Having a history in ChexSystems can end up hurting your chances of getting a new checking account at a bank, especially if you’ve owed fees to other financial institutions and never paid them. But as long as you don’t have serious infractions in your background (like fraud), then you might actually have multiple opportunities to get back in the banking system.

You can find several credit unions and banks in Ohio that don’t use ChexSystems. They either don’t run a check at all, look at other factors, or offer a second chance banking.

Non-ChexSystems & Second Chance Banks in Ohio

Take a look at our list of banks in Ohio to find the best fit for where you live, regardless of what kind of financial situation you’re in. You’ll also find a few great online banking options, so you can apply, no matter where you live.


Our Top Pick
Apply Now

on Chime's secure website

With Chime, bad banking history is not an issue. They offer an award-winning financial app, a debit card, and a credit-builder Visa credit card, all with no credit check.

The Chime Spending Account is 100% free and has no monthly fees:

  • no overdraft fees
  • no monthly maintenance fees
  • no foreign transaction fees
  • no minimum balance fees

They’ll even spot you up to $200 on debit card purchases with no overdraft fees.

You can also start building your credit with the Chime Credit Builder Visa Credit Card. It’s a secured credit card with no annual fees, no credit checks, and no interest charges.

Chime has over 60,000 fee-free MoneyPass® and Visa® Plus Alliance ATMs. Plus, you can get your paycheck up to 2 days earlier with direct deposit. You can also deposit cash for free at over 8,500 Walgreens.

You can see why Chime is our #1 choice.

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Our Second Pick
Apply Now

on Current's secure website

Current is a financial technology company, not a bank. The company does not use ChexSystems or pull your credit report, and they have a lot to offer.

A Current mobile banking account includes fee-free overdraft protection of up to $100. You also get access to over 40,000 fee-free Allpoint ATMs with your Current debit card, and there is no minimum balance or hidden fees.

You can also get paid up to two days early with direct deposit with a Current Premium account. Plus, Current offers up to 4.00% APY with Current Savings Pods.

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Our Third Pick
Apply Now

on Sable's secure website

Sable allows you to open a bank account with a debit card and secured credit card in just 5 minutes.

There are no credit checks, no fees, and no minimum deposit required. You can also get an unsecured credit card in about 4 months after using your secured card. That’s 3x faster than what traditional banks offer.

The Sable credit card offers 2% cashback on your favorite brands.

To open a Sable account, you don’t need a social security number or U.S. credit history. You can also send money to 55+ countries and get multilingual customer support.

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Antwerp Exchange Bank

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on Antwerp Exchange Bank's secure website

With locations in Antwerp, Payne, and Harlan, Antwerp Exchange Bank only requires a valid photo ID to open a checking account. Most individuals will qualify for New Advantage Checking. The minimum amount to open is quite steep at $100, but there’s no monthly fee.

Online banking is included with any Account from Antwerp Exchange Bank. You can also access their mobile app, CardValet, which allows you to manage your debit card through your phone. When you need cash, you can visit any MoneyPass ATM to access your funds.

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Buckeye State Credit Union

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on Buckeye State CU's secure website

Buckeye State offers second chance checking account that comes with quite a few benefits including a free debit card, online banking, no minimum balance required, and up to $1,000 for overdraft protection.

In order to qualify, you first have to take a checking account management course. A $40 deposit is required to open the account and you’ll have to pay for checks to be ordered. You can only qualify for an ATM card once you’ve gone six months without a single overdraft.

They have a strong online banking presence and also branch locations in Akron, Canton, Alliance, and Shaker Heights.

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Cardinal Credit Union

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on Cardinal CU's secure website

You can access Second Chance Checking at Cardinal with no minimum balance and a monthly fee of just $8.95. You get the usual perks, like free online banking and ATM transactions. One key requirement is that you sign up for direct deposit. You also only get a debit card, but no checks with this account.

After a successful 12-month period, you can apply for traditional checking at Cardinal. Branch locations can be found in Ashtabula, Austintown, Mentor, Richmond Heights, Westlake, and Willoughby.

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City National Bank

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on City National's secure website

Bounce Back Checking from City National is available to people who need a second chance in the banking system. You don’t have to worry about a minimum balance, but you will have to pay a monthly service fee. If you sign up for direct deposit, the fee is $6.99 each month, otherwise, you’ll pay $8.99.

Another perk with this account is that you get two non-sufficient funds waived. You also get free access to the bank’s standard features, like online and mobile banking, bill pay, text banking, and mobile deposit. They serve multiple states, including locations throughout Ohio.

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Corporate America Family Federal Credit Union

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on Corporate America Family FCU's secure website

Corporate America Family Federal offers Fresh Start Checking for those who have an imperfect checking past. You’ll need to keep $100 in your share account to qualify, plus there’s a $10 monthly fee. You can also take a free online course called “Get In Balance” to help you learn how to better manage your checking account.

To join, you need to be employed by a sponsor company. Alternatively, you can be related to an existing member, live within 25 miles of a CAFFCU branch, or become a member of the Hope Group. There’s a branch in Marion, plus you can access free ATMs and co-op shared branches throughout the state.

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Covington Savings and Loan

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on Covington Savings and Loan's secure website

Rather than looking at your ChexSystems history, Covington Savings and Loan only requires a proper ID to qualify you for an account. Their two accounts, Basic Checking and Now Checking, both have minimum balances required if you want to avoid a monthly fee. For an interest-bearing account, consider the Now Checking.

With either option, you can view your account information online. For in-person support in Ohio, you can visit two locations in Covington or one in Bradford.

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Eaton Family Credit Union

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on Eaton Family CU's secure website

For $10 a month, you can sign up for an account with Eaton Family. There are a few restrictions to qualify. You can’t have any charge-offs or unpaid collections to a financial institution on your credit report. You also can’t have any TeleCheck records that are less than three months old or any unpaid balances that are over $500.

In order to get the account, you must qualify for membership which can be achieved in a few different ways. One way is if you live, work, worship, or go to school in Lake County or Cuyahoga County. Another way is if you’re employed by a Select Employer Group. There are branch locations in Euclid and Willoughby Hills.

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Firelands Federal Credit Union

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on Firelands FCU's secure website

You can qualify an account at Firelands Federal with just a $25 initial deposit. After that, the monthly fee is only $5 and you can actually get it waived completely if you sign up for direct deposit. The account also comes with unlimited check writing, free digital banking, and a free Visa debit card.

To become a member, you’ll need to deposit $5 into a share savings account. You also need to live, work, worship, or attend school in one of the following geographic areas:

  • Huron County, including the entire Village of Plymouth
  • Groton, Oxford, Milan, Berlin, and Florence Townships in Erie County
  • York Township in Sandusky, County, Ohio
  • Adams, Thompson, Reed and Venice Townships in Seneca County, including the village of Green Spring

There are branches located in Bellevue, Bucyrus, Galion, Monroeville, and Norwalk.

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First Central National Bank

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on First Central's secure website

Located in St. Paris, First Central is a small community bank that only requires ID to open an account. Regular Checking is the most accessible because there’s no minimum balance. You’ll pay a small monthly fee, but you get unlimited check writing capabilities with this one.

They also offer free checking accounts for students and seniors, or you can choose from two interest-bearing accounts if you have either $1,000 or $2,500 for your minimum balance.

In addition to the St. Paris branch, they also have locations in Christiansburg and Rosewood.

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First Federal Bank of Ohio

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on First Federal Bank of Ohio's secure website

You can qualify for an account at the First Federal with just a photo ID. Their Thrifty Checking offers you mobile banking and a debit card. It comes with a low fee of just $2.50 and you can even get that waived if you keep at least $150 in your account. Otherwise, there’s no minimum balance if you don’t mind the fee.

All First Federal Bank of Ohio’s accounts allow you to access the mobile app either through the Apple Store or the Google Play Store. To visit them in person, you can find branches in Galion, Mt. Gilead, Cardington, Mansfield, Shelby, Sandusky, and Tiffin.

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First Federal Savings

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on First Federal Savings' secure website

First Federal Savings uses Telecheck rather than ChexSystems to review applications. Their Basic Checking includes all the standard features you’d expect, such as online and mobile banking, a debit card, bill-pay, and e-statements. It does cost $7 a month, but this fee can be waived if you meet one of the following requirements:

  • Maintain a minimum balance of $100
  • Sign up for at least one direct deposit
  • Are under 25 years old

There are two First Federal Savings branches in Newark, Ohio. The first location is downtown, while the second is in North Newark. Other branches are located in Granville, Heath, Pataskala, and Gahanna.

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First Financial Bank

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on First Financial Bank's secure website

First Financial Bank’s CLEANslate Checking offers a fresh start regardless of your checking history. There’s a $50 account opening fee, but no minimum balance moving forward. The monthly fee is $10 and you get quite a few perks along with it.

You’ll receive a debit card along with free ATM access and you even get a free gift when you open at a banking center. There are also plenty of digital features, including mobile deposits and online and mobile banking.

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GenFed Financial Credit Union

Apply Now

on GenFed's secure website

If you have an open record on ChexSystems, you could still qualify for their Clean Start Checking. To be eligible, you can’t have more than three records in ChexSystems and your outstanding balances must be under $500. Also, you can’t have any outstanding items that are less than one year old.

Once you get the account, you don’t have to worry about a minimum balance and the monthly fee is just $5. If you successfully manage your account for a year, you can bump up to GenFed’s Free Checking or Dividend Checking.

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Greenville National Bank

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on Greenville's secure website

Greenville uses a credit report check rather than a ChexSystems check to determine eligibility. If you get approved, you can opt for their Free Checking, which doesn’t have a monthly fee.

You do, however, need $50 to open your account. After that, there’s no minimum balance to maintain, making it an easy account to manage.

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Hopewell Federal Credit Union

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on Hopewell FCU's secure website

You can get a second chance account called Rebound Checking at Hopewell Federal. The monthly fee is $8 and you don’t get access to overdraft protection. But after a year of managing your account, you can upgrade to a regular account.

Hopewell has three branch locations: Heath, Newark, and Johnstown. You can start the membership application online to find out if you qualify.

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IH Credit Union

Apply Now

on IH's secure website

You’ll have a credit report run when you apply with IH, rather than a ChexSystems review. You need just $25 to open an account and can choose from either Free Kasasa Cash or Free Kasasa Cash Back. Neither account has a monthly fee and you can earn rewards without a minimum balance.

They’re located in Springfield and Urbana. Membership requirements are broad, with the easiest criteria being if you live, work, worship, or attend school in the state of Ohio.

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KEMBA Financial Credit Union

Apply Now

on KEMBA's secure website

KEMBA Financial’s Fresh Start Checking is designed for people who’ve had banking complications in the past. You get unlimited check writing plus a debit card, and there’s no minimum balance. The monthly fee is $10.95, but you can get that lowered to $8.95 if you have at least $500 in direct deposits scheduled each month.

You can switch to KEMBA’s Hassle Free Checking if you reach one of the following milestones:

  1. Go 12 months in a row of less than 12 non-sufficient funds notices, OR
  2. Go six months in a row with less than six NSF notices and take a money management course online.
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Liberty Savings Bank

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on Liberty Savings Bank's secure website

Liberty Savings Bank’s second chance account is called Clean Slate Checking. The typical eligibility requirement is that you can’t have more than three reports in your ChexSystems record.

While Liberty Savings Bank doesn’t have any physical branch locations in Ohio, you can still apply online as an Ohio resident. Local AllPoint ATMs can be used free of charge throughout the state for those times you need cash.

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LorMet Community Federal Credit Union

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on LorMet's secure website

LorMet Community Federal offers an account that comes with a one-time setup fee of $25, plus use an additional $50 as your opening deposit. After that, the monthly fee is $9.95.

To qualify, your records in ChexSystems must be older than six months and you can only have one open record of no more than $500. Additionally, you can’t be suspected of fraud. LorMet membership is open to anyone who lives, works, worships, or goes to school in Lorain County, or in cities of Bay Village, Rocky River, or Westlake.

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Members Trust Federal Credit Union

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on Members Trust's secure website

Designed for those with records in ChexSystems, Members Trust Federal offers TRUST and Alternative Checking. You’ll have to contact their Member Service Department directly to find out if you qualify. Their main office is located in Mason.

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Miami University and Community Federal Credit Union

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on Miami University and Community FCU's secure website

Miami University and Community Federal offers competitive Second Chance Checking. There’s no monthly fee and you get a free debit card along with ATM access and a free box of checks. After 30 days, you can even qualify for overdraft protection. The account also gets you mobile and online banking.

You do, however, have to call and speak to a member representative to open the account. Branches are located in Oxford, Hamilton, and Middletown.

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Ohio University Credit Union

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on Ohio University CU's secure website

If you have a credit score of 620 or higher, you could qualify for an account with Ohio University CU. There’s a Free Checking option with no monthly fee and no minimum account balance. You can sign up with either a $25 opening deposit or by enrolling with direct deposit.

You can also take advantage of CheckRight, a self-study course that teaches you how to budget and manage your checking account.

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Progressive Bank

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on Progressive Bank's secure website

Progressive Bank may run a credit report rather than pulling your ChexSystems report. There are multiple account options to choose from, with the most basic being Free Checking. There’s no monthly maintenance fee or minimum balance required. You do, however, need $100 to open the account.

There are multiple Progressive Bank locations throughout Ohio, including branches in Crooksville, Cambridge, Zanesville, Frazeysburg, Heath, and New Concord.

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Republic Bank

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on Republic Bank's secure website

The Checking Builder account is Republic Bank’s second chance option. To qualify, you need documentation showing satisfied debts from ChexSystems. There’s no minimum balance with the account, plus you get unlimited debit card transactions, check writing, and bill pay.

The monthly fee is $12.95. That drops to $7.95 if you either sign up for direct deposit or use your debit card for at least 20 point-of-sale transactions each month. Republic Bank is located in several states with multiple branches in Ohio.

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Sharefax Credit Union

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on Sharefax's secure website

Sharefax has a Basic Checking option that comes with no monthly fee, no service charge for checks, and no minimum balance.

You also get 100 free checks each year. There are a few limits, though; for example, you can only use your card for $2,000 in purchases each day and only for $600 in ATM withdrawals each day.

They have branches in Batavia, Evendale, Mason, Milford, and Lebanon.

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Sun Federal Credit Union

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on Sun's secure website

Sun Federal offers its members Fresh Start Checking. The monthly fee for this account is $10. After a year, you can upgrade to free Regular Checking if you meet the following criteria:

  • Maintain a positive balance
  • Have no more than NSF fees in 12 months
  • Complete the Check Right program

You can find branches in the following locations: Maumee, Oregon, and Toledo.

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Superior Federal Credit Union

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on Superior's secure website

You can qualify for Fresh Start Checking at Superior Federal even if you have a history in ChexSystems. You get a debit card but no checks, courtesy pay, or ATM deposits with this account. Despite these restrictions, the monthly fee is a low $5 and there’s no minimum balance that you’re required to maintain.

You also get free online and mobile banking and free access to withdrawals at MoneyPass and Alliance One ATMs. After a year of solid performance, you can switch to the standard Superior checking account that does include checks.

They have branches in Kenton, Lima, Fostoria, Coldwater, and St. Mary’s.

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The Farmers State Bank

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on Farmers State Bank's secure website

The Farmers State Bank relies on your TransUnion credit report rather than ChexSystems. If you qualify, you can sign up for the FSB Direct Account, which doesn’t come with any monthly maintenance fee.

You can even earn a small amount of interest if you maintain a balance of at least $100. Free features include online banking and bill pay, e-statements, plus free access to thousands of ATMs in the Jeanie Network.

Locations for FSB include New Madison, New Paris, Lewisburg, Winchester, Greenville, Springboro, and Portland.

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Universal One Credit Union

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on Universal One's secure website

Regardless of your past in ChexSystems, you could potentially qualify for Universal One’s Find Stability Checking. There’s a $15 monthly fee but you get a free Visa debit card and check abilities.

Membership is required to get the account. Branch locations can be found in Dayton, Kettering, Centerville, Huber Heights, Beavercreek, Sugarcreek Township, Miamisburg, Vandalia, Sidney, and Chillicothe.

Universal One also participates in shared branches and ATMs, getting you account access at thousands of locations across the country.

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Vacationland Federal Credit Union

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on Vacationland's secure website

You may qualify for an account at Vacationland Federal with just a proper ID. If you do get approved, consider Regular Checking option.

You get unlimited check writing in addition to a free debit card. Additionally, you get access to free online banking and bill pay. Some members may also qualify for overdraft protection.

To get the account, you must become a member and open a share savings account with a $25 deposit. To become a member, you need to live, work, worship, or attend school in Erie County. You can find a branch in the following locations: Huron, Sandusky, Vermillion, and Norwalk.

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