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.
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.
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
- Debit card
- Phone banking
- First Pay (get paid two days early with automatic deposit)
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.
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.
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.
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- Washington, DC
- West Virginia