Are you trying to open a checking account in Tennessee, but can’t get approved? It’s probably because you have a negative listing in ChexSystems. Most banks in Tennessee use ChexSystems to review your banking history.

Fortunately, you still have options. There are several banks that don’t use ChexSystems during the application process, and others that offer second chance checking.

Non-ChexSystems & Second Chance Banks in Tennessee

Take a look at this comprehensive list of banks and credit unions in Tennessee that either don’t use ChexSystems, or offer second chance checking accounts.


Our Top Pick
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on Chime's secure website

With Chime®, bad banking history is not an issue. They offer an award-winning financial app, a debit card, and a credit-builder Visa credit card, all with no credit check.

The Chime Checking Account is 100% free and has no monthly fees:

  • no overdraft fees
  • no monthly maintenance fees
  • no foreign transaction fees
  • no minimum balance fees

They’ll even spot you up to $200 on debit card purchases with no overdraft fees.

You can also start building your credit 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 charges.

Chime has over 60,000 fee-free MoneyPass® and Visa® Plus Alliance ATMs. Plus, you can get your paycheck up to 2 days earlier with direct deposit. You can also deposit cash for free at over 8,500 Walgreens.

You can see why Chime is our #1 choice.

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Our Second Pick
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on Aspiration's secure website

Aspiration’s Spend & Save Account hybrid checking and savings account that is entirely online. There’s a $10 minimum opening deposit to get started.

With an Aspiration debit card, you get unlimited fee-free withdrawals at over 55,000 ATMs and one out-of-network ATM reimbursement per month. You can also get paid up to two days early with direct deposit.

You can earn up to 5.00% APY when you spend $1,000/month and deposits are FDIC insured.

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Our Third Pick
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on Current's secure website

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.

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.

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Appalachian Community Federal Credit Union

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on Appalachian Community FCU's secure website

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.

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Bancorp South

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on Bancorp South's secure website

Bancorp South offers second chance checking. It requires a $50 deposit to get started and there is a $10 monthly service fee.

Once you have maintained a positive balance for 12 months, you may be able to transfer to a standard checking account. It comes with free online and mobile banking, a free debit MasterCard, and unlimited check writing. It also comes with a free budgeting app called BudgetWi$e.

Bancorp South has locations in Brentwood, Jackson, Alamo, Chattanooga, Humboldt, Trenton, Franklin, Selmer, Milan, Dresden, Bartlett, and Oakland.

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Community National Bank

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on Community National Bank's secure website

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.

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Commercial Bank and Trust

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on Commercial Bank and Trust's secure website

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.

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First National Bank

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on First National Bank's secure website

First National does not use ChexSystems, EWS, or Telecheck, but will run a credit report on new applications. It requires a credit score of at least 600 for standard checking accounts, but also offers a credit builder account if the account holder can sign up for direct deposit.

They currently offer the following checking options: Secure Checking, Free Kasasa Cash Checking, Free Kasasa Cash Back Checking, Heritage Checking, Now Checking, Credit Builder Account, and eChecking. Credit Builder does not require a minimum deposit and comes with free online banking as well as a free debit card.

They have locations in Pulaski, Ardmore, Fayetteville, Lewisburg, and Lynnville.

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First South Credit Union

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on First South's secure website

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.

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Apply Now

on FSNB's secure website

FSNB doesn’t run a ChexSystems scan on new applications, nor will it check your credit report, depending on what checking account you want to open. As long as you don’t owe money to FSNB, they may approve your application.

There are five types of checking accounts available: Advanced Checking, Career Checking, 50+ Checking, Basic Checking, and Now Account. Basic Checking requires a $5 deposit and has a $5.50 monthly service charge if the balance falls below $75. This account doesn’t require a credit check.

Basic Checking has a few benefits to it. Some of these include:

  • Free online banking
  • Unlimited check writing
  • Free debit card
  • Accrues interest if account balance is greater than $500

FSNB has numerous locations throughout all of Tennessee.

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Highland Federal

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on Highland Federal's secure website

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.

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Holston Methodist Federal Credit Union

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on Holston Methodist FCU's secure website

Holston Methodist Federal offers a second chance checking account for anyone looking to repair their checking history. There’s a $10 monthly fee, but it comes with free online banking, 24-hour phone banking, as well as free bill pay.

Opening an account requires a $50 deposit into a share draft checking account. Once the account has maintained a positive balance for six months, you may be able to transfer to a standard checking account.

They are located in the city of Knoxville.

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Hope Community Credit Union

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on Hope Community CU's secure website

Hope Community 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 he or she doesn’t owe any money to Hope Community, HCCU is likely to open an account.

They offer five checking options: Easy Checking, Easy Checking Plus, Hope Rewards Checking, Student Checking, and the Hope Choice Card. Easy Checking has a $25 minimum balance, as well as a $9.95 monthly fee, however, the fee is waived if the account has at least $200 in it.

It comes with unlimited paperless transactions, free online and mobile banking, free eStatements, and offers overdraft protection options. They have locations in Jackson and Memphis.

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Home Federal Bank

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on Home Federal Bank's secure website

Home Federal Bank offers a second chance checking account for anyone who has had trouble with ChexSystems. 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.

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Knoxville TVA Employees Credit Union

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on Knoxville TVA Employees CU's secure website

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.

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Republic Bank

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on Republic Bank's secure website

Republic Bank has a second chance checking account called Checking Builder Account. It requires a $50 deposit, a social security number, government ID, and documentation, if necessary, from ChexSystems 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, unlimited check writing, and free ATM transactions with Republic Bank, Presto, Sum, MoneyPass, or Allpoint ATMs. There are also Tennessee branch locations in Nashville and Franklin.

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Renasant Bank

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on Renasant Bank's secure website

Renasant Bank uses ChexSystems but 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 with Renasant, Renasant may open an account.

Renasant offers four checking options: Renasant Checking, Student Checking, Rewards Checking, and Rewards Extra. Renasant Checking comes with online and mobile banking (including remote deposit), bill pay, a free Visa debit card, and Renasant’s Mobile Wallet. Mobile Wallet currently works with:

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

Renasant has locations in Nashville, Maryville, Franklin, Hendersonville, Hermitage, Goodlettsville, Johnson City, Bristol, Jonesborough, Collierville, Memphis, Germantown, Bells, Memphis, and Bartlett.

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Staley Credit Union

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on Staley CU's secure website

Staley offers a second chance checking account called Renew Checking. 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.

Staley has a branch location in Loudon, Tennessee.

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Unify Financial Credit Union

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on Unify's secure website

Unify Financial, formerly called Western Federal, offers a second chance account called Right Start Checking. It doesn’t require a minimum balance or a monthly fee, as long as certain obligations are met. These include:

  • Logging into account at least once a month
  • Signing up for eStatements as opposed to paper statements
  • Using debit card at least eight times a month

If these obligations aren’t met, the monthly fee is $20.

Right Start comes with overdraft protection and account holders are able to log in to their account from any device (tablet, PC, or smartphone). They have on location in Collegedale.

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United Southeast Federal Credit Union

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on United Southeast FCU's secure website

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.

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