Banks That Don’t Use ChexSystems in West Virginia

Features & Benefits

• Up to 5.21% APY on savings
• Up to 2% cash back
• No minimum balance requirement
• No monthly fees or overdraft fees

Features & Benefits

• Sign-up bonus up to $300 with qualifying direct deposits
• No monthly fee
• Earn up to 4.60% APY on savings
• Over 55,000 fee-free ATMs

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

Features & Benefits

• Over 14.5 million downloads
• No credit check or ChexSystems
• No minimum opening deposit
• Over 60,000 fee-free¹ ATMs

Features & Benefits

• Up to $300 sign-up bonus with direct deposit
• No minimum balance requirements
• Earn up to 5.00% APY
• Over 30,000 fee-free ATMs

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.

Community Bank and Trust has four different checking accounts available. They are Absolutely Free Checking, Premier 50+ Free Interest Checking, Preferred Free Interest Checking, and Prestige Checking.

The most basic option is Absolutely Free Checking. It requires a $50 minimum deposit. There are no minimum balance requirements or monthly frees.

You also get a free debit card, unlimited checking writing, mobile banking, and free E-statements.

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.

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

United Bank doesn’t use ChexSystems or a credit report to approve applicants. They offer three different checking accounts: United Free Checking, Platinum Checking, or United Rewards Checking.

United Free Checking has no minimum balance requirement and doesn’t charge a monthly fee. You will need a $50 deposit to open your account.

Woodforest offers a second chance bank account to members at over 700 branches in 17 states.

The minimum opening deposit is just $25, and you’ll also have to pay a one-time setup fee of $9.

It also comes with a monthly fee of $11.95. You can get it reduced to $9.95 by enrolling in direct deposit. Another small fee is a paper statement fee of $3 per month. It can be waived completely by signing up for e-statements.