Struggling to open a checking account in Oregon due to a negative ChexSystems listing?
While most banks use ChexSystems to review your banking history, there are some that don’t. Additionally, some banks offer second checking accounts.
Non-ChexSystems & Second Chance Banks in Oregon
We’ve compiled a comprehensive list of Oregon banks and credit unions that allow anyone to open a checking account, regardless of their banking history.
Consolidated Community offers a range of easy-to-use checking account products. Its entry-level simple checking account carries a minimum opening deposit of just $5, and there’s no minimum balance thereafter.
You’ll get 24/7 access to your funds through a variety of free online tools, with mobile banking technology including remote check deposits.
If you graduate to their peak checking account option, which carries a $25 minimum opening deposit, you’ll earn up to 2.02% interest on your revolving balance.
You’ll still get access to the same range of user-friendly features, as well as worldwide access to your cash with the bank’s network of more than 30,000 ATMs.
HomeStreet Bank does not run a ChexSystems, Telecheck, or EWS report on new applications.
They offer multiple checking accounts: Choice Checking, Select Checking, and Premium Select Checking. There’s no monthly fee, but there is a $100 minimum opening deposit.
You get free online and mobile banking, a free Visa debit card, and access to thousands of fee-free ATMs through the MoneyPass ATM network.
If you’re looking for big-bank resources served up with a friendly, small-town feel, Point West Credit Union might be the perfect fit. None of its range of checking accounts carry balance minimums, and it’s Fresh Start Checking can help you get your financial foothold back, even if you have a ChexSystems record.
The bank does stipulate that any debts recorded in ChexSystems that are still due must be paid in full before you’ll be eligible to open your account. But once you do, you’ll have access to an easy-to-use checking system with a low monthly maintenance fee of just $10.
You can eventually graduate to its fee-free standard checking account, or even one of its interest-earning accounts with higher minimum balance requirements.
Union Bank is a ChexSystems bank, but they’re lenient where others are not. If your ChexSystems record is at least a year old, has been paid, and does not indicate fraud, Union Bank may consider you for membership.
The Ready to Go Checking account comes with a debit card, online and mobile banking, unlimited check writing, and even a savings account.
The monthly fee is $8. However, you can get it waived if you meet certain criteria.
If Wells Fargo declines you for a standard checking account, you may still qualify for their “Clear Access Banking” account.
This second chance checking account has a monthly fee of $5. The only way to avoid it is if the primary account owner is 13 – 24 years old.
There’s a minimum opening deposit of $25. You get access to online bill pay, mobile banking, and over 13,000 ATMs free of charge.
Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.
1. Out-of-network ATM withdrawal fees may apply with Chime except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
2. Early access to direct deposit funds depends on the timing of the submission of the payment ﬁle from the payer. Chime generally make these funds available on the day the payment ﬁle is received, which may be up to 2 days earlier than the scheduled payment date.
7. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or beneﬁts payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, veriﬁcation or trial deposits from ﬁnancial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
Non-ChexSystems Banks by State
Looking for more information and additional options available in your area? Select your state from the list below to explore your options.
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- Washington, DC
- West Virginia