The following banks and credit unions offer excellent features and benefits. While we recommend them, they are not our top picks for the simple reason that they are not guaranteed banks. They have however helped a lot of people, and may be able to help you too.
Jemez Valley Credit Union
They do not use ChexSystems or a credit report of any type.
First Convenience Bank
The approval or decline of a new account is based on the customer’s history with their banking institution and is at the discretion of the banking branch location where you choose to bank.