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.
City National Bank & Trust
They do not currently use ChexSystems or credit checks as requirements to open an account.
They do not use ChexSystems or TeleCheck. Most people are still being approved.
MTC Federal Credit Union
They do not do any credit checks to open a checking account.
Liberty National Bank
They do use Telecheck when someone wishes to open a checking or savings account.