Banks That Don’t Use ChexSystems in Virginia

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.

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.

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 47,000 fee-free ATMs.

You can also build credit with the Chime Card, a secured Visa credit card with no annual fees, no interest charges, and no credit check required.

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

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 make eligible purchases with your Stash debit card, you can earn Stock-Back® rewards in the form of fractional shares.

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.

The BCB Free comes with no monthly checking account and no minimum balance. They also state that there are no special requirements to qualify for this account.

Benchmark Community Bank has multiple locations throughout Virginia, including Blackstone, Chase City, Clarksville, Crewe, Emporia, Farmville, Halifax, Kenbridge, Lawrenceville, South Boston, South Hill, and Victoria.

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.

The myChecking 1 account requires a $100 opening deposit and has a $5 monthly fee. The fee is waived if you maintain a $500 average daily balance or meet other qualifying conditions.

The account includes access to online and mobile banking, bill pay, and a debit card.

Chesapeake Bank has branches in Gloucester, Hayes, Irvington, Kilmarnock, Lancaster, Mathews, and Williamsburg, Virginia.

Its checking accounts include online banking, mobile banking, debit card access, direct deposit, bill pay, and ATM access.

Since Langley is a credit union, you’ll need to meet membership requirements before opening an account.

Langley Federal Credit Union has branches in Virginia, including Carrollton, Chesapeake, Glen Allen, Gloucester, Hampton, Newport News, Norfolk, and more.

They offer two Kasasa Checking options: Kasasa Cash, which earns interest on deposits, and Kasasa Cash Back, which provides cash back on debit card purchases.

Main Street Bank has branches in several Northern Virginia locations, including Fairfax, Herndon, McLean, Clarendon, and Leesburg.

Their Pioneer Free Checking account is a simple, no-cost option requiring a $100 opening deposit but has no monthly fees or minimum balance. However, it does mandate online banking and electronic statements.

Branches are located in Charlottesville, Harrisonburg, Luray, Ruckersville, Shenandoah, and Stanley.

The bank’s Hometown Partners Checking account has no monthly maintenance fee, no minimum balance requirement, and a $50 opening deposit.

Account holders get online banking, mobile banking, bill pay, mobile check deposit, debit card access, and local branch support.

TowneBank has branches throughout Hampton Roads, Richmond, Northeast North Carolina, and other nearby markets, making it a strong option for customers who want community banking with modern digital tools.

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.