Banks That Don’t Use ChexSystems in South Carolina

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 3.80.00% 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 that offers mobile banking without ChexSystems checks or credit pulls. It’s a flexible option for anyone looking to rebuild or simplify their finances.

You can build credit just by using your Current debit card—no loans, credit checks, or interest charges involved. There are no monthly or annual fees for this feature.

Current also offers fee-free overdraft protection up to $200, access to over 40,000 Allpoint ATMs, and no minimum balance requirements.

With a Premium account, you can get paid up to two days early with direct deposit. Current also offers up to 4.00% APY through its Savings Pods, which lets you earn interest while keeping your money accessible.

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 4.02% 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.

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.

To open the account, you’ll need a one-time deposit of $25, and while there’s no minimum balance requirement, direct deposit is required, along with a $15 monthly fee.

After maintaining the account in good standing for a set period, you may be eligible to transfer to a standard checking account.

Caro operates two branches in Columbia and one in Greenville.

This account has no minimum balance requirement and provides free online banking, bill pay, and a free Visa debit card.

Direct deposit is required to open the account, and there is a $9.99 monthly service charge. Additionally, the account includes identity theft resolution services with credit file monitoring (registration and activation required).

Carolina Foothills Federal Credit Union has branches in Gaffney, Greenville, Mauldin, and Spartanburg.

While there is a monthly service fee, you can transfer to a free checking account after maintaining a positive balance for 12 months.

Additionally, after just six months, you can upgrade your ATM card to a Visa debit card.

Carolina Trust operates seven locations in Conway, Johnsonville, Lake City, Little River, Myrtle Beach, and Surfside Beach.

To open an account, you’ll need an initial deposit of $25. There’s no monthly fee if you opt for eStatements, but if not, a $5 fee applies.

The account includes free online and mobile banking, automatic bill pay, and a debit card. You’ll also have access to thousands of ATMs worldwide at no cost.

First Reliance Bank has branches in Florence, Lexington, West Columbia, Mount Pleasant, Charleston, Loris, Summerville, Winston-Salem, Greenville, Taylors, Simpsonville, Myrtle Beach, and Mooresville.

Account holders receive a free Visa debit card, and there are no monthly fees.

To become a member, applicants must live, work, study, volunteer, or worship in Chester County, Chesterfield County, Laurens County, Town of Wellford, Town of Duncan, or Union County.

Eligibility can also be granted to applicants with family members who are already members or if the applicant works, volunteers, or retired at participating companies.

Founders Federal Credit Union has branches in Catawba, Charlotte, Chester, Fort Mill, Great Falls, Indian Land, Lancaster, Richburg, Rock Hill, and York.

To learn about the qualifications and monthly fees, interested individuals are encouraged to contact a HopeSouth representative.

While the account does come with a monthly fee, once you’ve maintained a positive account history for a specified time, you can apply for a standard checking account.

The basic checking account is fee-free and has no minimum balance requirement.

HopeSouth has one branch located in Abbeville.

The account has a $10.95 monthly service fee, which can be lowered to $7.95 with qualifying direct deposit.

It includes overdraft protection, a free Visa debit card, access to online and mobile banking, and no minimum balance requirement.

Skyla Credit Union has a branch location in Rock Hill, South Carolina.

They feature several checking accounts, including 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 criteria.
• TD Beyond Checking offers premium benefits 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 option suited for simpler banking needs.

TD Bank has locations in many cities across South Carolina, including Aiken, Anderson, Bluffton, Charleston, Columbia, Florence, Greenville, Myrtle Beach, Spartanburg, and more.

To avoid a monthly service fee, account holders must maintain a balance of $100.

The account comes with an ATM card only, providing a simple option for those looking to reestablish their banking history.

Upstate Federal Credit Union has branches in Anderson, Honea Path, Starr, and Williamston, South Carolina.

Direct deposit is required, and after maintaining the account in good standing for a set period, you can transfer to a basic checking account. All accounts are federally insured up to $250,000.

To become a member, you must live, work, worship, or attend school in Spartanburg County, or have a family member who is already a member. Vital has one location in Spartanburg.

To open an account, a minimum deposit of $25 is required, making it accessible for most individuals. There is also a one-time setup fee of $9 when the account is opened.

Afterward, the account comes with a monthly maintenance fee of $11.95, which can be reduced to $9.95 by enrolling in direct deposit.

For those who prefer paper statements, there is a $3 monthly fee, but this can be waived entirely by opting for e-statements, helping users further reduce costs and manage their accounts digitally.

Woodforest National Bank has branches in several South Carolina cities, including Charleston, Columbia, Florence, Greenville, Myrtle Beach, North Charleston, Rock Hill, Spartanburg, Summerville, and Sumter.