Banks That Don’t Use ChexSystems in Virginia

Upgrade doesn’t pull your ChexSystems report, but they do look at your credit report.

The Upgrade Rewards Checking account has no monthly fees and no ATM fees. You’ll also get a free Visa debit card, and up to 2% cash back on everyday debit card purchases.

The Upgrade Premier Savings account delivers an impressive 4.14% APY, giving you a remarkable opportunity to grow your savings faster.

Upgrade is partnered with Cross River Bank, Member FDIC, and your funds are FDIC-insured up to $250,000. With an Upgrade checking account, you can also get up to 20% lower rates on Upgrade loans and credit cards.

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 4.00% 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.

Current is a financial technology company, not a bank. The company does not use ChexSystems or pull your credit report, and they have a lot to offer.

With Current, your everyday purchases can now shape your financial future. Simply by swiping your debit card, you can build credit. No loans or credit checks needed. There are also no monthly or annual fees for this service.

A Current mobile bank account includes fee-free overdraft protection of up to $200. Account holders also get access to over 40,000 fee-free Allpoint ATMs with your Current debit card, and there is no minimum balance or hidden fees.

You can also get paid up to two days early with direct deposit with a Current Premium account. Plus, Current offers up to 4.00% APY with Current Savings Pods.

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.

First Tech Federal Credit Union offers an attractive banking solution that goes beyond traditional constraints, providing members with a combination of high-yield interest and multiple financial incentives across its platforms.

With the First Tech Rewards Checking & Savings accounts, there are no minimum balance requirements and no monthly maintenance fees.

These accounts offer competitive interest rates, with the potential to earn up to 3.50% APY on both checking and savings accounts, depending on the balance—significantly higher than many conventional banks.

Additionally, First Tech offers extensive accessibility with over 30,000 CO-OP network ATMs nationwide for fee-free withdrawals.

The credit union also ensures enhanced financial security and flexibility with features like real-time fraud monitoring and free overdraft transfers.

Their Regular Checking account requires a low opening deposit of $20, and there’s no monthly service fee. With this account, you’ll receive a Visa debit card and can order checks.

Despite being a smaller bank, Blue Grass Valley offers modern conveniences such as online banking and bill pay, providing a good balance of personal service with up-to-date features.

They have branches located in Blue Grass and Monterey, Virginia.

The Lifetime Free Checking account has been around for 40 years and is truly free with no monthly charges or minimum balance requirements.

You’ll also receive a free MasterCard debit card and enjoy unlimited check writing.

Carter Bank & Trust has branches in cities like Charlottesville, Fredericksburg, Harrisonburg, Lynchburg, Manassas, Roanoke, Salem, Stafford, Waynesboro, and Winchester, with additional locations available throughout Virginia to serve you.

This account comes with a low monthly fee, no minimum balance, and includes a free ATM card or Visa check card.

Members can also use direct deposit and payroll deduction services, along with unlimited check writing and transactions at CVFCU ATMs.

Membership is open to individuals who live, work, worship, or go to school in Amherst, Appomattox, Bedford, and Campbell Counties, as well as in the City of Lynchburg and the Towns of Bedford and Altavista.

To join, a one-time membership fee of $5 is required, along with a $5 deposit into a CVFCU savings account.

Branches are located in Forest, Lynchburg, and Madison Heights

The account requires maintaining a minimum balance of $35 and comes with a monthly fee.

You’ll get unlimited check writing, and signing up for direct deposit will also provide access to a Visa check card.

Chartway has branches in several cities, including Chesapeake, Norfolk, Suffolk, and Virginia Beach.

With a $10 monthly fee, members can access a Visa debit card, as well as online and mobile banking services. After maintaining the account in good standing for 12 months, members may convert to a regular checking account.

To qualify for membership, you must work in the healthcare industry or at a hospital in Virginia, Washington D.C., or Montgomery and Prince George’s counties in Maryland.

HSFCU has branches located in Alexandria, Fairfax, Falls Church, and Manassas.

They offer three checking options: United Free Checking, Platinum Checking, and United Rewards Checking, each designed for different needs.

The United Free Checking account is ideal for those seeking a simple, fee-free solution with no minimum balance requirements. A $50 minimum deposit is needed to open the account, making it accessible for many.

United Bank has branches in Alexandria, Arlington, Centreville, Charlottesville, Fairfax, Fredericksburg, Leesburg, Manassas, Richmond, Winchester, and many more.

The Basic Checking account costs $2 per month but comes with a number of features. These include no required minimum balance, a free Visa debit card, and even free overdraft protection.

To become a member of USFCU in Virginia, you must live, work, worship, or attend school in either Loudon County or Russell County. You can also be eligible by working for one of their select employers.

Locations include Abingdon, Bristol, Lebanon, and Marion.