Are you trying to open a checking account in Virginia, but can’t get approved? It’s probably because you have a negative listing in ChexSystems. Most banks in Virginia use ChexSystems to review your banking history.

Fortunately, you still have options. There are several banks that don’t use ChexSystems during the application process, and others that offer second chance checking.

Non-ChexSystems & Second Chance Banks in Virginia

Take a look at this comprehensive list of banks and credit unions in Virginia that either don’t use ChexSystems, or offer second chance checking accounts.


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 Checking 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 Secured 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 →


Our Second Pick
Apply Now

on Aspiration's secure website

Aspiration’s Spend & Save Account hybrid checking and savings account that is entirely online. There’s a $10 minimum opening deposit to get started.

With an Aspiration debit card, you get unlimited fee-free withdrawals at over 55,000 ATMs and one out-of-network ATM reimbursement per month. You can also get paid up to two days early with direct deposit.

You can earn up to 5.00% APY when you spend $1,000/month and deposits are FDIC insured.

Learn More →


Our Third Pick
Apply Now

on Current's secure website

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.

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.

Learn More →

Benchmark Community Bank

Apply Now

on Benchmark's secure website

Benchmark Community Bank doesn’t use systems like ChexSystems, so you could qualify for one of their checking accounts. 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.

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

Learn More →

Blue Grass Valley Bank

Apply Now

on Blue Grass Valley's secure website

You just need a valid ID to qualify for an account with the Blue Grass Valley Bank, which has locations in Blue Grass and Monterey, Virginia. The Regular Checking account is available with an opening deposit of just $20. There’s no monthly service fee and you get a Visa debit card along with the ability to order checks.

Though a small bank, Blue Grass Valley still keeps up to date with modern features like online banking and bill pay.

Learn More →

Carter Bank and Trust

Apply Now

on Carter Bank & Trust's secure website

Carter Bank and Trust is said to not use ChexSystems, meaning you could potentially qualify for a checking account. The Lifetime Free Checking account has been around for 40 years and is truly free with no monthly charges and no minimum balance required. Carter Bank and Trust also supplies you with a free MasterCard debit card and unlimited check writing.

There are Carter Bank and Trust branch locations throughout much of Virginia.

Learn More →

Central Virginia Federal Credit Union

Apply Now

on Central Virginia FCU's secure website

Fresh Start Checking from Central Virginia Federal can help you re-establish your checking history. With just a low monthly fee and no minimum balance, you also get a free ATM card or Visa check card. You can also opt in to direct deposit and payroll deduction services, plus you get unlimited check writing and transactions at CVFCU ATMs.

You can find branch locations in Lynchburg, Forest, and Madison Heights, plus shared branches in even more locations. Membership is available to anyone who lives, works, worships, or goes to school in Amherst, Appomattox, Bedford and Campbell Counties, the City of Lynchburg, and the Towns of Bedford and Altavista.

You’ll pay a one-time membership fee of $5 and then need to make an additional $5 deposit into a CVFCU savings account.

Learn More →

Chartway Federal Credit Union

Apply Now

on Chartways's secure website

Get a fresh start with Chartway Federal’s Smart Choice Checking account, even if you have a history of non-sufficient funds at other financial institutions.

There’s a monthly fee and you need to maintain a minimum balance of $35. You get unlimited check writing and if you sign up for direct deposit, you’ll also get a Visa check card.

There are branch locations in Norfolk and Suffolk and you can also take advantage of shared branch locations across the country.

Learn More →

Chesapeake Bank

Apply Now

on Chesapeake Bank's secure website

Try applying for a checking account with Chesapeake Bank, as they use Telecheck rather than ChexSystems. The most basic account is myChecking 1, which requires an opening deposit of $100. The monthly fee is $5 but you can get this waived if you maintain a $500 average daily balance or meet two of the following requirements:

  • Direct deposit
  • Online banking with e-statements
  • One debit card transaction each month
  • Text banking

Your daily limit is $2,500 for point of sales transactions and $300 for ATM withdrawals. You can find multiple Chesapeake Bank branches in the following regions of Virginia: Northern Neck, Middle Peninsula, Williamsburg, and Richmond.

Learn More →

CommonWealth One Federal Credit Union

Apply Now

on CommonWealth One's secure website

CommonWealth One FCU offers Second Chance Checking for individuals who need a fresh start in taking control over their finances. The goal is to help you get back on your feet and eliminate expensive check cashing services.

To find out the full details of the account and apply, you’ll need to head to a branch. Branch locations include Alexandria and Harrisonburg.

Membership with CommonWealth One FCU can be obtained by applying online. You’ll need to deposit $5 into a savings account with the credit union.

Learn More →

Healthcare Systems Federal Credit Union

Apply Now

on Healthcare Systems FCU's secure website

The Renew Account from Healthcare Systems Federal is a second chance checking opportunity designed for those who want to rebuild their checking history.

There’s a $10 monthly fee, and with that, you receive a Visa debit card, online and mobile banking services. If you manage your account successfully for 12 months, you can convert to a regular checking account with HSFCU.

There are two branches, which are located in Inova Fairfax Hospital and Novant Health Prince William Hospital. To become a member, you must work in the healthcare industry or a hospital in Virginia, the District of Columbia, or Maryland’s Montgomery and Prince Georges Counties.

Learn More →

InTouch Credit Union

Apply Now

on InTouch's secure website

Fresh Start Checking from InTouch helps you reestablish your checking history. Start by becoming a credit union and depositing $5 into a savings account. Then you’ll need to deposit $50 into your checking account. To maintain the account, you’ll have to pay a monthly fee of $14.95.

There are plenty of perks you get with the Fresh Start Checking account, including online and mobile banking, digital wallets through Apple Pay and Masterpass, and access to Popmoney.

Learn More →

Main Street Bank

Apply Now

on Main Street Bank's secure website

Main Street Bank utilizes Telecheck rather than ChexSystems when evaluating new applications. There are two Kasasa Checking options. The Kasasa Cash lets you earn interest on your deposits while the Kasasa Cash Back offers cash back on your purchases made with funds from your account.

Main Street Bank branches can be found throughout Northern Virginia, including Fairfax, Herndon, McLean, Clarendon, and Leesburg.

Learn More →

Member One Federal Credit Union

Apply Now

on Member One's secure website

If you’ve had trouble getting a checking account at other banks or credit unions, you may qualify for Member One FCU’s Smart Choice Checking account. To learn more about the details of the account, you’ll need to either call or apply directly in a branch.

You can find locations throughout southwest Virginia, particularly in Lynchburg, Roanoke, and Christiansburg. To be eligible for membership, you must live, work, worship, or attend school in Altavista, Franklin County, Montgomery County, Radford, or Vinton.

You could also be eligible if you’re connected to one of the following areas: Amherst, Bedford, Botetourt, Campbell, Forest, Lynchburg, Pittsylvania County, Roanoke, or Salem.

Learn More →

Old Point National Bank

Apply Now

on Old Point's secure website

Old Point National Bank uses Telecheck, not ChexSystems to determine eligibility for checking accounts. Their Free Checking account doesn’t have a monthly fee and only requires a $25 opening deposit. Plus, there’s no minimum balance to worry about.

To apply for an account, contact one of Old Point National Bank’s locations in Newport News, Williamsburg, Norfolk, or Chesapeake.

Learn More →

Pioneer Bank

Apply Now

on Pioneer's secure website

Pioneer Bank reportedly uses Telecheck rather than ChexSystems, so you could qualify for an account even if you have records in ChexSystems. The Pioneer Free Checking account is a low-cost, basic option to consider.

The opening deposit is $100, but then you don’t have to worry about a minimum balance or monthly fee. It does, however, require online banking and electronic statements.

There are multiple Pioneer Bank branches, including those in Stanley, Luray, Shenandoah, Stanardsville, Harrisonburg, Ruckersville, and Charlottesville.

Learn More →

Unify Financial Federal Credit Union

Apply Now

on Unify's secure website

The Right Start Checking account from Unify Financial Federal is designed for people who either have no checking history or have a negative checking history.

Start with just a $25 opening deposit and from there you won’t need a minimum balance to maintain. There are no monthly fees or no per-check fees and you even get overdraft protection up to $250.

You’ll find branches in Northern Virginia, specifically Reston and Fairfax.

Learn More →

United Bank

Apply Now

on United's secure website

United Bank doesn’t use ChexSystems and offers a range of checking account options. Try the United Free Checking account, which doesn’t require any monthly fees or any minimum balance.

You’ll get a Visa debit card, plus free online banking and mobile banking, as well as bill pay. You can even deposit checks through Apple Pay, Android Pay, and Samsung Pay.

You can find United Bank branches throughout much of the state of Virginia.

Learn More →

United Southeast Federal Credit Union

Apply Now

on United Southeast's secure website

United Southeast Federal is another option that uses Telecheck rather than ChexSystems. 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, Lebanon, and Bristol.

Learn More →

Woodforest National Bank

Apply Now

on Woodforest's secure website

Woodforest National Bank also offers a Second Chance Checking account that helps you rebuild your checking history after past challenges with banking.

To open the account, you’ll need just $25 for your deposit. You’ll also be required to pay $9 as a one-time setup fee. The monthly fee is $11.95, but if you sign up for direct deposit, the fee drops to $9.95.

Woodforest National Bank has multiple branches in Virginia, so it’s easy to find a location that works for you.

Learn More →