Banks That Don’t Use ChexSystems in Oregon

Have you tried to open a checking account in Oregon, but can’t get approved? It’s probably because you have a negative listing in ChexSystems. Most banks in Oregon use ChexSystems to review your banking history.

Fortunately, you still have options. There are several banks that don’t use ChexSystems during the application process, and others that offer second chance checking.

Non-ChexSystems & Second Chance Banks in Oregon

Take a look at this comprehensive list of banks and credit unions in Oregon that either don’t use ChexSystems, or offer second chance checking accounts.


Our Top Pick
LetMeBank’s rating
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Features & Benefits

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

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 Checking Account is 100% free and has no monthly fees:

  • no monthly maintenance fees
  • no foreign transaction fees
  • no minimum balance 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 60,0001 fee-free MoneyPass® and Visa® Plus Alliance ATMs. Plus, you can get your paycheck up to 2 days earlier with direct deposit2. You can also deposit cash for free at over 8,500 Walgreens.

You can see why Chime is our #1 choice.


Our Second Pick
LetMeBank’s rating
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Features & Benefits

  • No credit check or ChexSystems
  • No minimum balance or hidden 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

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 bank account includes fee-free overdraft protection of up to $200. Account holders 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.


Our Third Pick
LetMeBank’s rating
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Features & Benefits

  • No minimum balance requirement
  • No monthly fees
  • No overdraft fees
  • Visa debit card, iOS and Android mobile app
  • Up to 2% cash back

Upgrade doesn’t pull your ChexSystems report, but they do look at your credit report.

The Upgrade Rewards Checking account has no monthly fees and no ATM fees. You’ll also get up to 2% cash back on everyday debit card purchases.

Upgrade reimburses up to five out-of-network ATM fees per month if you meet certain conditions.

Upgrade is partnered with Cross River Bank, Member FDIC, and your funds are FDIC-insured up to $250,000. With an Upgrade checking account, you can also get up to 20% lower rates on Upgrade loans and credit cards.


LetMeBank’s rating
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Aspiration’s Spend & Save Account is a hybrid checking and savings account that is entirely online. There’s a $10 minimum opening deposit to get started.

With an Aspiration debit card, you get unlimited fee-free withdrawals at over 55,000 ATMs and one out-of-network ATM reimbursement per month. You can also get paid up to two days early with direct deposit.

You can earn up to 5.00% APY when you spend $1,000/month and deposits are FDIC insured.

Axos Bank

Axos Bank doesn’t use ChexSystems or pull your credit report.

The Rewards Checking account from Axos Bank has no monthly maintenance fees, unlimited domestic ATM fee reimbursements, and it comes with cash back rewards.

You get unlimited free mobile deposits and your funds are FDIC insured up to $250,000. Plus, there are no overdraft fees or non-sufficient fund fees.

There are no minimum balance requirements, and you’ll only need a $50 deposit to open the account.

Consolidated Community Credit Union

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

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.

Point West Credit Union

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

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.

US Bank

US Bank uses ChexSystems, but it has a history of being more lenient with records than most banks.

As long as you don’t have a history of fraud, or you don’t owe any money to US Bank, you may be able to open a checking account with them.

US Bank has a few different checking options. These include Platinum Checking Package, Easy Checking, Student Checking, and Safe Debit Account.

There’s a $25 opening deposit. Monthly fees range from $0 to $6.95. You get free access to over 4,700 banks, a free Visa debit card, and free online and mobile banking, which includes free bill pay and remote deposit.

Wells Fargo

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.

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.