Banks That Don’t Use ChexSystems in Pennsylvania

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 a free Visa debit card, and up to 2% cash back on everyday debit card purchases.

The Upgrade Premier Savings account delivers an impressive 4.14% APY, giving you a remarkable opportunity to grow your savings faster.

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.

The SoFi Checking and Savings account provides a multitude of benefits, including no overdraft fees, balance requirements, or monthly charges.

For a limited time, there’s an enticing sign-up bonus of up to $300 with qualifying direct deposits.

In addition, account holders can utilize 55,000 ATMs free of charge via the Allpoint® Network. Those establishing direct deposit can earn up to 4.00% APY on their savings and 0.50% APY on checking accounts.

Direct deposit users also get the added benefit of early access to their paychecks – up to 2 days ahead.

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.

With Current, your everyday purchases can now shape your financial future. Simply by swiping your debit card, you can build credit. No loans or credit checks needed. There are also no monthly or annual fees for this service.

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.

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

When you open a Chime Checking Account, you won’t have to worry about monthly maintenance fees, foreign transaction fees, or minimum balance fees.

You can also start building your credit⁷ with the Secured Chime Credit Builder Visa^® Credit Card. It’s a secured credit card with no annual fees, no credit checks, and no interest charges¹.

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.

First Tech Federal Credit Union offers an attractive banking solution that goes beyond traditional constraints, providing members with a combination of high-yield interest and multiple financial incentives across its platforms.

With the First Tech Rewards Checking & Savings accounts, there are no minimum balance requirements and no monthly maintenance fees.

These accounts offer competitive interest rates, with the potential to earn up to 3.50% APY on both checking and savings accounts, depending on the balance—significantly higher than many conventional banks.

Additionally, First Tech offers extensive accessibility with over 30,000 CO-OP network ATMs nationwide for fee-free withdrawals.

The credit union also ensures enhanced financial security and flexibility with features like real-time fraud monitoring and free overdraft transfers.

With no minimum balance requirement, a low monthly service fee of $4.95, and a debit card, this account is designed to provide an opportunity for a financial reset.

After maintaining a good standing for one year, your account may be upgraded to one of their standard options.

Allegent serves several locations across Pennsylvania, including Pittsburgh, Cranberry Township, Wexford, McKeesport, and Penn Hills.

Both accounts come with no minimum balance requirement, unlimited ATM transactions at Clearview ATMs, and digital banking access. The monthly service charge is $9.95, but this can be reduced to $7.95 with direct deposit.

After maintaining a good account standing for 12 months, you may qualify to upgrade to a standard checking account. Fresh Start Pro offers additional benefits like unlimited check writing.

Clearview serves several communities across Pennsylvania, including key locations like Pittsburgh, Butler, McKeesport, Monroeville, Moon Township, and Wexford, among others.

To open a Fresh Start Checking account, a minimum deposit of $50 is required, with no ongoing minimum balance. The account provides debit card access, free online and mobile banking, and unlimited check writing.

Additionally, maintaining the account in good standing for 18 months may qualify you for an upgrade to JVB’s full-featured idLOCK checking accounts.

Fresh Start Basic accounts offer ATM and debit card access but do not allow check writing or online bill pay. Both accounts come with a $2 monthly fee reduction for enrolling in direct deposit.

JVB serves various Pennsylvania communities, including Lewistown, Coudersport, Port Allegany, Burnham, Lillibridge, McAlisterville, Liverpool, Port Royal, Mifflintown, and Millerstown.

This account has no monthly fees or minimum balance, allowing you to manage your finances with ease.

Along with being free, it includes mobile banking with features like mobile check deposit and bill pay. You also get surcharge-free access to over 37,000 ATMs nationwide, offering convenience for cash withdrawals.

Mid Penn Bank has locations in Allentown, West Chester, Camp Hill, Carlisle, Pottsville, Wyomissing, and other communities across Pennsylvania.

After maintaining the account in good standing for 12 months and completing the BalanceTrack Program Modules, you may be eligible to upgrade to a Regular Checking Account.

The account comes with a Mastercard Debit Card, check-writing capabilities, and access to eStatements, online banking, and mobile banking.

However, there’s a $7 monthly service fee, and certain restrictions apply, such as no Courtesy Pay, Bill Pay, or Mobile Deposit.

Penn East Federal serves various locations across Pennsylvania, including Clarks Summit, Factoryville, Scranton, and Tunkhannock.

The account carries a $10 monthly fee, and after keeping it in good standing for 12 months, you can request an upgrade to Regular Checking.

You’ll also need to complete the CheckRight online course, which teaches essential money management skills.

Sun Federal branches are located in Philadelphia, St. Davids, and West Lawn.

One of the standout perks of this account is free credit counseling to help you rebuild both your credit score and checking history. You’ll also receive a cash card for ATM access, plus a monthly $8 reimbursement for ATM surcharges.

After six months without any non-sufficient funds fees, you can upgrade to Advantages Checking.

Membership is available to employees in the utility or energy industry, as well as their families. UECU is based in Wyomissing and has a broad ATM network across Pennsylvania.

With over 700 branches across 17 states, including Pennsylvania, Woodforest provides accessible banking solutions for those looking to start fresh.

The account requires a $25 opening deposit and includes a one-time setup fee of $9. The monthly maintenance fee is $11.95, but this can be reduced to $9.95 with direct deposit.

Additionally, there’s a $3 fee for paper statements, which can be waived by opting for e-statements, giving customers the ability to manage their accounts digitally at a lower cost.

Woodforest National Bank serves several locations throughout Pennsylvania, including Beaver Falls, Bechtelsville, Butler, Carlisle, Chambersburg, Coal Township, Cranberry Township, Delmont, Dickson City, and Duncansville, and more across the state.