Banks That Don’t Use ChexSystems in South Carolina

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.

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.

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 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.