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.
|Renasant Bank||This 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 United||They 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 Union||This bank does not use ChexSystems, but you MUST be eligible for membership to get an account.||Visit|
|TCF Bank||So 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.
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!