Banks That Don’t Use ChexSystems in New Hampshire

Struggling to open a checking account in New Hampshire 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 New Hampshire

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.

SoFi

Our Top Pick

Features & Benefits

  • Sign-up bonus up to $300 with qualifying direct deposits
  • No monthly fee
  • Earn up to 3.80.00% APY on savings
  • Over 55,000 fee-free ATMs

The SoFi Checking and Savings account provides a multitude of benefits, including no overdraft fees, balance requirements, or monthly charges.

For a limited time, there’s an enticing sign-up bonus of up to $300 with qualifying direct deposits.

In addition, account holders can utilize 55,000 ATMs free of charge via the Allpoint® Network. Those establishing direct deposit can earn up to 3.80.00% APY on their savings and 0.50% APY on checking accounts.

Direct deposit users also get the added benefit of early access to their paychecks – up to 2 days ahead.

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

Current is a financial technology company that offers mobile banking without ChexSystems checks or credit pulls. It’s a flexible option for anyone looking to rebuild or simplify their finances.

You can build credit just by using your Current debit card—no loans, credit checks, or interest charges involved. There are no monthly or annual fees for this feature.

Current also offers fee-free overdraft protection up to $200, access to over 40,000 Allpoint ATMs, and no minimum balance requirements.

With a Premium account, you can get paid up to two days early with direct deposit. Current also offers up to 4.00% APY through its Savings Pods, which lets you earn interest while keeping your money accessible.

Upgrade

Features & Benefits

  • Up to 4.02% APY on savings
  • Up to 2% cash back
  • No minimum balance requirement
  • No monthly fees or overdraft fees

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 a free Visa debit card, and up to 2% cash back on everyday debit card purchases.

The Upgrade Premier Savings account delivers an impressive 4.02% APY, giving you a remarkable opportunity to grow your savings faster.

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.

Chime

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 checking account with a debit card, and a savings account, all with no credit check.

When you open a Chime Checking Account, you won’t have to worry about monthly maintenance fees, foreign transaction fees, or minimum balance fees.

You can also start building your credit7 with the Secured Chime Credit Builder Visa® Credit Card. It’s a secured credit card with no annual fees, no credit checks, and no interest charges1.

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.

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.