Banks That Don’t Use ChexSystems in Rhode Island

SoFi doesn’t use ChexSystems and offers a no-fee checking and savings account with solid perks.

You can earn up to 3.30% APY on savings, access over 55,000 fee-free ATMs, and get paid up to two days early with direct deposit.

There are no overdraft fees, balance requirements, or monthly charges. You can also earn a sign-up bonus of up to $400 when you set up qualifying direct deposits.

Current doesn’t use ChexSystems or run credit checks, so approval is easy—even with a rough banking history.

There are no monthly fees, no minimum balance, and you get access to 40,000 fee-free ATMs.

You can also build credit by using your debit card—no loans, credit pulls, or interest charges.

Current includes fee-free overdraft protection up to $200 and lets you get paid up to two days early with direct deposit. Optional Savings Pods earn up to 4.00% APY.

Chime doesn’t use ChexSystems or run credit checks, so anyone can open an account.

There’s no monthly fee, no minimum opening deposit, and access to over 47,000 fee-free ATMs.

You can also build credit with the Chime Card, a secured Visa credit card with no annual fees, no interest charges, and no credit check required.

Direct deposit users can get paid up to two days early, and cash deposits are free at over 8,500 Walgreens locations.

Stash offers a checking account that doesn’t require a credit check or ChexSystems approval, making it accessible if you’ve faced banking challenges in the past.

Each time you make eligible purchases with your Stash debit card, you can earn Stock-Back® rewards in the form of fractional shares.

You can also receive your paycheck sooner with early direct deposit, and there are no overdraft fees to worry about.

The account includes access to over 55,000 fee-free ATMs and is managed through the Stash app, which also features investing and money management tools.

This account comes with a low $5 monthly maintenance fee, free online and mobile banking, and customizable account alerts to help you stay on top of your finances.

Opening the account requires just a $10 deposit, and it includes additional perks like free access to Centreville ATMs and a debit card.

Centreville Bank operates branches in several cities across Rhode Island, including Coventry, Cranston, Middletown, Newport, North Kingstown, Providence, Smithfield, Warwick, and West Warwick.

Be clear on the tradeoff, though. Chase screens this account through Early Warning Services instead, and anyone whose past account was closed by Chase itself will be turned down.

The account is designed around spending only what you have. It has no paper checks and no overdraft fees, so a transaction beyond your balance is declined rather than penalized.

The monthly fee is $4.95, waived with at least $250 in electronic deposits a month, or automatically for anyone between 17 and 24. You also get the Chase mobile app, Zelle, and Credit Journey credit tools.

With one of the largest branch networks in the country, Chase is easy to reach in person here. It has around 14 Rhode Island branches, including in Cranston, Cumberland, East Greenwich, Newport, Providence, and Warwick.

With just a $10 opening deposit, it provides essential banking tools like online and mobile banking, mobile deposits, and bill pay.

The monthly maintenance fee can be reduced by enrolling in Direct Deposit. Additionally, you can pair this checking account with a New Beginnings Savings account for easy ATM access to your funds.

Navigant Credit Union serves multiple cities throughout Rhode Island, including Cranston, Cumberland, Lincoln, North Kingstown, North Providence, Pawtucket, Providence, Smithfield, Warwick, Woonsocket, and more.

If approved, Basic Checking is a good starting point. The account has a $5 monthly fee, which can be waived by maintaining a daily balance of at least $300.

It also includes a debit card, unlimited check writing, free online banking, and bill pay.

Membership is open to those who live or work in Rhode Island or within 50 miles of its border. Branches are located in Bristol, Cranston, Kingston, Pascoag, and Providence, with access to shared branches nationwide.

If approved, you can opt for their Free Checking account, which has no monthly fee or minimum balance requirement.

You’ll receive a MasterCard debit card and one free order of checks when you open your account. Additionally, you can take advantage of online and mobile banking services.

Though Rockland Trust is primarily based in Massachusetts, they also have a branch in Providence, Rhode Island.

They provide three checking accounts: TD Complete Checking, TD Beyond Checking, and TD Essential Banking.

• TD Complete Checking has a $15 monthly fee that can be waived through direct deposits or other qualifying criteria.
• TD Beyond Checking offers premium perks like interest and no ATM fees, with a $25 monthly fee that can be waived by maintaining a minimum daily balance.
• TD Essential Banking, with a $4.95 monthly fee, is a checkless account ideal for those with simpler banking needs.

TD Bank has branch locations in many cities in Rhode Island, including Barrington, Cranston, Johnston, Middletown, North Providence, Pawtucket, Providence, Rumford, and Warwick.