The following banks and credit unions offer excellent features and benefits. While we recommend them, they are not our top picks for the simple reason that they are not guaranteed banks. They have however helped a lot of people, and may be able to help you too.
First Education Federal Credit Union
They do use ChexSystems when opening an account. If you are reported on ChexSystems you do not qualify for a checking account, checks, or a debit card; however, you can open a savings account with no ATM card.
Families First Federal Credit Union
If your debt to the reporting bank is paid and there is only one report, you can get an account. Fraud should not be reported.