Best Non-ChexSystems Banks of 2017

Best Non-ChexSystems Banks of 2017

Can’t open a checking account because you were rejected by ChexSystems? ChexSystems rejections are quite common, resulting in denials for around 15% of checking account applicants.

That is why there are now banks that do not use ChexSystems. These banks can approve you quickly even if you are listed in ChexSystems, allowing you to get back on track and start enjoying all the conveniences of a checking account right away.

Get My Free Checking Account Today

1. Best Overall ChexSystems-Free Bank Account

BBVA Compass ClearConnect Checking Account

Key Feature: High approval ratio and no monthly fees.

Searching for a ChexSystems-friendly checking account which isn’t going to bleed you dry through fees and monthly service charges? A BBVA Compass ClearConnect Checking Account has got you covered.

You can open a BBVA Compass ClearConnect Checking Account with a minimum balance of just $25. There are no monthly service charges, no ATM withdrawal fees, and you get your own personalized Visa debit card to use for your purchases.

With online banking, you can easily check your bank statements on your laptop or mobile device at any time. You can also monitor your accounts, search through your transactions, pay your bills, transfer money and more.

Get My ChexSystems-Free Bank Account Now

No Monthly Charges

There are no monthly service charges and no fees (so long as you go paperless)

Free ATMs

Withdraw cash for free through any of BBVA’s more than 55,000 AllPoint® and BBVA Compass ATMs

Budgeting with Ease

Need help keeping track of your purchases? BBVA Wallet sends you instant transaction alerts, helping you manage your budget

2. Best Checking Account for Selected States

BBVA ClearChoice Checking Account

Happen to be a resident of Alabama, Arizona, California, Colorado, Florida, New Mexico, or Texas? BBVA ClearChoice Checking Account is an adaptive, richly featured checking account which is only available to residents of these select states.

With a BBVA ClearChoice Checking Account, you can maximize personal control over your financial life. Designed to offer flexibility through advanced customization features, this checking account allows you to add on extra features you might need for just a few dollars a month. Don’t need any bells and whistles? Then forego them along with their associated fees for a streamlined, no-frills account which maximizes your cost savings. You can open this account with a minimum balance of only $25.


Notable Benefits of BBVA ClearChoice Checking:
  • Enjoy the benefits of free online and mobile banking, free online and paper statements, and free customizable alerts. There are also no fees on BBVA Compass ATMs.
  • Personalize your free Visa® debit card with a photo of your choice.
  • Optional features available include a safe deposit box, cashier’s checks, an unlimited supply of standard checks, and a feature which allows fee-free use of ATMs provided by other banks.

3. Best Alternative Checking Account

Republic Bank Checking Builder

BBVA checking accounts are the top recommended choice for ChexSystems-free banking, but a third option worth considering is Republic Bank Checking Builder.

This account is exclusively available to customers in Florida, Indiana, Kentucky, Ohio, and Tennessee, and requires a $50 minimum deposit to open. While there is no minimum balance requirement, there is a $12.95 monthly maintenance fee. If you have direct deposit, the fee drops to just $7.95.

ChexSystems-Free Banks & Credit Unions by State

Looking for more information and additional options available in your area? Select your state from the list below to find out all your options for non-ChexSystems banking.

What Do You Need to Know About Non-ChexSystems Bank Accounts

The following bank accounts 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.

BankAccountWebsite
Renasant BankThis bank serves the states of Mississippi, Alabama, Tennessee, and Georgia. You must apply online if you wish to open an account. They will approve those reported to ChexSystems for personal and business accounts so long as no money is owed to Renasant Bank.Visit
Bank with UnitedThey bank serves customers in Virginia, West Virginia, and Washington D.C. They do not run ChexSystems nor do they request a credit report. All you need to open an account is 1.) two forms of ID, 2.) your SS card, and 3.) something that reflects a current address if the address on your ID does not match your current address.Visit
Navy Federal Credit UnionThis bank does not use ChexSystems, but you MUST be eligible for membership to get an account.Visit
TCF BankSo long as you do not owe TCF Bank money, they should approve you. This institution does not use ChexSystems.Visit

ChexSystems is a consumer credit reporting agency and check verification service which banks reference to help assess customer risk. Many people first find out that they are listed in ChexSystems when they try to open a checking account and find themselves rejected.

If there is a red flag on your name in ChexSystems, there could be a lot of reasons. Sometimes it is something as minor and simple as an overdraft fee that went unpaid too long.

Regardless, disputing ChexSystems and getting your name removed can be quite a time-consuming process, so in the short-term, your best option is to open a non-ChexSystems bank account. That way you can start building up a positive record again.

What are Non-ChexSystems Bank Accounts?

Some banks are aware of how unfair ChexSystems can be, so they offer checking accounts that do not use ChexSystems for verification.

That means that your status with ChexSystems is irrelevant when you apply for these accounts. Most customers are able to qualify quickly and easily.

How to Choose a Non-ChexSystems Bank Account

Not all bank accounts without ChexSystems are equal in terms of the services they offer and the fees that they charge. The best accounts are comparable to standard checking accounts and offer most or all of the same features.

Here is what to look for:

  • Low or no monthly maintenance fees
  • A low balance requirement (or no balance requirement)
  • A broad range of free services
  • Optional paid services to enhance your banking experience
  • Easy upgrade to a regular checking account once you have proven you are a trustworthy customer
  • Overdraft protection is another nice feature you will find with some, but not all, accounts
  • Excellent customer service

Also be aware that if you are listed in Telecheck or Early Warning System (EWS), some banks which do not use ChexSystems may still use these services.

What Account Services Can You Expect From a Bank That Does Not Use ChexSystems?

With a quality non-ChexSystems bank account, you probably will not notice a major difference in terms of the services you can enjoy. Most accounts include the following features:

  • Online banking and bill pay
  • Fee-free ATM use
  • Paper or paperless statements
  • Unlimited check writing
  • Check deposit
  • A debit card to use for purchases online and in person

Are There Fees For Using a Bank Account Without ChexSystems?

That depends entirely on where you decide to bank. With some accounts, yes, there are monthly maintenance fees, and may be other fees as well. But other accounts are fee-free. This is the case with our top two recommended ChexSystems-free bank accounts.

Conclusion

While it is frustrating to discover you are listed in ChexSystems, it does not need to put a damper on your financial life. If you apply for any of our recommended non-ChexSystems accounts, you could be approved quickly. Soon, you will have your new checking account and debit card and be ready to receive payments and make purchases!