Banks That Don’t Use ChexSystems in West Virginia

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

You can earn up to 3.30% 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 $400 when you set up qualifying direct deposits.

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.

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 47,000¹ 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.

Stash offers a checking account that doesn’t require a credit check or ChexSystems approval, making it accessible if you’ve faced banking challenges in the past.

Each time you use your Stash debit card, you earn Stock-Back® rewards—fractional shares of stock in the companies where you shop.

You can also receive your paycheck sooner with early direct deposit, and there are no overdraft fees to worry about.

The account includes access to over 55,000 fee-free ATMs and is managed through the Stash app, which also features investing and money management tools.

The account has no minimum balance requirements, and the monthly service fee can be reduced to $6.99 by signing up for direct deposit.

Additionally, you get features like free mobile banking, online banking with bill pay, and eStatements.

City National Bank also offers a cushion by waiving the first two non-sufficient funds (NSF) fees, helping you stabilize your finances as you get back on track.

Branches can be found in Beckley, Bridgeport, Charleston, Clarksburg, Flatwoods, Gassaway, Montgomery, Morgantown, Ripley, and Sutton, with additional locations available statewide.

The first step, StartFresh First Step, requires a $50 deposit and has a $9.95 monthly fee (or $6.95 with direct deposit) but doesn’t include check writing.

After 12 months in good standing, you can apply for StartFresh Checking, which includes check writing, with the same deposit and fees. After 18 months, you may qualify for a traditional checking account.

Clear Mountain Bank has locations in Bruceton Mills, Bridgeport, Kingwood, Morgantown, Reedsville, Rowlesburg, Sutton, and Terra Alta.

One of their most accessible options is the Flexible Checking account, which requires a minimum opening deposit of $100.

This account comes with no monthly maintenance fees and no minimum balance requirements, making it a cost-effective solution for those looking to get back on track with their finances.

Account holders also benefit from unlimited check writing, a free debit card, and the first 20 checks at no charge.

Branches can be found in Alum Creek, Fort Gay, Hamlin, Huntington, Summersville, and Williamson.

Once approved, you can choose from various checking account options. For those looking to avoid fees, the Keep Your Money account is a great option.

It requires just a $10 minimum deposit and includes a free first debit card and check order. There are no monthly fees, provided you make at least 10 debit card transactions each month and opt for monthly statements.

Hancock County Savings Bank has locations in Chester, New Cumberland, and Weirton.

With an initial deposit of $100 and a low monthly fee of $4.99, this account includes a debit card, unlimited check writing, and no minimum balance requirement.

After maintaining the account in good standing for 12 months, members are eligible to apply for a Regular Checking account.

To qualify for membership, you must live, work, worship, or attend school in Boone, Cabell, Kanawha, Lincoln, Putnam, or Wayne counties.

Branch locations are available in South Charleston and St. Albans, West Virginia.

They offer three different checking options. The United Free Checking account is a straightforward, no-fee option with no minimum balance requirements. A $50 deposit is needed to open the account, making it easy to get started.

United Bank has branches in Beckley, Charleston, Huntington, Martinsburg, Morgantown, Parkersburg, South Charleston, Vienna, Weirton, and Wheeling, with additional locations throughout West Virginia.

To open this account, you need a minimum deposit of $25, making it accessible for most. There’s also a one-time setup fee of $9 at account opening. Afterward, the monthly maintenance fee is $11.95, but you can reduce it to $9.95 by enrolling in direct deposit.

For those who prefer paper statements, there’s a small $3 monthly fee, which can be waived by opting for e-statements.

Branches can be found in Beckley, Elkins, Fairmont, Fayetteville, Hurricane, Logan, Martinsburg, Nitro, and Summersville.