Banks That Don’t Use ChexSystems in South Carolina

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 47,000¹ fee-free ATMs.

You can also build credit⁷ with the Secured Chime Credit Builder Visa® Credit Card—no annual fees, interest charges¹, or credit pull required.

Direct deposit users can get paid up to two days early², 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 use your Stash debit card, you earn Stock-Back® rewards—fractional shares of stock in the companies where you shop.

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.

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.