Banks That Don’t Use ChexSystems in North Carolina

SoFi doesn’t use ChexSystems and offers a no-fee checking and savings account with solid perks.

You can earn up to 3.30% APY on savings, access over 55,000 fee-free ATMs, and get paid up to two days early with direct deposit.

There are no overdraft fees, balance requirements, or monthly charges. You can also earn a sign-up bonus of up to $400 when you set up qualifying direct deposits.

Current doesn’t use ChexSystems or run credit checks, so approval is easy—even with a rough banking history.

There are no monthly fees, no minimum balance, and you get access to 40,000 fee-free ATMs.

You can also build credit by using your debit card—no loans, credit pulls, or interest charges.

Current includes fee-free overdraft protection up to $200 and lets you get paid up to two days early with direct deposit. Optional Savings Pods earn up to 4.00% APY.

Chime doesn’t use ChexSystems or run credit checks, so anyone can open an account.

There’s no monthly fee, no minimum opening deposit, and access to over 47,000¹ fee-free ATMs.

You can also build credit⁷ with the Secured Chime Credit Builder Visa® Credit Card—no annual fees, interest charges¹, or credit pull required.

Direct deposit users can get paid up to two days early², and cash deposits are free at over 8,500 Walgreens locations.

Stash offers a checking account that doesn’t require a credit check or ChexSystems approval, making it accessible if you’ve faced banking challenges in the past.

Each time you use your Stash debit card, you earn Stock-Back® rewards—fractional shares of stock in the companies where you shop.

You can also receive your paycheck sooner with early direct deposit, and there are no overdraft fees to worry about.

The account includes access to over 55,000 fee-free ATMs and is managed through the Stash app, which also features investing and money management tools.

The single checking option available has no monthly fee or minimum balance requirement.

Additionally, you can earn rewards and interest by making 12 debit purchases monthly, signing up for direct deposit or bill pay, and opting for e-statements.

To qualify for membership, you or a family member must work in the telecommunications industry in North or South Carolina, including self-employed or independent contractors.

Carolinas Telco Federal has branches in Charlotte, Cornelius, Gastonia, and Raleigh.

Instead, it relies on a standard credit check, which may make it easier to qualify if you’ve had issues with past banking accounts.

The Lifetime Free Checking account has no monthly fees, no minimum balance, and unlimited check writing. It also includes a MasterCard debit card and access to online and mobile banking.

Carter Bank & Trust has branch locations across North Carolina, including Fayetteville, Greensboro, Greenville, Mooresville, Reidsville, Roxboro, Sanford, Shelby, Wilkesboro, Wilson, and other cities throughout the state.

The Free Checking option includes a Visa debit card with no monthly fees or minimum balance, as well as online banking with bill pay and mobile banking.

To qualify for membership, you must live, work, worship, or attend school in Haywood, Buncombe, Henderson, Graham, Swain, Jackson, Madison, Macon, or Transylvania Counties.

You’ll also need to maintain at least $5 in a savings account.

Champion Credit Union has branches in Asheville, Arden, Canton, Hendersonville, Mills River, and Waynesville.

They offer five checking options, with Simply Yours being the most basic.

You can open the account with a $50 deposit, and the $3 monthly fee can be waived by opting for e-statements. The account also includes a debit card, online banking, mobile banking, and text alerts.

F&M Bank has branches in China Grove, Concord, Faith, Granite Quarry, Kannapolis, Raleigh, Rockwell, and Salisbury.

They offer various checking options: Advanced Checking comes with a $10.95 monthly fee, while Career Checking and 50+ Checking are free with a direct deposit. Basic Checking has a $6.50 fee if the balance falls below $100.

All accounts include a Visa check card, free online and text banking with bill pay, and the possibility of earning interest, depending on your balance.

Customers also enjoy fee-free ATM transactions at FSNB locations, mobile banking, free e-statements, and no charge for cashier checks or money orders. Additionally, one free box of standard checks is provided every quarter.

FSNB branches are located in Fayetteville, Hope Mills, Jacksonville, Raleigh, Rockingham, Spring Lake, Wake Forest, and Wilmington.

They offer a single checking account with essential features like a free Visa debit card, direct deposit, online and mobile banking, and online bill pay.

You also get unlimited check writing and the option for overdraft protection. However, a low balance fee is charged if your account balance is below $25 by the last day of the month.

Membership is available to those who work for a sponsor company or live, work, worship, or attend school in or around Hopes Mill, or in Surry, Wilkes, Yadkin, Sampson, or Duplin counties.

Members Credit Union has branches in Elkin, High Point, Thomasville, and Winston-Salem.

With a $10 monthly fee and no minimum balance requirement, FreshStart Checking provides a clean slate for members to rebuild their financial history.

Benefits include a free Visa debit card, e-statements, bill pay, and no check cashing or check writing fees.

To qualify, you must live, work, worship, or attend school in Wayne County, NC. Alternatively, a $5 donation to Your Community Foundation grants eligibility for those residing within North Carolina.

NCCFCU has two locations in Goldsboro.

The account includes overdraft protection and a free Visa debit card, with no minimum balance requirement.

To qualify for membership, you must live, work, worship, or attend school in Cabarrus, Gaston, Iredell, Lincoln, Mecklenburg, Rowan, or Union Counties.

You can find branches in Asheville, Belmont, Charlotte, Greensboro, Harrisburg, Huntersville, Kings Mountain, Matthews, Salisbury, and Spindale.