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 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.

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

SoFi doesn’t use ChexSystems and offers a no-fee checking and savings account with solid perks.

You can earn up to 3.80% 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 $300 when you set up qualifying direct deposits.

Chime

Features & Benefits

  • No monthly fees or minimums
  • Credit Builder Card with no interest, fees, or credit pull
  • Get paid up to 2 days early with direct deposit
  • Over 60,000 fee-free1 ATMs

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 60,0001 fee-free ATMs.

You can also build credit7 with the Secured Chime Credit Builder Visa® Credit Card—no annual fees, interest charges1, or credit pull required.

Direct deposit users can get paid up to two days early2, and cash deposits are free at over 8,500 Walgreens locations.

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.