Banks That Don’t Use ChexSystems in Vermont

Getting denied for a bank account in Vermont isn’t uncommon if you’ve had issues reported to ChexSystems. Most banks use it to flag risky applicants.

Luckily, some Vermont banks offer second chance checking accounts, and a few don’t use ChexSystems at all—giving you more ways to get back on track.

8 Banks in Vermont That Don’t Use ChexSystems

We’ve compiled a comprehensive list of Vermont banks and credit unions that allow anyone to open a checking account, regardless of their banking history.

SoFi

Our Top Pick
SoFi
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Features & Benefits

  • Sign-up bonus up to $400 with qualifying direct deposits
  • No monthly fee
  • Earn up to 3.30% APY on savings
  • Over 55,000 fee-free ATMs

SoFi doesn’t use ChexSystems and offers a no-fee checking and savings account with solid perks.

You can earn up to 3.30% APY on savings, access over 55,000 fee-free ATMs, and get paid up to two days early with direct deposit.

There are no overdraft fees, balance requirements, or monthly charges. You can also earn a sign-up bonus of up to $400 when you set up qualifying direct deposits.

Apply online →

Current

Current
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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

Current doesn’t use ChexSystems or run credit checks, so approval is easy—even with a rough banking history.

There are no monthly fees, no minimum balance, and you get access to 40,000 fee-free ATMs.

You can also build credit by using your debit card—no loans, credit pulls, or interest charges.

Current includes fee-free overdraft protection up to $200 and lets you get paid up to two days early with direct deposit. Optional Savings Pods earn up to 4.00% APY.

Apply online →

Chime

Chime
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Features & Benefits

  • No monthly fees or minimums
  • Credit Builder Card with no interest, fees, or credit pull
  • Get paid up to 2 days early with direct deposit
  • Over 47,000 fee-free1 ATMs

Chime doesn’t use ChexSystems or run credit checks, so anyone can open an account.

There’s no monthly fee, no minimum opening deposit, and access to over 47,0001 fee-free ATMs.

You can also build credit7 with the Secured Chime Credit Builder Visa® Credit Card—no annual fees, interest charges1, or credit pull required.

Direct deposit users can get paid up to two days early2, and cash deposits are free at over 8,500 Walgreens locations.

Apply online →

Stash

Stash
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Features & Benefits

  • No hidden fees
  • Earn stock as you spend with Stock-Back® rewards
  • Get paid up to two days early with direct deposit
  • 55,000+ fee-free ATMs through Allpoint®

Stash offers a checking account that doesn’t require a credit check or ChexSystems approval, making it accessible if you’ve faced banking challenges in the past.

Each time you use your Stash debit card, you earn Stock-Back® rewards—fractional shares of stock in the companies where you shop.

You can also receive your paycheck sooner with early direct deposit, and there are no overdraft fees to worry about.

The account includes access to over 55,000 fee-free ATMs and is managed through the Stash app, which also features investing and money management tools.

Apply online →

802 Credit Union

802 Credit Union
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802 Credit Union is a Vermont-based credit union serving over 41,000 members across 12 branch locations statewide, with offices in Barre, Bellows Falls, Brattleboro, Randolph, South Burlington, Springfield, Windsor, and more.

Their Free and Clear Checking account has no monthly maintenance fees, no minimum balance requirement.

It comes with free online banking, bill pay, and access to the Co-Op ATM network. Overdraft protection of up to $750 is available after 30 days of account opening, subject to conditions.

Membership is open to Vermont and New Hampshire residents. With branches spread across the state and digital banking tools available 24/7, it’s a solid everyday banking option worth contacting directly to ask about their account approval process.

Apply online →

NorthCountry Federal Credit Union

NorthCountry Federal Credit Union
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NorthCountry Federal Credit Union offers the Pathways Checking+ account, specifically designed to help those looking to rebuild their financial standing.

This account does not rely on ChexSystems, making it accessible to people with negative banking histories.

As part of a three-step process, you’ll open a Pathways Checking+ account with direct deposit, maintain a healthy balance for two months, and then apply for a small loan.

After six months of on-time payments, you may qualify for a NorthCountry credit card, further boosting your credit.

Additionally, the account has no monthly fees and provides access to 30,000 fee-free ATMs nationwide via the CO-OP network.

NorthCountry FCU has locations in Branches are located in Barre, Berlin, Burlington, Colchester, East Montpelier, Montpelier, Morrisville, Newport, Richford, and South Burlington.

Apply online →

Northern Lights Credit Union

Northern Lights Credit Union
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Northern Lights does use ChexSystems when reviewing checking account applications, but not for savings accounts.

If you’re just getting back into banking, this could be a great place to start.

The Basic Savings account doesn’t come with a monthly service fee, and you only need a $25 deposit to open the account. Plus, once your balance reaches $500, you’ll start earning interest.

To become a member, Vermont residents must live or work in Caledonia or Essex counties. They have a branch located in St. Johnsbury.

Apply online →

TD Bank

TD Bank
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TD Bank doesn’t use ChexSystems, making it a good choice for people who’ve had trouble with their banking history.

They offer several checking accounts, including TD Complete Checking, TD Beyond Checking, and TD Essential Banking, each tailored to different needs.

  • The TD Complete Checking account has a $15 monthly fee, which can be waived in three ways, such as setting up direct deposits.
  • For premium perks, TD Beyond Checking offers interest and no ATM fees, with a $25 monthly fee that can be waived through options like maintaining a daily balance.
  • If you’re looking for a simpler option, TD Essential Banking is a checkless account with a $4.95 monthly fee and no minimum balance requirement.

TD Bank has branches in Vermont cities like Barre, Bennington, Brattleboro, Burlington, Essex Junction, Rutland, Saint Albans, South Burlington, Williston, and more.

Apply online →

Non-ChexSystems Banks by State

Looking for more information and additional options available in your area? Select your state from the list below to explore your options.