Struggling to open a checking account in North Carolina 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 North Carolina
We’ve compiled a comprehensive list of North Carolina banks and credit unions that allow anyone to open a checking account, regardless of their banking history.
Alliance Federal offers a Fresh Start Checking account, but you’ll need to stop by a branch to find out if you qualify.
The monthly service fee is $10 and you’ll need a $50 opening deposit. There’s no minimum balance requirement. In addition to your Visa debit card, you’ll also get free online banking, bill pay, text, and mobile banking.
Before you apply for the account, you need to qualify for membership with Alliance Federal. They require that you live, work, worship, or attend school in one of the following counties: New Hanover, Pender, or Brunswick.
Alternatively, you can be employed by one of 400 partner companies to qualify for membership or have a family member who is an existing member.
Bank OZK offers a second chance checking account called Pathway Checking. There’s a $50 minimum opening deposit, but no minimum balance requirement.
The monthly service fee is $10 and you won’t earn interest like some of Bank OZK’s other checking accounts.
Pathway Checking comes with a Visa debit card, plus unlimited check writing, online banking, and mobile banking. You also get bill pay, with 15 free payments a month and each one costing $0.50 after that.
Carolinas Telco Federal does a credit check instead of ChexSystems, so you might be able to qualify for a checking account with them. There’s only one checking option available, but it doesn’t require any monthly fee or minimum balance requirement.
You can also qualify for Carolinas Telco’s checking rewards program and earn interest if you make 12 debit purchases each month, sign up for direct deposit or bill pay, and receive e-statements.
Who qualifies for membership at Carolinas Telco Federal? You or a family member must be employed in the telecommunications industry in either North Carolina or South Carolina.
It even counts if you’re self-employed or an independent contractor in the industry. Branch locations include Charlotte, Gastonia, Cornelius, and Raleigh.
Carter Bank & Trust also reportedly uses a credit check rather than ChexSystems. Their Lifetime Free Checking comes with no monthly service fee or minimum balance requirement. You also get unlimited check writing on top of your MasterCard debit card.
Branch locations throughout the state include Asheboro, Burlington, Eden, Fayetteville, Forest City, Greensboro, Greenville, Henderson, Hickory, Jonesville, Lincolnton, Louisburg, Lumberton, Mooresville, Morganton, Mount Airy, Reidsville, Roxboro, Sandford, Shelby, Siler City, Stoneville, Wilkesboro, and Wilson.
Instead of ChexSystems, Champion uses TeleCheck to evaluate new applicants. There are three checking options to choose from: Champion Checking with Rewards, Free Checking, and Senior Rewards Checking.
The most basic option is Free Checking, which gives you a Visa debit card with no monthly fee or minimum balance. Plus you get online banking with bill pay and mobile banking.
To qualify for membership, you must live, work, worship, or go to school in one of the following counties: Haywood, Buncombe, Henderson, Graham, Swain, Jackson, Madison, Macon, or Transylvania Counties. You must also keep at least $5 in your savings account.
Members of Corporate America Family Federal can apply for Fresh Start Checking. You’re required to keep $100 in your Regular Share Account and the monthly fee is $10.
You can also sign up to take an online class called Get In Balance. Use it to learn the most effective ways to become a successful account holder.
F&M Bank uses Telecheck instead of ChexSystems, which could help you qualify for a checking account. There are five checking options available, with the most basic option being Simply Yours.
The minimum opening balance is $50 and the $3 monthly charge can be eliminated if you choose e-statements. You also get all the typical amenities like a debit card, online banking, mobile banking, and text alerts.
There are branches located in China Grove, Concord, Faith, Granite Quarry, Kannapolis, Rockwell, and Salisbury.
Instead of ChexSystems, Members runs a credit report on new members. There’s only one checking option, but it offers everything you need, including a free Visa debit card, direct deposit, online and mobile banking, and online bill pay.
You also get unlimited check writing and overdraft protection if you choose. However, if you don’t have $25 in your account by the last day of the month, you’ll be charged a low balance fee.
To join, you must either work at a sponsor company or live, work, worship, or attend school in or around Hopes Mill, or in Surry, Wilkes, Yadkin, Sampson, or Duplin counties.
Located in and around Charlotte, Skyla Credit Union offers Fresh Start Checking. There is a monthly service fee of $10.95 but that drops to $7.95 if you sign up for direct deposit.
You get overdraft protection to go along with your free Visa debit card. Also, there’s no minimum balance requirement to worry about either.
To qualify for membership at Skyla Credit Union, you must live, work, worship, or attend school in Cabarrus, Gaston, Iredell, Lincoln, Mecklenburg, Rowan, or Union Counties. There are 11 branches throughout the Charlotte area.
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. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or beneﬁts payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, veriﬁcation or trial deposits from ﬁnancial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
Non-ChexSystems Banks by State
Looking for more information and additional options available in your area? Select your state from the list below to explore your options.
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- Washington, DC
- West Virginia