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.
They do not use ChexSystems and they do not run a credit report at all.
The First Central National Bank
They use ID verification for new accounts.
Sharefax Credit Union
They do not run credit reports or background check but you must be eligible to join.
The Equitable Savings and Loan Company
They don't use any verification or credit report, however they do run a true alert to match your social and address and if they have any mismatches they will ask for further documentation.