Banks That Don’t Use ChexSystems in New Hampshire

Getting denied for a bank account in New Hampshire? If your ChexSystems file has any negative history, that’s likely the reason. Most banks still use it to screen applicants.

Thankfully, some banks in New Hampshire skip ChexSystems entirely, and others provide second chance checking accounts that are easier to qualify for.

8 Banks in New Hampshire That Don’t Use ChexSystems

We’ve compiled a comprehensive list of New Hampshire banks and credit unions that allow anyone to open a checking account, regardless of their banking history.

Current

Our Top Pick

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

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.

SoFi

Features & Benefits

  • Sign-up bonus up to $300 with qualifying direct deposits
  • No monthly fee
  • Earn up to 3.80% APY on savings
  • Over 55,000 fee-free ATMs

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

You can earn up to 3.80% 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 $300 when you set up qualifying direct deposits.

Chime

Features & Benefits

  • No monthly fees or minimums
  • Credit Builder Card with no interest, fees, or credit pull
  • Get paid up to 2 days early with direct deposit
  • Over 60,000 fee-free1 ATMs

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 60,0001 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.

Bellwether Community Credit Union

Bellwether Community Credit Union uses ChexSystems, but is more lenient than many other banks.

If you don’t have a history of fraud and have settled any outstanding debts, you may be able to open an account, even with a few negative marks (typically one to three).

Bellwether offers three checking accounts: Silver, Gold, and Platinum. Both accounts include free online and mobile banking, online bill pay, mobile deposits, a free debit card, and unlimited check writing.

Additionally, Bellwether is part of the Co-Op Shared Branch Network, giving members access to 15 more credit unions across New Hampshire.

Bellwether has branches in Bedford, Manchester, and Nashua.

GFA Federal Credit Union

New Start Checking from GFA Federal Credit Union is designed for those in New Hampshire who need a second chance at banking.

With a $25 minimum opening deposit, you’ll receive a debit card, free eStatements, and free mobile and online banking.

While paper checks and overdraft protection aren’t included, your balances are fully insured by NCUA.

GFA has branch locations in Keene, Peterborough, and Rindge, New Hampshire.

Members First Credit Union

Members First Credit Union uses ChexSystems when reviewing new applications but is more flexible, often allowing a negative entry or two.

Their free Everyday Checking account offers a modern, feature-rich banking experience with no minimum balance or monthly fees.

Members First Credit Union provides benefits such as early direct deposit, a debit card issued instantly, access to over 74,000 surcharge-free ATMs, and 5,000 branch locations nationwide.

The account also includes digital banking tools like mobile deposits, online bill pay, and Apple Pay/Google Pay integration.

Plus, members can take advantage of smart financial management tools for budgeting, managing debt, and tracking savings goals.

Members First has branches in Bedford and Manchester, New Hampshire.

Northern Lights Credit Union

Northern Lights Credit Union uses ChexSystems to screen new applications, but they offer a unique option: anyone can open a savings account, regardless of their ChexSystems history.

To become a member, you must live, work, worship, or attend school in Cheshire County or Sullivan County, or be an immediate family member of a current member.

They offer five types of checking accounts. The Free-Checking comes with no minimum deposit, no monthly service fees, and no balance requirements.

It also includes free online and mobile banking, eStatements, a debit card, and direct deposit.

Northern Lights Credit Union has locations in Littleton and Langdon, New Hampshire, as well as St. Johnsbury, VT.

TD Bank

TD Bank doesn’t use ChexSystems, making it a solid option for those with past banking difficulties.

They offer several checking accounts, including TD Complete Checking, TD Beyond Checking, and TD Essential Banking.

  • TD Complete Checking has a $15 monthly fee that can be waived with direct deposits or other qualifying actions.
  • TD Beyond Checking offers premium benefits like interest and no ATM fees, with a $25 monthly fee that can also be waived by maintaining a minimum daily balance.
  • TD Essential Banking, a checkless account, comes with a $4.95 monthly fee and no minimum balance, perfect for simple banking needs.

TD Bank has branch locations in many cities in New Hampshire, including Bedford, Concord, Derry, Dover, Hudson, Londonderry, Manchester, Merrimack, Nashua, and Portsmouth, and more.