Vermont may be a small state, but that doesn’t mean you don’t have options to qualify for a checking account. Oftentimes, people find it difficult to get approved when they have a history in ChexSystems. If your record includes minor infractions like too many account overdrafts or unpaid fees to old banks, you’ve probably found yourself in this situation.

However, not all banks and credit unions use ChexSystems to evaluate potential account holders. They may use alternative sources, like EWS or Telecheck. Some require a credit pull. And many only require some form of identification. Finding these non-ChexSystems banks is a great way to get your checking history back on track.

Another common solution is to find a second chance checking account. These accounts are designed specifically to get you back into a bank account even if you’ve had financial mistakes in the past. You might have to pay a small monthly fee, but usually, after a year of responsibly managing your account, you can upgrade to a better option.

Non-ChexSystems & Second Chance Banks in Vermont

Check out our complete list of banks in Vermont that don’t use ChexSystems or offer second chance banking.


Our Top Pick
Apply Now

on Chime's secure website

With Chime, bad banking history is not an issue. They offer an award-winning financial app, a debit card, and a credit-builder Visa credit card, all with no credit check.

The Chime Spending Account is 100% free and has no monthly fees:

  • no overdraft fees
  • no monthly maintenance fees
  • no foreign transaction fees
  • no minimum balance fees

They’ll even spot you up to $200 on debit card purchases with no overdraft fees.

You can also start building your credit with the Chime Credit Builder Visa Credit Card. It’s a secured credit card with no annual fees, no credit checks, and no interest charges.

Chime has over 60,000 fee-free MoneyPass® and Visa® Plus Alliance ATMs. Plus, you can get your paycheck up to 2 days earlier with direct deposit. You can also deposit cash for free at over 8,500 Walgreens.

You can see why Chime is our #1 choice.

Learn More →

Northern Lights Credit Union

Apply Now

on Northern Lights' secure website

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.

Learn More →

Wells Fargo

Apply Now

on Wells Fargo's secure website

Wells Fargo offers a second chance checking account called Opportunity Checking. To qualify, you must first be turned down for another account because of your history in ChexSystems. In addition to mobile banking, Opportunity Checking also comes with standard features such as a debit card, checks, and bill pay.

The account does have a $10 monthly service fee, but it’s easy to get it waived. You can do one of three things:

  1. Use your debit card for at least 10 transactions each month
  2. Enroll in direct deposits totaling at least $500
  3. Keep a minimum daily balance of $1,500 or more

If you plan on actively using your Opportunity Checking account, it should be relatively easy to meet one of these requirements to make the account completely free.

Learn More →

White River Credit Union

Apply Now

on White River's secure website

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.

Learn More →