Banks That Don’t Use ChexSystems in Mississippi

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

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

Chime

Our Top Pick
LetMeBank’s rating
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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.

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.

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.

BankPlus

BankPlus offers an education program that allows you to access bank accounts as well as loans, all while helping you rebuild your banking and credit history.

It’s called CreditPlus, and it’s a course centering around financial literacy to help you manage your money better. Once you complete the course, you can establish a CreditPlus checking and savings account. If you’ve been stuck in the payday lending cycle, you can also then apply for a CreditBuilder loan.

BankPlus has more than 30 branch locations throughout the state of Mississippi.

Cadence Bank

Cadence Bank offers several checking accounts that don’t use ChexSystems. Minimum opening deposits range from $25 to $1,000. However, for some checking accounts you can get the monthly fee waived by meeting certain requirements.

The accounts come with the basic features you’d expect, like a free debit card, online banking, and bill pay.

Citizens National Bank

You can apply for Citizens National Bank’s Clean Slate Checking account. If you keep your account in good standing for 18 months, you can then upgrade to a traditional checking account.

Get started with Clean Slate Checking with a $50 opening deposit, then pay a monthly service fee of $9.95. That can be reduced by $2 if you sign up for direct deposit.

Once your account is opened, you’ll get a debit card, online banking, and mobile banking. You can also take advantage of text banking and Apple Pay.

When you need in-person service or support, you can find Citizens National Bank branches in the following locations:

  • Carthage
  • Columbus
  • Flowood
  • Hattiesburg
  • Kosciusko
  • Laurel
  • Macon
  • Madison
  • Meridian
  • Olive Branch
  • Philadelphia
  • Quitman
  • Ridgeland
  • Southaven
  • Waynesboro

First Bank

Rather than using ChexSystems, First Bank uses Telecheck to approve checking account applications. There are multiple account options to choose from.

The most basic one is Regular Checking, which has just a $5.95 monthly fee that can be waived if you keep $500 in your account. The opening deposit is $100.

First Bank has 17 locations throughout Southwest Mississippi, including Brookhaven, Hattiesburg, Liberty, Madison, Magnolia, McComb, Monticello, Osyka, and Summit.

First National Bank of Picayune

First National Bank of Picayune also uses Telecheck rather than ChexSystems. The three checking account options include Choice, Choice PLUS, and Max Checking.

With Choice Checking, you only need a $50 opening deposit. If you keep at least $50 in your account, you’ll get the $6 monthly fee waived.

There are six First National Bank of Picayune branches located in Picayune, Poplarville, and Wiggins.

Gulf Coast Community Federal Credit Union

You can get a New Chance Checking account from Gulf Coast Community Federal. To qualify, your ChexSystems record can be unpaid and less than one year old.

If you’ve paid your outstanding fees already and they’re more than a year old, you can apply for any account you want.

The New Chance Checking account has a $15 monthly fee and requires a $100 opening deposit, but there is no minimum balance requirement. For transactions, you get a free Visa debit card, plus unlimited check writing.

After a year of no more than two NSF charges, you can apply for a traditional checking account. Gulf Coast Community Federal has branches in Gulfport, Bay St. Louis, and D’Iberville.

Hope Credit Union

Hope Credit Union uses ChexSystems, but they aren’t as strict with negative entries as other financial institutions.

As long as the applicant has a credit score of at least 600, and doesn’t owe any money to Hope Community, HCCU is likely to open an account.

Hope CU offers five checking account options. Some of them have a $25 minimum balance requirement and as a $9.95 monthly fee. However, the fee is waived if the account has at least $200 in it.

Checking accounts come with unlimited paperless transactions, free online and mobile banking, free eStatements, and overdraft protection options.

Magnolia Federal Credit Union

Opportunity Checking is a second chance account from Magnolia Federal. It takes a $20 opening deposit, plus an account opening fee of another $20. If you sign up for direct deposit, you’ll pay just $15 per month, but the fee jumps to $20 if you don’t sign up for direct deposit.

In addition to the standard banking features and services you can enjoy with the Opportunity Checking account, Magnolia FCU also offers some pretty substantial incentives to keep your account in good standing.

After 12 months of perfectly managing your account, you can switch to any other checking account, plus be rewarded with a $100 savings deposit. Magnolia Federal has branches in Jackson, Brandon, Madison, and Yazoo City.

MUNA Federal Credit Union

MUNA Federal has a Fresh Start Checking account if you’ve had trouble managing past checking accounts. You’ll receive a Visa debit card and pay a monthly fee of $10.50.

To apply, you must go into a branch and speak directly to a customer service representative. MUNA FCU is located in Meridian, Mississippi. To join, you must live, work, or worship in Lauderdale County.

PriorityOne Bank

You may be able to qualify for an account with PriorityOne Bank based on your credit report rather than your ChexSystems record. Their Keep It Simple Checking account is a basic option that helps you with your everyday banking needs.

It takes a $50 deposit to get started, then you’ll pay $7 per month unless you maintain a minimum daily balance of $100 or more.

Keep It Simple Checking does come with anywhere banking services, including online banking, bill pay, and mobile banking with deposit.

Mississippi locations for PriorityOne Bank include branches throughout Covington County, Lamar County, Rankin County, Scott County, Simpson County, and Madison County.

Renasant Bank

Renasant Bank uses ChexSystems, but it has built a reputation for being more lenient with negative records than other banks. As long as there isn’t a history of fraud and the applicant does not owe any money to Renasant, you may open an account.

Renasant offers four checking options: Renasant Checking, Student Checking, Rewards Checking, and Rewards Extra.

Checking accounts come with online and mobile banking (including remote deposit), bill pay, a free Visa debit card, and Renasant’s Mobile Wallet.

The mobile wallet currently works with:

  • Zelle
  • Apple Pay
  • Apple Pay Cash
  • Google Pay

UNIFY Financial Credit Union

UNIFY Financial doesn’t use ChexSystems to screen new applications. They offer four different checking accounts: Free Checking, Right Start Checking, eChecking, and Premier Checking.

There’s a $25 minimum opening deposit. Each checking account comes with a free Visa Debit Card, free check writing, and free access to online and mobile banking.

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.