Banks That Don’t Use ChexSystems in Virginia

If you’ve been turned down for a checking account in Virginia, ChexSystems might be the reason. It tracks your banking history, and many banks use it to reject people with negative marks.

But not all banks in Virginia follow that model. Some skip ChexSystems entirely, while others offer second chance accounts for those working to rebuild their finances.

12 Banks in Virginia That Don’t Use ChexSystems

We’ve compiled a comprehensive list of Virginia banks and credit unions that allow anyone to open a checking account, regardless of their banking history.

Current

Our Top Pick

Features & Benefits

  • Build credit just by using your debit card
  • No minimum balance or monthly fees
  • 40,000 fee-free Allpoint ATMs in the U.S.
  • Get paid up to 2 days faster

Current lets you open a mobile bank account without ChexSystems checks or credit pulls. It’s built for speed, flexibility, and getting your finances back on track.

You can build credit just by using your Current debit card—no loans, credit checks, or interest charges involved. There are no monthly or annual fees for this feature.

Current also offers fee-free overdraft protection up to $200, access to over 40,000 Allpoint ATMs, and no minimum balance requirements.

With a Premium account, you can get paid up to two days early with direct deposit. Current also offers up to 4.00% APY through its Savings Pods, which lets you earn interest while keeping your money accessible.

SoFi

Features & Benefits

  • Sign-up bonus up to $300 with qualifying direct deposits
  • No monthly fee
  • Earn up to 3.80% APY on savings
  • Over 55,000 fee-free ATMs

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 3.80% 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.

Chime

Features & Benefits

  • Over 22 million downloads
  • No credit check or ChexSystems
  • No minimum opening deposit
  • Over 60,000 fee-free1 ATMs

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.

Benchmark Community Bank

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.

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.

Blue Grass Valley Bank

Blue Grass Valley Bank doesn’t use ChexSystems, so you’ll only need a valid ID to open an account.

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.

Carter Bank and Trust

Carter Bank & Trust is said to not use ChexSystems, which means 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 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.

Chesapeake Bank

Chesapeake Bank uses Telecheck instead of ChexSystems to review new account applications.

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.

Main Street Bank

Main Street Bank uses Telecheck instead of ChexSystems when reviewing new applications.

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.

Old Point National Bank

Old Point National Bank uses Telecheck instead of ChexSystems to determine eligibility for their Free Checking account.

The account has no monthly fees and requires just a $25 opening deposit. There is also no minimum balance requirement.

You can apply for an account at branches in Carrollton, Chesapeake, Hampton, Norfolk, Virginia Beach, Williamsburg, Windsor, and Yorktown.

Pioneer Bank

Pioneer Bank reportedly uses Telecheck instead of ChexSystems, which may help you qualify for an account even with past ChexSystems records.

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.

United Bank

United Bank doesn’t rely on ChexSystems or credit reports, allowing easier approval for individuals with past financial issues.

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.

United Southeast Federal Credit Union

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, Bristol, Lebanon, and Marion.