Banks That Don’t Use ChexSystems in North Carolina

Features & Benefits

• $100 bonus after 10 purchases
• No credit check or ChexSystems
• Over 16,000+ fee-free ATMs
• Over 4,700 branches nationwide
• $4.95 monthly service fee

• $600 sign-up bonus
• Minimum opening deposit of $25
• Monthly service fee: $0 or $6.95
• Over 40,000 surcharge-free MoneyPass ATMs

Features & Benefits

• $100 sign-up bonus
• Earn up to 3.30% APY
• No monthly maintenance fees or overdraft fees
• Unlimited domestic ATM fee reimbursements
• Get early direct deposits and tax refunds up to 2 days early

The Rewards Checking account from Axos Bank is an excellent choice for those looking for a bank account with no monthly maintenance fees, unlimited domestic ATM fee reimbursements, and cash back rewards.

Features & Benefits

• Over 14.5 million downloads
• No credit check or ChexSystems
• No minimum opening deposit
• Over 60,000 fee-free¹ ATMs

Features & Benefits

• No minimum balance or monthly fees
• Fee-free overdraft up to $200 with Overdrive
• 40,000 fee-free Allpoint ATMs in the U.S.
• Get paid up to 2 days faster
• No credit check or ChexSystems

Features & Benefits

• No ChexSystems or credit check
• 4.50% APY on savings
• Over 19,000 fee-free ATMs
• $5 monthly fee can be waived

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.

FSNB doesn’t use ChexSystems or credit checks for new applicants. The minimum opening deposit is $5.

You’ll need to maintain a $75 balance to avoid paying the monthly $5.50 statement fee. Account holders get a Visa check card and free online banking.

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.