Banks That Don’t Use ChexSystems in Tennessee

Struggling to open a checking account in Tennessee due to a negative ChexSystems listing?

While most banks use ChexSystems to review your banking history, there are some that don’t. Additionally, some banks offer second checking accounts.

Non-ChexSystems & Second Chance Banks in Tennessee

We’ve compiled a comprehensive list of Tennessee banks and credit unions that allow anyone to open a checking account, regardless of their banking history.

U.S. Bank

Our Top Pick

Features & Benefits

  • Up to $800 bonus
  • Minimum opening deposit of $25
  • Monthly service fee: $0 or $6.95
  • Over 40,000 surcharge-free MoneyPass ATMs

U.S. Bank is currently welcoming new customers in 26 U.S. states with a special online bonus offer:

  • Earn up to $800 when you open a new U.S. Bank Smartly® Checking account and a Standard Savings account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through December 29, 2023. Member FDIC.
  • Applicant must reside in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY to be eligible for checking account.

The Smartly® Checking account comes with a free debit card and the option to lock or unlock the card if it’s ever lost or stolen.

Plus, you’ll never have to worry about ATM transaction fees at U.S. Bank ATMs or surcharge fees at over 40,000 MoneyPass Network ATMs.

U.S. Bank uses ChexSystems, but it has a history of being more lenient with records than most banks.

As long as you don’t have a history of fraud, or you don’t owe any money to U.S. Bank, you may be able to open a checking account with them.

The minimum opening deposit for this account is just $25, and the monthly service fee is $6.95. However, you can avoid the monthly fee by maintaining a minimum balance of $1,500 or by having a minimum monthly direct deposit of $1,000.


Our Second Pick

Features & Benefits

  • Sign-up bonus up to $250 with qualifying direct deposits
  • No monthly fee
  • Earn up to 4.60% APY on savings
  • Over 55,000 fee-free ATMs

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 $250 with qualifying direct deposits.

In addition, account holders can utilize 55,000 ATMs free of charge via the Allpoint® Network. Those establishing direct deposit are entitled to an annual percentage yield (APY) of 4.60% on their savings and 0.50% on checking accounts.

Direct deposit users also get the added benefit of early access to their paychecks – up to 2 days ahead, and they can earn up to 15% cash back at local businesses when they make transactions with the SoFi debit card.


Features & Benefits

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

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.


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

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.


Features & Benefits

  • No ChexSystems or credit check
  • 4.50% APY on savings
  • Over 19,000 fee-free ATMs
  • $5 monthly fee can be waived

GO2bank is a neobank offered by Green Dot, a well-established financial technology company. Customers can open a checking account featuring subaccounts known as vaults without a minimum balance requirement.

GO2bank provides an attractive 4.50% APY on savings accounts for balances of up to $5,000. Access to funds is made easy through cash deposits at 90,000 retail locations and fee-free ATMs at 19,000 locations.

Additionally, customers can receive their pay up to 2 days in advance and government benefits up to 4 days early via direct deposit.

You can also opt for overdraft protection up to $200 with eligible direct deposits.

GO2bank offers the GO2bank Secured Visa Credit Card, which can assist customers in building their credit over time through responsible use.

The $5 monthly fee is waived when you receive payroll or government benefits through direct deposit.


Features & Benefits

  • $100 bonus after 10 purchases
  • No credit check or ChexSystems
  • Over 16,000+ fee-free ATMs
  • Over 4,700 branches nationwide
  • $4.95 monthly service fee

Chase offers a checking account called Chase Secure Banking. The account comes with a Chase debit card that gets you access to over 16,000 fee-free ATMs.

Some features of this checking account include free online bill pay, free money orders and cashier’s checks, no overdraft fees, and no minimum opening deposit. However, there is also a monthly service fee of $4.95.

When you open a Chase Secure Banking account and make 10 qualifying purchases within 60 days, you’ll get a $100 cash bonus.

Account approval is immediate, and the debit card typically arrives within days.

Appalachian Community Federal Credit Union

Appalachian Community Federal offers second chance checking for anyone with a ChexSystems checking history. Called Fresh Start, it requires a $50 initial deposit and has a $10 monthly service fee.

To become a member, applicants must live, work, worship, or attend school in Carter, Hawkins, Sullivan, Unicoi, or Washington County. They may also join ACFCU if they are a member of H/Ead, or have a family member who is already an ACFCU member.

They have branch locations in Kingsport, Rogersville, Johnson City, Gray, and Jonesborough.

Cadence Bank

Cadence Bank offers several checking accounts that don’t use ChexSystems. Minimum opening deposits range from $25 to $1,000. However, for some checking accounts you can get the monthly fee waived by meeting certain requirements.

The accounts come with the basic features you’d expect, like a free debit card, online banking, and bill pay.

Community National Bank

Community doesn’t use ChexSystems but will pull a credit report for each application. Provided you don’t have too many negative marks on your credit report, Community National Bank may open an account for you.

They offer a few different checking products: Money Market Checking, Reward Checking, Community Plus Checking, Community 62 Checking, eChecking, and Click-n-Save Checking.

Click-n-Save comes with free online banking, free bill pay, and free eStatements. It also includes free cell phone protection, roadside assistance, and accidental death insurance, as well as identity protection.

They have locations in Dayton, Soddy-Daisy, and Spring City.

Commercial Bank and Trust

Commercial Bank and Trust checks each applicant’s credit report and credit score prior to approval. A credit score of 600 is needed, provided the credit report doesn’t have too many negative entries on it.

Commercial Bank and Trust offers three checking options: Choice Checking, Fifty Plus Checking, and Simply Free Checking.

Simply Free Checking requires a $50 opening deposit but doesn’t require a minimum balance. It comes with free eStatements, free bill pay, free online and mobile banking (which includes remote deposit), and a free debit card.

Commercial Bank and Trust has locations in Union City, Paris, Memphis, and Jackson.

First South Financial Credit Union

First South uses a credit report in lieu of running a ChexSystems, Telecheck, or EWS scan on new applications. It offers several types of checking options: k Standard, Student, Savings, @nywhere, and Money Market Account.

Standard Checking comes free online and mobile banking, free eStatements, free bill pay, a free debit card, as well as overdraft protection options.

There’s a low minimum balance requirement to avoid monthly fees, but for more information, applicants will need to speak with a member representative.

They have locations in Memphis, Bartlett, Cordova, Millington, Collierville, Atoka, Dyersburg, and Nashville.


FSNB doesn’t use ChexSystems or credit checks for new applicants. The minimum opening deposit is $5.

You’ll need to maintain a $75 balance to avoid paying the monthly $5.50 statement fee. Account holders get a Visa check card and free online banking.

Highland Federal

Highland Federal doesn’t use ChexSystems, Telecheck, EWS, or a credit report to screen new applications. As long as you can present two forms of ID, one of which must be government issued, and you don’t owe Highland any money, your application may be approved.

Highland offers four checking options: Basic Checking, Free Choice Checking, Smart Choice Club Account, and Golden Choice Club Account. Free Choice Checking doesn’t have any monthly fees, and the first box of checks is free.

It comes with free online banking, free checking, free bill pay, and a free MasterCard Debit card. A minimum deposit of $100 is required, as is an email address.

They have two locations in Crossville.

Hope Credit Union

Hope Credit Union uses ChexSystems, but they aren’t as strict with negative entries as other financial institutions.

As long as the applicant has a credit score of at least 600, and doesn’t owe any money to Hope Community, HCCU is likely to open an account.

Hope CU offers five checking account options. Some of them have a $25 minimum balance requirement and as a $9.95 monthly fee. However, the fee is waived if the account has at least $200 in it.

Checking accounts come with unlimited paperless transactions, free online and mobile banking, free eStatements, and overdraft protection options.

Home Federal Bank

Home Federal Bank offers a second chance checking account called Square One Checking. It requires a minimum opening deposit of $50, as well as a one-time setup fee of $10.

The monthly fee is $19.99 if you don’t sign up for direct deposit, but drops to $12.99 if you do.

The Square One account comes with free online and telephone banking, free eStatements, as well as overdraft protection options. They have locations in New Tazewell, Jacksboro, Harrogate, and Knoxville.

Knoxville TVA Employees Credit Union

Instead of using ChexSystems, TVA runs a credit report for each application. Membership is available to anyone who lives, works, attends school, owns a business, or worships in the following areas:

  • Sullivan
  • Johnson City
  • Hamblen
  • Jefferson
  • Knox
  • Sevier
  • Blount
  • Roane
  • Loudon

To open an account, you can apply online and make a minimum deposit of $5. Knoxville TVA has numerous locations throughout much of Tennessee.

TVA doesn’t have a monthly service fee unless the account holder opts to have a paper statement instead of an eStatement, in which case it’s $2 a month.

It comes with free mobile and online banking, remote deposit, free bill pay, and free access to over 64,000 ATMs throughout the world.

Republic Bank

Republic Bank has a second chance checking account called Checking Builder Account. It requires a $50 deposit, a social security number, and government ID.

If you’re in ChexSystems, you may need to provide documentation that you have satisfied any debt you may have had with a former financial institution.

The monthly fee is $12.95 a month. However, this amount can be reduced if you sign up for direct deposit, or have at least 20 debit transactions a month.

Checking Builder doesn’t require a minimum balance, and comes with free internet banking, free bill pay, and unlimited check writing. You get free ATM transactions with Republic Bank, Presto, Sum, MoneyPass, or Allpoint ATMs.

Renasant Bank

Renasant Bank uses ChexSystems, but it has built a reputation for being more lenient with negative records than other banks. As long as there isn’t a history of fraud and the applicant does not owe any money to Renasant, you may open an account.

Renasant offers four checking options: Renasant Checking, Student Checking, Rewards Checking, and Rewards Extra.

Checking accounts come with online and mobile banking (including remote deposit), bill pay, a free Visa debit card, and Renasant’s Mobile Wallet.

The mobile wallet currently works with:

  • Zelle
  • Apple Pay
  • Apple Pay Cash
  • Google Pay

Staley Credit Union

Staley Credit Union offers a second chance checking account called Renew Checking. It’s designed for anyone looking to repair their checking history.

Renew Checking requires a $50 deposit to get started and there is a $7 monthly service fee.

Renew Checking comes with free online and mobile banking, free bill pay, a free debit card, and access to over 5,000 free nationwide ATMs. Overdraft protection options are also available to members.

Transferring to a standard checking account is possible if you maintain a positive balance in the account during the first year.

UNIFY Financial Credit Union

UNIFY Financial doesn’t use ChexSystems to screen new applications. They offer four different checking accounts: Free Checking, Right Start Checking, eChecking, and Premier Checking.

There’s a $25 minimum opening deposit. Each checking account comes with a free Visa Debit Card, free check writing, and free access to online and mobile banking.

United Southeast Federal Credit Union

United Southeast Federal uses Telecheck to screen new applicants instead of ChexSystems. Telecheck is less common, so many people who have had difficulty opening a bank account can do so with a Telecheck based financial institution.

They offer Premier Checking. It comes with identity theft protection, accidental death insurance, travel discounts, warranty protection, shopping rewards, and health discount savings.

Keep in mind that all of this is, in addition, to free online and mobile banking (including remote deposit), online bill pay, free eStatements, and one free box of checks a year. The account doesn’t require a minimum balance, but there is a monthly fee of $5.95.

They have locations in Bristol, Johnson City, Abingdon, and Lebanon.

Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.

1. Out-of-network ATM withdrawal fees may apply with Chime except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

2. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. Chime generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

7. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.