Struggling to open a checking account in Vermont 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 Vermont
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
Features & Benefits
- Sign-up bonus up to $250 with qualifying direct deposits
- No monthly fee
- Earn up to 4.50% APY on savings
- Over 55,000 fee-free ATMs
Chime
Features & Benefits
- Over 14.5 million downloads
- No credit check or ChexSystems
- No minimum opening deposit
- Over 60,000 fee-free1 ATMs
Current
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
GO2bank
Features & Benefits
- No ChexSystems or credit check
- 4.50% APY on savings
- Over 19,000 fee-free ATMs
- $5 monthly fee can be waived
Chase
Features & Benefits
- $100 bonus after 10 purchases
- No credit check or ChexSystems
- Over 16,000+ fee-free ATMs
- Over 4,700 branches nationwide
- $4.95 monthly service fee
Northern Lights Credit Union
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.
Wells Fargo
If Wells Fargo declines you for a standard checking account, you may still qualify for their “Clear Access Banking” account.
This second chance checking account has a monthly fee of $5. The only way to avoid it is if the primary account owner is 13 – 24 years old.
There’s a minimum opening deposit of $25. You get access to online bill pay, mobile banking, and over 13,000 ATMs free of charge.
White River Credit Union
White River could potentially run a credit report to evaluate applications, but that’s it. They offer student and senior checking, but their regular checking account is the one most people will qualify for.
It doesn’t require a minimum balance and it comes with a debit card and check writing abilities. You can eliminate the monthly service fee by signing up for e-statements and can also elect to enroll in overdraft protection.
If your account drops to a negative balance, you will be charged a daily $5 fee, so it’s best to stay on top of your account balance. To join, you must work or live in Rochester or Bethel, Vermont. They have branches located in Rochester, Bethel, and Randolph.
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. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
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.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming