Banks That Don’t Use ChexSystems in Tennessee

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.

The minimum opening deposit for these accounts ranges from $25 to $1,000, and some accounts allow you to waive the monthly fee by meeting certain conditions.

Each account includes essential features such as a free debit card, online banking, and bill pay.

Cadence Bank locations can be found in the following cities: Bartlett, Brentwood, Chattanooga, Franklin, Jackson, Memphis, Milan, Nolensville, Selmer, and Trenton.

They offer three checking options. The Simply Free Checking requires a $50 opening deposit, but has no minimum balance requirement.

It includes free eStatements, bill pay, online and mobile banking with remote deposit, and a free debit card.

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

They offer several checking options. The Standard Checking account includes free online and mobile banking, eStatements, bill pay, a debit card, and overdraft protection options.

There is a low minimum balance requirement to avoid monthly fees, but for specific details, applicants should consult with a member representative.

First South Financial has branches in Atoka, Bartlett, Collierville, Cordova, Dyersburg, Jackson, Memphis, Millington, and Nashville.

Checking accounts come with a Visa check card, free online and text banking with bill pay, and an interest-bearing option if a minimum balance is maintained.

Other 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 each quarter.

FSNB has locations in Antioch, Clarksville, Collierville, Cookeville, Cordova, Jackson, Johnson City, Knoxville, Memphis, and Nashville.

As long as you can provide two forms of ID, one being government-issued, and have no outstanding debt with Highland, your application may be approved.

They offer four checking account options, with Free Choice Checking being the most popular. This account has no monthly fees and includes a free first box of checks.

You’ll also get free online banking, free bill pay, and a free MasterCard debit card. A $100 minimum deposit and an email address are required to open the account.

Highland Federal operates two locations in Crossville.

Applicants with a credit score of at least 600 and no outstanding debt to Hope Community are generally approved for an account.

They offer five different checking account options, with some requiring a $25 minimum balance and a $9.95 monthly fee, which is waived if the account maintains a balance of $200 or more.

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

Hope CU has four locations in Memphis.

To open an account, you can apply online with a minimum deposit of $5. There’s no monthly service fee unless the account holder opts for paper statements, in which case it’s $2 per month.

This account comes with free mobile and online banking, remote deposit, free bill pay, and free access to over 64,000 ATMs worldwide.

Branches are located in the following cities: Alcoa, Bristol, Johnson City, Kingsport, Knoxville, Lenoir City, Maryville, Morristown, Powell, and Sevierville. There are also additional locations in other areas.

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.

Checking accounts come with online and mobile banking (including remote deposit), bill pay, a free Visa debit card, and Renasant’s Mobile Wallet, which currently works with Zelle, Apple Pay, Apple Pay Cash, and Google Pay.

Renasant Bank has branches in Bartlett, Collierville, Franklin, Germantown, Hermitage, Johnson City, Knoxville, Maryville, Memphis, and Nashville. They also have other locations across the state.

Their Premier Checking account offers benefits like identity theft protection, accidental death insurance, travel discounts, warranty protection, shopping rewards, and health savings discounts.

Additionally, you get free online and mobile banking with remote deposit, bill pay, eStatements, and one free box of checks each year.

While there’s no minimum balance requirement, the account has a $5.95 monthly fee. United Southeast has locations in Bristol and Johnson City.