Rather than being discouraged by getting denied for a checking account in New Jersey, you can find another way to solve the problem. Most people have trouble qualifying for a bank account when they have negative ChexSystems records. Too many instances of unpaid fees, overdrafts, and bounced checks can all appear in ChexSystems, which is reviewed by banks when considering your account application.
And while those negative records can stay in the ChexSystems database for five years, you don’t actually have to wait that long until you can get another bank account. In fact, there are plenty of New Jersey banks and credit unions that are more than willing to help. There are also a few online accounts that are convenient and don’t use ChexSystems at all.
We’ve got the complete list of New Jersey’s non-ChexSystems and second chance checking accounts, so keep reading to find one or more options that might work for you.
BBVA Compass ClearConnect Free Checking
BBVA is an online banking option for people who don’t need a brick and mortar bank. Every banking need can be done either online or via the mobile app (which comes with free remote deposit), and if you need cash you can go to one of the thousands of ATMs across the nation.
BBVA doesn’t use ChexSystems to screen new applications but instead uses Early Warning Systems (EWS). It requires a $25 opening deposit and doesn’t come with a monthly service charge. It’s a part of the Allpoint ATM network, which has over 55,000 ATMs around the world.
Affinity Federal Credit Union
Affinity Federal Credit Union does not use ChexSystems, Telecheck, EWS, nor does it require a credit report. Instead, applicants must simply be eligible for membership. To become a member at Affinity, you must either work with a partnered employer or live, work, worship, or attend school in New Brunswick, Franklin Township, or Middlesex County.
Affinity FCU offers two types of checking accounts, MoreChecking and Affinity Checking. Affinity Checking does not require a minimum deposit or minimum balance requirement and doesn’t charge any monthly fees. It comes with free online bill pay, as well as free eBanking and access to over 30,000 nationwide ATMs.
You can find branch locations in Basking Ridge, Hillsborough, Edison, Piscataway Township, New Providence, New Brunswick, Cedar Knolls, Middletown, Oradell, Morristown, Flemington, Bedminster Township, Branchburg, Bardonia, Teterboro, Denville, and Florham Park.
Atlantic Federal Credit Union
Atlantic Federal Credit Union uses ChexSystems but offers its members a second chance checking account to heal their checking history. Called Take 2 Checking, there’s a $10 monthly service charge, but after you’ve kept your account in good standing for six months you may transfer to one of Atlantic’s standard checking accounts. This is impressive since the standard is 12 months in the industry.
Although Take 2 Checking is a second chance checking account, it comes with a variety of modern-day banking tools. Some of these include a free Visa debit card, free online banking, free mobile banking, and free bill pay.
Atlantic Federal Credit Union has locations in Kenilworth, Newark, and West Orange. To join, you must live, work, worship, do business, or attend school in Union County or Essex County. Membership is also available to the immediate family of current members of Atlantic Federal Credit Union.
Century Savings Bank
Century Savings Bank doesn’t use ChexSystems to screen new applications, nor does it use Telecheck or EWS. Instead, Century Savings Bank only requires you to present two forms of ID when opening an account. One ID must be a primary, government-issued ID, but the other may be a secondary ID.
Century Savings Bank offers a variety of checking options:
- Consumer Checking Plus
- Century Checking Plus
- Money Market Plus
- 55 Plus Checking
No matter which checking account you choose, all accounts come with free eBanking, free bill pay, free eStatements, and a free MasterCard debit card.
Century Savings Bank has locations in Elmer, Mullica Hill, Vineland, Bridgeton, and Gibbstown.
Chime Bank is an entirely digital banking experience. It doesn’t have any brick and mortar locations, but you can do everything you need to do either online, via a mobile device, or at one of its many ATM locations across the country.
Chime has two very unique features that may appeal to you. The first is that it doesn’t charge any fees of any kind. Whether it’s an overdraft fee, account balance fee, or monthly service fee, Chime doesn’t charge its customers. The second appealing factor about Chime is that it’s possible for you to get paid up to two days earlier than your coworkers if you’re signed up with direct deposit.
Chime is a unique banking solution in that it doesn’t use ChexSystems to screen your application, nor does it require you to live in a certain area to be eligible for membership.
Credit Union of New Jersey
Credit Union of New Jersey is a ChexSystems bank, but it offers a second chance checking account called Right Turn Checking. It requires a $100 minimum opening deposit but thereafter does not have a minimum balance requirement. There is a monthly fee of $10, but if you keep your account in good standing for 12 months, you may be able to transfer to one of Credit Union’s standard checking accounts.
Right Turn Checking account holders get a free MasterCard debit card and can use Apple Pay, Samsung Pay or Google Pay. The account also comes with every modern day banking tool that you would expect, but aren’t always available with second chance checking accounts. These include free mobile and online banking, free bill pay, free eStatements, free remote deposit, as well as identity theft protection.
Credit Union of New Jersey has locations in Willingboro, Ewing, Trenton, and Princeton.
First Atlantic Federal Credit Union
First Atlantic is not a ChexSystems bank, so if you’ve been turned away from other banks because of your checking history, you may be able to open an account. First Atlantic FCU has locations in Eatontown, Neptune, Oceanport, and Toms River.
They offer two types of checking accounts: the One Account and the Elite Account. The One Account gets you access to over 30,000 surcharge fee-free ATMs across the nation and comes with a variety of free perks, some of which include:
- Free online banking
- Free mobile banking
- Free debit card
- Unlimited check writing
- Free eStatements
The One Account also doesn’t require a minimum balance, nor does it have a monthly service fee.
Garden State Federal Credit Union
Garden State Federal Credit Union does not use ChexSystems to screen new applications. Instead, they only require proper identification. This means applicants must provide two forms of ID, one of which must be a primary, government-issued ID. The second ID may be a secondary ID.
Garden State has a variety of checking account options, but its primary checking account comes with every modern day banking tool, is free and does not require a minimum account balance.
To join Garden State FCU, you must live, work, worship, volunteer, or attend school in one of nine select cities in New Jersey, or be a part of a participating employer group. Garden State is located in Moorestown and Bellmawr but is also part of the Co-Op Shared Branch Network, which means you can access your account at thousands of locations across the nation.
IRCO Community Federal Credit Union
IRCO Community Federal Credit Union doesn’t use ChexSystems, Telecheck, or EWS. Instead, IRCO requires two forms of ID. O
A checking account with IRCO comes with free overdraft protection, a free VISA debit card, unlimited check writing, as well as free online banking. There’s a $10 monthly fee, but this fee may be waived if you maintain a $250 daily balance.
IRCO Community Federal Credit Union has a location in Phillipsburg but also has a location just over the line in Pennsylvania. To join, you must either live, work, worship, volunteer, or attend school in one of the following areas:
- TWSPS of Franklin
Jersey Shore Federal Credit Union
Jersey Shore FCU is a ChexSystems bank that offers people a way to repair their checking history with a second chance checking account. Called Fresh Start Checking, it only requires a $25 opening deposit. There’s also a $15 monthly service fee.
Fresh Start Checking account holders must complete a checking management program, and may also be required to enroll in direct deposit. However, you get access to many banking features usually only available with a standard checking account. These include:
- Access to thousands of surcharge free ATMs
- Unlimited check writing
- Free online access
- Free bill pay
- Free mobile banking
- Free remote deposit
- Overdraft protection options
Jersey Shore has locations in Atlantic City, Galloway, May’s Landing, Northfield, and Rio Grande. Membership is available to anyone who lives, works, volunteers, worships, or attends school in Atlantic County or Cape May County.
Newfield National Bank
NewField National Bank uses EWS in lieu of ChexSystems when screening new applications. Newfield requires a minimum $50 opening deposit to create an account but does not charge a monthly service fee or require a minimum account balance.
There are a variety of checking accounts available to members. These include Gold Club Checking, Money Market Deposit Account, NOW Checking, Regular Checking, New Jersey Consumer Checking, and Student Checking. New Jersey Consumer Checking comes with direct deposit options, a debit card, eStatements, and free checking writing. A minimum daily balance of $1.00 is required to avoid the $3 monthly service fee.
Newfield National Bank has locations in the following areas: Newfield, Malaga, Franklinville, Williamstown, Pitman, Sewell, Vineland, and Bridgeton.
OceanFirst and Cape Bank recently merged, which is good news if you’re looking for a non-ChexSystems bank. OceanFirst only requires applicants to present two forms of ID when opening an account. It does not use ChexSystems, Telecheck, EWS, or even require a credit report check. One ID must be a primary, government-issued form of ID, but the second may be a secondary ID.
OceanFirst offers a few different checking account options for its members: AmiGo, Simply Great Checking, Totally Free Checking, RewardsFirst Checking, and A+ Student Checking. Totally Free Checking doesn’t have a minimum balance requirement nor does it have a monthly service charge. The minimum opening deposit is only $50, and it comes with a free Visa debit card as well as a free eBanking.
OceanFirst has locations in throughout many parts of New Jersey but has a particularly strong presence along the coast.
Pennsville National Bank
Pennsville National Bank doesn’t use ChexSystems, Telecheck, or EWS to screen new applications. In fact, they don’t even require a credit report. The only thing they require is two forms of ID.
Pennsville offers the following checking accounts:
- Regular Checking Account
- Interest Checking Account
- Freedom Account
- Rainbow Account
- Student Account
- Extreme Checking
- Business Freedom
- Business Interest
- Business Checking
- Electronic Transfer Account
Freedom Account is an unlimited checking account. There’s no monthly service fee if your account balance has a minimum daily balance of $300 or more.
You can find branches in Pennsville, Woodstown, Elmer, Penns Grove, and Pedricktown.
South Jersey Federal Credit Union
South Jersey Federal Credit Union doesn’t use ChexSystems when screening new applications. In fact, they don’t use Telecheck, EWS, or require a credit report. The only requirement for approval is two forms of ID, one of which must be government issued.
South Jersey’s Free Checking account does not have a monthly service fee, nor does it require a minimum account balance. It comes with free unlimited check writing, free eStatements, eBanking, telephone banking, as well as free mobile banking.
South Jersey has locations in Deptford, Camden, Vineland, Pleasantville, Moorestown, Voorhees, and Glassboro. To join you must work for an approved employee group or be directly related to someone who is already a member. Membership is also available to anyone who lives in one of the following cities:
- Atlantic City
United Teletech Financial Federal Credit Union
United Teletech offers a second chance checking account, which it calls Fresh Start Checking. This account is intended for anyone with a negative ChexSystems record, and who is also looking to repair it. Keep your account in good standing for 12 months and you may be eligible to transfer to a standard checking account with United Teletech.
Fresh Start Checking comes with a free debit card, online banking, mobile banking, bill pay, as well as unlimited check writing.
United Teletech Financial FCU has locations in Middletown, Hazlet, Morganville, Neptune, North Brunswick, and Tinto Falls. Membership is available to anyone who lives, works, volunteers, worships, or attends school in Monmouth County, Ocean County, as well as parts of central Middlesex County. Membership is also available to anyone who is directly related to a current member.
Wells Fargo is a ChexSystems bank, but it does offer a second chance checking account for anyone looking to repair their checking history. Called Opportunity Checking, it requires a $25 minimum deposit to open, as well as a $10 monthly fee. However, the monthly fee can be waived if certain requirements are met. These include:
- You have 10 or more debit card transactions a month, or
- You maintain a daily balance of $1,500 or more, or
- You have $500 or more directly deposited
Opportunity Checking comes with a variety of features. For example, account holders are able to write as many checks as they need, use online bill pay, as well as access their account both online and via a mobile device.
Wells Fargo has numerous locations throughout all of New Jersey, as well as the rest of the United States.