Non ChexSystems Banks & Credit Unions in Texas

While it is frustrating to discover you are listed in ChexSystems, it does not need to put a damper on your financial life. If you apply for any of our recommended non-ChexSystems accounts, you could be approved quickly. Soon, you will have your new checking or savings account and be ready to receive payments and make purchases!

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.