Banks That Don’t Use ChexSystems in South Carolina

Features & Benefits

• Up to 5.02% APY on savings
• Up to 2% cash back
• No minimum balance requirement
• No monthly fees or overdraft fees

Features & Benefits

• Sign-up bonus up to $300 with qualifying direct deposits
• No monthly fee
• Earn up to 4.50% APY on savings
• Over 55,000 fee-free ATMs

Features & Benefits

• Build credit just by using your debit card
• No minimum balance or monthly fees
• 40,000 fee-free Allpoint ATMs in the U.S.
• Get paid up to 2 days faster
• No credit check or ChexSystems

Features & Benefits

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

Features & Benefits

• Earn up to 4.00% APY
• No monthly fees
• No minimum balance requirements
• Over 30,000 fee-free ATMs

Previously named Carolina Collegiate Federal, Caro offers a second chance checking account called Rebound Checking.

It requires a one-time deposit of $25, but there’s no minimum balance requirement. However, it does require direct deposit and has a monthly fee of $15.

Transferring to a standard checking account is possible after Rebound Checking has been kept in good standing for a predetermined amount of time. Caro has two locations in Columbia and one in Spartanburg.

Carolina Trust offers a second chance checking account called Encore Checking. There is a monthly service fee. However, if you can keep a positive account for 12 months, you can then transfer to a free checking account. Moreover, after only six months, you can replace your ATM card with a Visa debit card.

Carolina Trust has seven locations in the following areas: Conway, Johnsonville, Surfside Beach, Lake City, Little River, and two in Myrtle Beach.

First Reliance offers banking accounts to everyone, regardless of their credit report, ChexSystems, Telecheck, or EWS file. To open a Simple Checking account requires an initial deposit of $25, but it doesn’t have a monthly fee if you sign up for eStatements.

If you don’t select eStatements, then the fee is $5. It comes with free online and mobile banking, free automatic bill pay, as well as a free debit card. All account holders also get free access to thousands of worldwide ATMs.

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

FSNB offers banking without ChexSystems or credit checks, allowing for easy account opening with a $5 deposit.

Checking account options vary: Advanced Checking has a $10.95 monthly fee; Career Checking and 50+ Checking are free with a monthly direct deposit; Basic Checking incurs a $6.50 fee if the balance drops below $100.

The accounts come with a Visa check card, free online and text banking with bill pay, and an interest-bearing account, conditional on maintaining a minimum balance.

Additional perks include fee-free ATM transactions at FSNB locations, mobile banking, free e-statements, and no charge for cashier checks and money orders. Customers also receive one free box of standard checks every quarter.

Founders Federal uses credit reports in lieu of referring to ChexSystems, Telecheck, or EWS records. Additionally, each applicant must have a government issued ID.

Account holders get given a free Visa debit card, and there are no monthly fees. Founders has 18 locations throughout northern South Carolina.

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.

HopeSouth offers a second chance checking account to people who have issues with their checking history. Called Fresh Start,

HopeSouth asks that anyone who is interested in this account contact a representative to discuss details concerning qualifications and monthly fees.

Though there’s a monthly fee, once the account has maintained a positive history for a set period of time, HopeSouth encourages all account holders to apply for a standard checking account.

Their basic checking account is free and does not require an account balance minimum. They have one branch location, which is at 807 West Greenwood Street in Abbeville.

Vital Federal offers a second chance checking account called Fresh Start. There is a monthly service charge of $15, but there is no minimum balance requirement.

Direct deposit is required, but transferring to a basic checking account is possible if the Fresh Start is kept in good standing for a predetermined amount of time. Each account is federally insured up to at least $250,000.

Vital has locations in Spartanburg and Duncan, South Carolina. To become a member, applicants must live, work, worship, or attend school in Spartanburg County, or have a family member who is already a member.

Woodforest offers a second chance bank account to members at over 700 branches in 17 states.

The minimum opening deposit is just $25, and you’ll also have to pay a one-time setup fee of $9.

It also comes with a monthly fee of $11.95. You can get it reduced to $9.95 by enrolling in direct deposit. Another small fee is a paper statement fee of $3 per month. It can be waived completely by signing up for e-statements.