Banks That Don’t Use ChexSystems in Vermont

Current lets you open a mobile bank account without ChexSystems checks or credit pulls. It’s built for speed, flexibility, and getting your finances back on track.

You can build credit just by using your Current debit card—no loans, credit checks, or interest charges involved. There are no monthly or annual fees for this feature.

Current also offers fee-free overdraft protection up to $200, access to over 40,000 Allpoint ATMs, and no minimum balance requirements.

With a Premium account, you can get paid up to two days early with direct deposit. Current also offers up to 4.00% APY through its Savings Pods, which lets you earn interest while keeping your money accessible.

The SoFi Checking and Savings account provides a multitude of benefits, including no overdraft fees, balance requirements, or monthly charges.

For a limited time, there’s an enticing sign-up bonus of up to $300 with qualifying direct deposits.

In addition, account holders can utilize 55,000 ATMs free of charge via the Allpoint® Network. Those establishing direct deposit can earn up to 3.80% APY on their savings and 0.50% APY on checking accounts.

Direct deposit users also get the added benefit of early access to their paychecks – up to 2 days ahead.

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

When you open a Chime Checking Account, you won’t have to worry about monthly maintenance fees, foreign transaction fees, or minimum balance fees.

You can also start building your credit⁷ with the Secured Chime Credit Builder Visa^® Credit Card. It’s a secured credit card with no annual fees, no credit checks, and no interest charges¹.

Chime has over 60,000¹ fee-free MoneyPass® and Visa® Plus Alliance ATMs. Plus, you can get your paycheck up to 2 days earlier with direct deposit². You can also deposit cash for free at over 8,500 Walgreens.

It starts with a probationary Second Chance Savings Account, which allows you to address any outstanding banking debts while demonstrating responsible financial behavior.

Once you’ve shown consistent account management, you’re eligible to upgrade to a Rewards Checking Account that includes check writing and a debit card.

This program gives you the opportunity to regain your financial footing with the support of a trusted local credit union.

OCU has branches in Burlington and Winooski.

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.

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.

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.

While they offer specialized student and senior checking accounts, their standard checking account is the one most people can qualify for.

This account doesn’t have a minimum balance requirement and includes both a debit card and check writing capabilities.

You can also avoid the monthly service fee by enrolling in e-statements, and overdraft protection is available.

However, if your balance goes negative, a $5 daily fee will be charged, so it’s important to keep a close watch on your account.

To become a member, you must live or work in Bethel or Rochester, Vermont. White River’s branches are located in Bethel, Randolph, and Rochester.