The following banks and credit unions offer excellent features and benefits. While we recommend them, they are not our top picks for the simple reason that they are not guaranteed banks. They have however helped a lot of people, and may be able to help you too.
The Blue Grass Valley Bank
They use ID verification only.
Carter Bank and Trust
They told us that they do not use ChexSystems.
United Bank
They do not use ChexSystems and they do not run a credit report at all.
Benchmark Community Bank
They currently do not use any of the systems but they do require that accounts must maintain positive balances or they will be charged off.