Banks That Don’t Use ChexSystems in West Virginia

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 4.69% 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 4.30% on their savings and 0.50% 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 4.00% 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.

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.

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.