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.
Grand County Credit Union
We called and verified that they do not use ChexSystems or a credit report to open an account there.
Mountain West Bank
If you come into a branch they do not run ChexSystems, however if you were to apply for a checking account through our website they do.
They do sometimes open accounts for those reported to ChexSystems depending on the severity of the report.