If you have one or more records with ChexSystems, you probably will not get approved for a traditional checking account. However, West Virginia has multiple options to get back into the banking system. Regardless of your banking history, you can still qualify for a checking account, as long as you’re looking at the right banks and credit unions.

What banking options do you have?

One option is finding a bank that doesn’t use ChexSystems as part of the approval process. They might use different monitoring systems, such as EWS, Telecheck, or a credit report. Alternatively, these non-ChexSystems banks may require government-issued ID cards to confirm your identity.

Another avenue is second chance checking. You may find some restrictions on the services you’re offered, and you’ll likely pay a monthly fee, but this can be an effective way to rebuild your history while accessing bank features.

Non-ChexSystems & Second Chance Banks in West Virginia

Check out our complete list of non-ChexSystems banks in West Virginia. We also cover second chance banking options and some great online banking options that allow you to get started today from the comfort of your own home.


Our Top Pick
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on Chime's secure website

With Chime, bad banking history is not an issue. They offer an award-winning financial app, a debit card, and a credit-builder Visa credit card, all with no credit check.

The Chime Spending Account is 100% free and has no monthly fees:

  • no overdraft fees
  • no monthly maintenance fees
  • no foreign transaction fees
  • no minimum balance fees

They’ll even spot you up to $200 on debit card purchases with no overdraft fees.

You can also start building your credit with the Chime Credit Builder Visa Credit Card. It’s a secured credit card with no annual fees, no credit checks, and no interest charges.

Chime has over 60,000 fee-free MoneyPass® and Visa® Plus Alliance ATMs. Plus, you can get your paycheck up to 2 days earlier with direct deposit. You can also deposit cash for free at over 8,500 Walgreens.

You can see why Chime is our #1 choice.

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Clear Mountain Bank

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on Clear Mountain Bank's secure website

Clear Mountain Bank offers StartFresh Banking, a second chance program that offers two steps to rebuilding your financial history. The first is called StartFresh First Step, which provides unlimited debit card transactions but no check writing.

You’ll need a $50 deposit to get started, plus you’ll pay a $9.95 monthly fee. If you enroll in direct deposit, that charge rolls back to $6.95.

After 12 months of keeping your account in good standing, you can apply for StartFresh Checking. The deposit and fees remain the same, but you get to add check writing to your available features. After 18 months with this account in good standing, you can apply for a traditional checking account.

They have locations in Bridgeport, Bruceton Mills, Kingwood, Morgantown, Oakland, Reedsville, Rowlesburg, and Terra Alta.

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Community Trust Bank

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on Community Trust Bank's secure website

Community Trust Bank uses EWS instead of ChexSystems, so you could potentially qualify for a bank account here. There are three personal checking options available: Unlimited Checking, CJB 55+ Club Checking, and Community Trust Flexible Checking.

The Flexible Checking account requires a $100 initial deposit, but no monthly balance requirement and no monthly maintenance fee. You’ll receive a debit card and unlimited check writing, plus your first 20 checks free.

They have branches in Alum Creek, Fort Gay, Hamlin, the Huntington area, and Summersville.

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Hancock County Savings Bank

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on Hancock County Savings Bank's secure website

Rather than ChexSystems, Hancock County Savings utilizes the WatchDOG CIP system to approve account holders. Once you’re approved, there are multiple accounts to choose from, including:

  • Interest Checking
  • Regular Checking
  • Hancock Classic Checking (62+)
  • Student Checking
  • Keep Your Money Checking

To avoid fees, try the Keep Your Money account. It comes with a minimum deposit of just $10, plus you get your first debit card and check order for free.

There’s no monthly fee as long as you make at least 10 debit card transactions each month and receive a monthly statement. They have locations in Chester, New Cumberland, and Weirton.

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West Virginia Federal Credit Union

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on West Virginia FCU's secure website

For second chance checking, try Fresh Start Checking from West Virginia Federal. The initial deposit is $100 but the monthly fee is relatively low at just $4.99.

In addition to a debit card, you also get unlimited check writing with this account. Plus, there’s no monthly balance you need to maintain. After 12 months, you can apply to for Regular Checking.

To become a member, you must reside, work, worship or attend school in Boone, Cabell, Kanawha, Lincoln, Putnam, or Wayne counties.

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United Bank

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on United Bank's secure website

United Bank doesn’t utilize ChexSystems or a credit report for new applications. Their most basic checking account to consider is United Free Checking, which has no monthly fee and no minimum balance required.

In addition to your United Visa check card, you also get e-statements, mobile check deposit, online banking with bill pay, plus your choice of Apple Pay, Android Pay, or Samsung Pay.

There are plenty of United Bank locations throughout West Virginia. Plus, you can manage your entire bank account through mobile banking from anywhere.

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Woodforest National Bank

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on Woodforest's secure website

Second Chance Checking from Woodforest National Bank is a convenient option for West Virginia residents. Most bank branches are located inside a Walmart, making it easy to keep on top of your financial errands.

To qualify for this account, you’ll need a $25 deposit. The monthly fee is $11.95 but it drops to $9.95 if you sign up for direct deposit each month.

You’ll also have to pay a one-time fee of $9 when you first open your account. While there is a $3 monthly paper statement fee, that can be waived by enrolling in e-statements.

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