Banks That Don’t Use ChexSystems in Washington, DC

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 3.80.00% 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 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.

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.

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 overdraft 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 4.02% APY, giving you a remarkable opportunity to grow your savings faster.

You’ll get access to over 55,000 fee-free ATMs through the Allpoint network, including Walgreens and CVS locations. Plus, checking account customers can qualify for up to 20% lower rates on Upgrade loans and credit cards.

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 offer two main checking options. The Free Checking account is designed for everyday banking with no monthly fees or minimum balance requirements, providing flexibility and ease of use.

Both accounts include features such as overdraft protection, access to over 85,000 fee-free ATMs through the Allpoint and Co-op networks, and early direct deposit, allowing members to receive funds up to two days sooner.

PenFed Credit Union has several branch locations in the District of Columbia.

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.