You may have had trouble getting a checking account in the past, but that doesn’t mean you can’t get banked in the future. In fact, there are many credit unions and banks in Virginia that don’t use ChexSystems and some that are willing to help you rebuild your checking history. Some have more lenient eligibility requirements. Others have second chance accounts that require certain limits or fees as you demonstrate your ability to manage your finances.

Non-ChexSystems & Second Chance Banks in Virginia

Ready to find the right financial institution in Virginia for a new checking account? Here’s the comprehensive list that gives you all the details on what to expect in terms of qualifications, locations, and more.


Our Top Pick
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on Chime's secure website

Chime is an online bank that offers user-friendly, fee-free mobile banking. Chime accounts carry no minimum opening deposit or account balance requirements, and you’ll never be charged overdraft or foreign transaction fees.

They have more than 60,000 fee-free ATMs in their network nationwide. Along with standard online banking technology, like remote check depositing, Chime also offers a host of innovative extras.

Some of the features include automatic round-up savings, being able to instantly disable your debit card, a built-in option to pay friends and family via Venmo, and more.

Applying for an account won’t affect your credit score, and best of all, if you’re paid via direct deposit, you’ll get access to your funds up to two full days earlier than you would with competing bank accounts.

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Benchmark Community Bank

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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.

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Blue Grass Valley Bank

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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.

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Carter Bank and Trust

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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.

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Central Virginia Federal Credit Union

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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.

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Chartway Federal Credit Union

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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.

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Chesapeake Bank

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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.

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CommonWealth One Federal Credit Union

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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.

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Healthcare Systems Federal Credit Union

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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.

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InTouch Credit Union

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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.

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Main Street Bank

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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.

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Member One Federal Credit Union

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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.

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Old Point National Bank

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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.

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Pioneer Bank

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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.

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Unify Financial Federal Credit Union

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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.

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United Bank

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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.

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United Southeast Federal Credit Union

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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.

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Wells Fargo Bank

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on Wells Fargo's secure website

For a large, national bank the offers second chance checking, consider Wells Fargo. Their Opportunity Checking account only requires a $25 deposit to get started.

While there’s a $10 monthly service fee, you can get it waived by either making 10 debit card purchases, signing up for direct deposits of at least $500, or maintaining a $1,500 minimum daily balance.

Wells Fargo has a wide geographic footprint throughout Virginia, in terms of both branches and ATMs.

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Woodforest National Bank

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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.

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