Struggling to open a checking account in West Virginia 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 West Virginia
We’ve compiled a comprehensive list of West Virginia banks and credit unions that allow anyone to open a checking account, regardless of their banking history.
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 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.
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.
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.
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- Washington, DC
- West Virginia