Struggling to open a checking account in the state of Washington due to a negative ChexSystems listing?
While most banks use ChexSystems to review your banking history, there are some that don’t. Additionally, some banks offer second checking accounts.
Non-ChexSystems & Second Chance Banks in Washington
We’ve compiled a comprehensive list of Washington banks and credit unions that allow anyone to open a checking account, regardless of their banking history.
U.S. Bank
Features & Benefits
- Up to $1,000 bonus
- Minimum opening deposit of $25
- Monthly service fee: $0 or $6.95
- Over 40,000 surcharge-free MoneyPass ATMs
SoFi
Features & Benefits
- Sign-up bonus up to $250 with qualifying direct deposits
- No monthly fee
- Earn up to 4.50% APY on savings
- Over 55,000 fee-free ATMs
Chime
Features & Benefits
- Over 14.5 million downloads
- No credit check or ChexSystems
- No minimum opening deposit
- Over 60,000 fee-free1 ATMs
Current
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
- No credit check or ChexSystems
GO2bank
Features & Benefits
- No ChexSystems or credit check
- 4.50% APY on savings
- Over 19,000 fee-free ATMs
- $5 monthly fee can be waived
Chase
Features & Benefits
- $100 bonus after 10 purchases
- No credit check or ChexSystems
- Over 16,000+ fee-free ATMs
- Over 4,700 branches nationwide
- $4.95 monthly service fee
American Lake Credit Union
American Lake doesn’t use ChexSystems to screen new applications; instead, they use Telecheck. Applicants must first apply for membership before they can open a checking account.
To be eligible, you must simply live in the state of Washington and make a minimum deposit of $5 into a shared savings account.
They offer a few different checking options for its members: Compass Checking, Regular Checking, Budget Checking, and Money Plus Checking. Compass Checking is free and doesn’t require a minimum balance if you enroll in eStatements.
It provides 24/7 access through both online and mobile banking, comes with a free Visa debit card, and overdraft protection options are available. Additionally, you get access to over 30,000 co-op ATMs and over 5,600 co-op branches.
They have branch locations in Tacoma and Lakewood.
Great Northwest Federal Credit Union
Great Northwest Federal uses Telecheck to screen new applications. However, anyone interested in joining must do so in person and be able to provide a government issued ID with a current address on it. Additionally, you must make a minimum $5 deposit into a savings account.
To be eligible to join, you must live, work or worship in Gray’s Harbor or Pacific County or have a family member who does. Great Northwest has locations in Aberdeen, Long Beach, Raymond, and Ocean Park.
GNFCU offers several checking options:
- Regular Share Account
- Money Market Account
- Great Value Checking
- Regular Draft Account
- Platinum Plus Checking
Great Value Checking is free if the account has a minimum of $100 in it. It comes with free online banking, free bill pay, a free Visa debit card, and earns dividends.
HomeStreet Bank
HomeStreet Bank does not run a ChexSystems, Telecheck, or EWS report on new applications.
They offer multiple checking accounts: Choice Checking, Select Checking, and Premium Select Checking. There’s no monthly fee, but there is a $100 minimum opening deposit.
You get free online and mobile banking, a free Visa debit card, and access to thousands of fee-free ATMs through the MoneyPass ATM network.
MountainCrest Credit Union
MountainCrest offers a second chance checking account called Fresh Start Checking. You’ll pay a $10 monthly service fee, as well as a $25 minimum opening deposit requirement.
There are no minimum account balance requirements, and account holders get a host of perks with this account. These include:
- Free online banking
- Free bill pay
- Free mobile banking
- Free eStatements
- Free telephone banking
- Free Visa debit card
They have branches in Arlington and Everett. To become a member, you must deposit a minimum of $5 into a savings account and either work, live, or worship in Washington state.
Mountain West Bank
Mountain West Bank does not use ChexSystems, EWS, Telecheck, nor does it pull a credit report when reviewing applications.
To open a checking, you’ll need a minimum opening deposit of $50.
Mountain West Bank offers four types of checking accounts: Totally Free Checking, Easy Interest, 50+ Interest Checking, and Premier Interest Checking.
Each account comes with a host of free features, some of which include:
- Free online banking
- Free bill pay
- Free mobile banking
- Free remote deposit
- Free Visa Debit Card
- Free eStatements
Salal Credit Union
Salal offers a second chance checking account called Pathway Checking.
This checking account requires a $25 minimum opening deposit and there’s a $10 monthly service fee. However, it is possible to get the fee waived if certain conditions are met each month. These include:
- 15 debit transaction per month reduces the fee by $5
- At least $250 directly deposited each month reduces the fee by $5
They have locations in Tukwila, Seattle, and Bellevue.
U.S. Bank
Features & Benefits
- Up to $1,000 bonus
- Minimum opening deposit of $25
- Monthly service fee: $0 or $6.95
- Over 40,000 surcharge-free MoneyPass ATMs
Wheatland Bank
Wheatland Bank uses Early Warning Systems (EWS) instead of ChexSystems when screening new applications. They offer two types of checking accounts: Gold Checking and Free-Range Checking.
Free-Range doesn’t have any monthly service fees and comes with free online checking, free online bill pay, a free Visa debit card, and up to $10 in non-Wheatland ATM fee reimbursements.
Additionally, there aren’t any caps to the number of times you can use your debit card each month, and the first box of checks is free. To open an account only requires a low opening deposit of $100.
They have branch locations in Chelan, Davenport, Ellensburg, Moses Lake, Odessa, Pasco, Quincy, Ritzville, Spokane, Wenatchee, Wilbur, and Yakima.
Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.
1. Out-of-network ATM withdrawal fees may apply with Chime except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
2. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. Chime generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
7. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
Non-ChexSystems Banks by State
Looking for more information and additional options available in your area? Select your state from the list below to explore your options.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming