Banks That Don’t Use ChexSystems in Washington, DC

Upgrade doesn’t pull your ChexSystems report, but they do look at your credit report.

The Upgrade Rewards Checking account has no monthly fees and no ATM fees. You’ll also get a free Visa debit card, and up to 2% cash back on everyday debit card purchases.

The Upgrade Premier Savings account delivers an impressive 4.14% APY, giving you a remarkable opportunity to grow your savings faster.

Upgrade is partnered with Cross River Bank, Member FDIC, and your funds are FDIC-insured up to $250,000. With an Upgrade checking account, you can also get up to 20% lower rates on Upgrade loans and credit cards.

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 4.00% 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.

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.

With Current, your everyday purchases can now shape your financial future. Simply by swiping your debit card, you can build credit. No loans or credit checks needed. There are also no monthly or annual fees for this service.

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.

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.

First Tech Federal Credit Union offers an attractive banking solution that goes beyond traditional constraints, providing members with a combination of high-yield interest and multiple financial incentives across its platforms.

With the First Tech Rewards Checking & Savings accounts, there are no minimum balance requirements and no monthly maintenance fees.

These accounts offer competitive interest rates, with the potential to earn up to 3.50% APY on both checking and savings accounts, depending on the balance—significantly higher than many conventional banks.

Additionally, First Tech offers extensive accessibility with over 30,000 CO-OP network ATMs nationwide for fee-free withdrawals.

The credit union also ensures enhanced financial security and flexibility with features like real-time fraud monitoring and free overdraft transfers.

To get more details and apply for an account, you’ll have to visit a branch in person.

There are branches throughout the Washington, DC metro area in Alexandria and Springfield. If you’re a GAO employee, you can access their on-site private branch.

The easiest way to join is if you live, work, worship, or go to school in Alexandria, Washington DC, Harrisonburg, Warren County, or Clarke County, Virginia.

The account comes with no monthly fees or minimum balance requirements, and provides the convenience of unlimited check writing and a Visa debit card.

You can also benefit from access to a large network of ATMs, with 10 fee-free transactions per month at non-LCFCU ATMs.

Additionally, the account includes Balance Financial Fitness, a complimentary financial wellness program designed to help with budgeting and money management.

Membership eligibility extends to employees of nearly 40 participating organizations in the DC area or family members of current LCFCU members, making it relatively easy to join.

If you’d like to visit in person, their branches are just a short drive away in Laurel and Landover, MD.

Their Fresh Start Checking account is designed for those aiming to rebuild their banking history, with no minimum balance requirements.

After six months of responsible account management, you may be eligible to upgrade to a standard checking account.

With access to over 30,000 fee-free ATMs, managing your finances is simple, even without a local branch.

They provide a range of checking accounts to fit various needs.

• The TD Complete Checking account carries a $15 monthly fee, which can be waived through three methods, like setting up direct deposits.
• For enhanced benefits, TD Beyond Checking offers interest and no ATM fees, with a $25 monthly fee that can be waived by maintaining a certain balance or using other methods.
• For those seeking simplicity, TD Essential Banking is a checkless account with a low $4.95 monthly fee and no minimum balance.

TD Bank serves the Washington, DC area, with branch locations in key areas throughout the city and nearby regions, making it a convenient choice for locals.

While it may lack some features of their other accounts, it still provides key benefits, including online banking and bill pay, a free Visa debit card, and access to over 30,000 surcharge-free ATMs.

Additionally, the account comes with eStatements to help you manage your finances.

For those in Washington, DC, the credit union operates one convenient branch location.

They offer three checking options tailored to different needs. The United Free Checking account is a straightforward choice for those seeking a no-fee option.

It requires no minimum balance and has no monthly maintenance charges. With a $50 minimum deposit to open, it’s accessible to most people looking for a simple banking solution.

United Bank operates seven convenient locations throughout Washington, DC.