Credit Union reviews your credit report instead of using ChexSystems when opening a new account.
Non-ChexSystems Banks by State
Looking for more information and additional options available in your area? Select your state from the list below to explore your options.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming