Banks That Don’t Use Chexsystems

The Best Banks That Don’t Use Chexsystems
The Best Banks That Don’t Use Chexsystems

Had you recently been denied a checking account? Did the bank contact you to let you know that they have closed your account? If you experienced either of these events, it was most likely due to a ChexSystems report.

Surprisingly, Some banks do not use ChexSystems. These banks offer you a way back into banking, and give you the services you need with acceptance rates that are surprisingly high.

We selected the best banks based on their acceptance rates, features, and the best of the lowest fees.


What Is ChexSystems?

ChexSystems collects information about bank accounts that had problems in the past.

How Does ChexSystems Work?

ChexSystems keeps track of your deposit accounts and creates a report to show your account activities and the reasons for your account closure.


What banks or credit unions do not use ChexSystems?

Navy Federal Credit Union

Navy Federal Credit Union offers checking and savings accounts, including CDs, MMAs, and IRA accounts. Members will have access to credit cards and loans. Credit union offers mobile banking, online banking, and Atms at physical branches.

Motor City Co-op Credit Union

Motor City Co-op Credit Union offers checking and savings accounts. They also get access to a credit card, auto loan, home loan, and student loan through a partnership with Sallie Mae. Services include financial counseling, discounts, auto protection, and more.


The BBVA checking account gets high marks for its price and flexibility. There is no monthly service charge and your account is not required to maintain a minimum balance. FDIC members.

With a BBVA checking account, you can get some freebies. Account holders get free bill pay, free mobile deposits, a free Visa debit card, and unlimited check writing,24/7 customer support, NO ChexSystems – BBVA utlizes EWS.

BBVA uses Early Warning Services (EWS) to screen applicants for things like fraud, forgery, and check kiting. However, it is unlikely that people with bad credit or history of overdrafting will be denied credit.

You must deposit at least $25 to open a checking account with BBVA.



With Chime, a bad credit score doesn’t matter anymore. They offer a bank account and debit card with no credit check.

There are no hidden fees. It will never charge any overdraft fees, monthly maintenance fees, foreign transaction fees, or minimum balance fees.

They offer over 38,000 fee-free and free Visa Plus ATMs.

You can get your paycheck two days earlier with a direct deposit. Chime is definitely one of the best options.

The only bank that comes close to BBVA is Chime.

  • FREE debit card.
  • No monthly fees.
  • No minimums.
  • FREE online and mobile banking.
  • There are no ATM fees with MoneyPass® or Visa Plus.
  • You can round up every purchase to the nearest dollar and automatically deposit the difference into your savings account.



#3. SoFi

Social Finance is an American online personal finance company. SoFi’s suite of financial products includes refinancing student loans, mortgages, investing, personal loans, credit cards, and banking through both mobile and desktop.

SoFi offers a high interest rate on the checking account for customers. If you have at least $500 in your SoFi Money account, you will get a $50 cash bonus.

SoFi approves accounts in minutes without using ChexSystems. You are then sent a SoFi debit Mastercard. The mobile app enables the user to check their bank balance and pay bills. SoFi Money is currently available to all 50 states.


Is SoFi legit?

SoFi is a legitimate money management business. It offers services to help people manage their money, including mortgage loans, insurance, investments.

What credit score do you need for SoFi?


Does using SoFi hurt your credit?

SoFi uses a soft credit pull so that you don’t affect your credit score. Hard credit pulls must be completed if you are pre-approved to proceed with your SoFi product.

How much can I borrow from SoFi?

You must have a minimum of $5,000, and can borrow up to $100,000.The minimum loan amount may be higher in specific states to meet minimum legal requirements.


What Are the ChexSystems Scores?

5 Benefits of Banks That Don’t Use ChexSystems

Non-ChexSystems vs. Second Chance Banking: What’s the Difference?

Can You Dispute ChexSystems?

How to Remove Items from ChexSystems

1. Get a copy of your ChexSystems report

2. Dispute errors 

3. Consider paying any reported debts

4. Ask ChexSystems to update your record

Alternatives to Banks That Don’t Use ChexSystems

Second Chance Checking Accounts 

1. Wells Fargo Opportunity Checking

2. US Bank Safe Debit Account

3. United Bank Gateway Checking

Prepaid Debit Cards