Banks That Don’t Use ChexSystems in New Hampshire

Features & Benefits

• Up to 5.02% APY on savings
• Up to 2% cash back
• No minimum balance requirement
• No monthly fees or overdraft fees

Features & Benefits

• Sign-up bonus up to $300 with qualifying direct deposits
• No monthly fee
• Earn up to 4.50% APY on savings
• Over 55,000 fee-free ATMs

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

Features & Benefits

• Over 14.5 million downloads
• No credit check or ChexSystems
• No minimum opening deposit
• Over 60,000 fee-free¹ ATMs

Features & Benefits

• Earn up to 4.00% APY
• No monthly fees
• No minimum balance requirements
• Over 30,000 fee-free ATMs

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 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 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.