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.
Carter Bank and Trust
They told us that they do not use ChexSystems.
Woodforest National Bank
You must apply in person and they are friendly to those reported to ChexSystems.
Carolinas Telco Federal Credit Union
They do not use ChexSystems.
Members Credit Union
Members Credit Union currently uses credit reports to determine approval for new accounts.