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.


Our Top Pick

Features & Benefits

  • Up to 5.21% APY on savings
  • Up to 2% cash back
  • No minimum balance requirement
  • No monthly fees or overdraft fees

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 5.21% 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.

First Tech Federal Credit Union

Our Second Pick

Features & Benefits

  • Up to $300 sign-up bonus with direct deposit
  • No minimum balance requirements
  • Earn up to 5.00% APY
  • Over 30,000 fee-free ATMs

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. Members can take advantage of a $300 bonus simply by establishing a qualifying payroll direct deposit of $1,000 or more per month for three consecutive months.

These accounts offer competitive interest rates, with the potential to earn up to 5.00% 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, contributing to a comprehensive and secure banking experience.


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

  • 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.

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 before approving their application. 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 with 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 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.

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.

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. The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.