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
SoFi
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Features & Benefits

  • Sign-up bonus up to $250 with qualifying direct deposits
  • No monthly fee
  • Earn up to 4.50% 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 $250 with qualifying direct deposits.

In addition, account holders can utilize 55,000 ATMs free of charge via the Allpoint® Network. Those establishing direct deposit are entitled to an annual percentage yield (APY) of 4.50% on their savings and 0.50% on checking accounts.

Direct deposit users also get the added benefit of early access to their paychecks – up to 2 days ahead, and they can earn up to 15% cash back at local businesses when they make transactions with the SoFi debit card.

Apply online →

Chime

Our Second Pick
Chime
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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 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.

Apply online →

Current

Current
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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

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.

With Current, your everyday purchases can now shape your financial future. Simply by swiping your debit card, you can build credit. No loans or credit checks needed. There are also no monthly or annual fees for this service.

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.

Apply online →

GO2bank

GO2bank
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Features & Benefits

  • No ChexSystems or credit check
  • 4.50% APY on savings
  • Over 19,000 fee-free ATMs
  • $5 monthly fee can be waived

GO2bank is a neobank offered by Green Dot, a well-established financial technology company. Customers can open a checking account featuring subaccounts known as vaults without a minimum balance requirement.

GO2bank provides an attractive 4.50% APY on savings accounts for balances of up to $5,000. Access to funds is made easy through cash deposits at 90,000 retail locations and fee-free ATMs at 19,000 locations.

Additionally, customers can receive their pay up to 2 days in advance and government benefits up to 4 days early via direct deposit.

You can also opt for overdraft protection up to $200 with eligible direct deposits.

GO2bank offers the GO2bank Secured Visa Credit Card, which can assist customers in building their credit over time through responsible use.

The $5 monthly fee is waived when you receive payroll or government benefits through direct deposit.

Apply online →

Chase

Chase
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Features & Benefits

  • $100 bonus after 10 purchases
  • No credit check or ChexSystems
  • Over 16,000+ fee-free ATMs
  • Over 4,700 branches nationwide
  • $4.95 monthly service fee

Chase offers a checking account called Chase Secure Banking. The account comes with a Chase debit card that gets you access to over 16,000 fee-free ATMs.

Some features of this checking account include free online bill pay, free money orders and cashier’s checks, no overdraft fees, and no minimum opening deposit. However, there is also a monthly service fee of $4.95.

When you open a Chase Secure Banking account and make 10 qualifying purchases within 60 days, you’ll get a $100 cash bonus.

Account approval is immediate, and the debit card typically arrives within days.

Apply online →

Bellwether Community Credit Union

Bellwether Community Credit Union
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Bellwether Community uses ChexSystems to screen new applications, but they are more lenient with negative entries than other banks.

As long as there isn’t a history of fraud and you’ve settled all debts, you may be able to open an account. Applicants who only had a few negative marks (between one and three) have reported more success than those with more.

They have locations in Bedford, Manchester, and Nashua, but is also a part of the Co-Op Shared Branch Network which gets account holders access to 15 more credit unions. These shared branches can be found all throughout New Hampshire.

Bellwether offers three checking accounts for its members: Silver, Gold, and Platinum. However, regardless of which one you choose, there are a variety of benefits that come with each account.

Benefits include free online and mobile banking, free online bill pay, free remote deposit via the mobile app, a free debit card, and unlimited check writing.

Apply online →

Members First Credit Union

Members First Credit Union
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Members First does use ChexSystems when approving new accounts. However, unlike most credit unions and banks, they’re ok with a negative entry or two.

As long as there isn’t a history of fraud and all previous accounts have been paid, Members First may approve your application.

Members First currently has three types of checking accounts for members to choose from. They are Kasasa Cash, Kasasa Cash Back, and Everyday Checking.

Each account is free, and none of them require a minimum account balance. All accounts come with every modern banking tool on the market. These free features include:

  • Online, mobile, and text banking
  • Bill pay
  • eStatements
  • Debit card
  • Phone banking
  • First Pay (get paid two days early with automatic deposit)
Apply online →

Northern Lights Credit Union

Northern Lights Credit Union
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Northern Lights does use ChexSystems to screen new applications, but they’re unique in that they allow anyone to open a savings account, regardless of their ChexSystems history.

To become a member, you must live, work, worship, or attend school in Cheshire City or Sullivan County. Membership is also available to the immediate family of current members.

They have a location in Littleton, New Hampshire but also has one in nearby St. Johnsbury in Vermont.

Members have access to five types of checking accounts: Free-Checking, Basic Checking, Premier Checking, You Earned It Checking, and Business Checking.

Free-Checking does not require a minimum deposit, nor does it charge monthly service fees or require a minimum account balance. It comes with free online and mobile banking, free eStatements, a free debit card, and direct deposit.

Apply online →

Wells Fargo

Wells Fargo
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If Wells Fargo declines you for a standard checking account, you may still qualify for their “Clear Access Banking” account.

This second chance checking account has a monthly fee of $5. The only way to avoid it is if the primary account owner is 13 – 24 years old.

There’s a minimum opening deposit of $25. You get access to online bill pay, mobile banking, and over 13,000 ATMs free of charge.

Apply online →

Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.

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.

7. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

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.