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.

Upgrade

Our Top Pick

Features & Benefits

  • Up to 5.21% 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 5.21% 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.

First Tech Federal Credit Union

Our Second Pick

Features & Benefits

  • Up to $300 sign-up bonus with direct deposit
  • No minimum balance requirements
  • Earn up to 5.00% APY
  • Over 30,000 fee-free ATMs

First Tech Federal Credit Union offers an attractive banking solution that goes beyond traditional constraints, providing members with a combination of high-yield interest and multiple financial incentives across its platforms.

With the First Tech Rewards Checking & Savings accounts, there are no minimum balance requirements and no monthly maintenance fees. Members can take advantage of a $300 bonus simply by establishing a qualifying payroll direct deposit of $1,000 or more per month for three consecutive months.

These accounts offer competitive interest rates, with the potential to earn up to 5.00% APY on both checking and savings accounts, depending on the balance—significantly higher than many conventional banks.

Additionally, First Tech offers extensive accessibility with over 30,000 CO-OP network ATMs nationwide for fee-free withdrawals.

The credit union also ensures enhanced financial security and flexibility with features like real-time fraud monitoring and free overdraft transfers, contributing to a comprehensive and secure banking experience.

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
  • 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.

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 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 are 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 various 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 Credit Union

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)

Northern Lights Credit Union

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.

Wells Fargo

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. The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.