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.

Bellwether Community Credit Union

If your ChexSystems report does not indicate fraud, and there are only one or two reports that show as paid, you can get an account here.

Members First Credit Union

They utilize ChexSystems. They would need a letter from the reporting bank stating that all your accounts are in good standing or have been paid. Once they receive that and verify that you are within eligibility requirements, they would be able to open an account.

Northern Lights Credit Union

They use ChexSystems but anyone can get a savings account.