The following banks and credit unions offer excellent features and benefits. While we recommend them, they are not our top picks for the simple reason that they are not guaranteed banks. They have however helped a lot of people, and may be able to help you too.
Woodforest National Bank
You must apply in person and they are friendly to those reported to ChexSystems.
Farmers State Bank of Newcastle
They only need a proper ID.
They do not use ChexSystems or TeleCheck. Most people are still being approved.
Lufkin Federal Credit Union
They do not use ChexSystems at all for the debit card they run Equifax credit report.