The Best Non-ChexSystems Banks. Guaranteed Approval.
If you were recently denied a bank account, the bank may have told you it was based on a negative ChexSystems report. And since a huge portion of banks and credit unions use ChexSystems, it’s not like you can walk across the street and open a checking account at another bank.
Unfortunately, being on that list lasts for five years and can make opening a simple checking account a nightmare.
Luckily, there are banks that do not use ChexSystems. These Non-ChexSystems Banks offer you a way back into banking and they offer all the services you need and deserve with acceptance rates that are surprisingly high.
We’ve helped thousands of people just like you open non-ChexSystems bank accounts. We’ve selected the best accounts based on acceptance rates, checking account features and benefits, and the accounts with the lowest fees. Best of all, you can open an account TODAY.
Chime is a fast-growing internet-only financial company and our top choice for a second chance bank account.
And, best of all, Chime accepts almost all customers who apply. Even if you have bad or poor credit or have been blacklisted by ChexSystems or the credit bureaus.
Features include mobile deposits, direct deposit, online bill payment, NO monthly or annual fees, NO overdrafts fees1, NO credit check, and NO CheckSystems. Opening an account is super easy. It takes about 2 minutes and you don’t have to make an initial deposit. Here’s what we like:
No Monthly Fees
For the past couple of years, Chime’s huge growth has come at the expense of the big banks and their outrageous fees. And it’s one of the best features of a Chime account. There are no monthly or annual service charges, no minimum balance requirement, no foreign transaction fees, no fees at over 60,000 ATMs2, and no fees for mobile and online bill pay.
Deposit Cash for FREE at Over 8,500 Walgreens
Having access to a physical location for cash deposits is important to Chime members. And now it’s easy. All you have to do is go into a Walgreens store, hand the cashier the cash you want to deposit along with your Chime card, and the deposit will show up in your account immediately. This offers Chime members more walk-in locations than any other bank in the U.S. With over 78% of the country within 5 miles of a Walgreens, this is a significant benefit for millions.3
Unlike big banks, Chime was created during the smartphone era and, therefore, features an app that is more than just a way for customers to review their bank accounts.
You can transfer funds to friends and family, Chime members or not… and they can claim their money instantly4 without any additional apps. The Chime app also has a series of notifications that you can turn on or turn off so you stay in complete control. Misplaced or lost your card? You can instantaneously turn off your card using the app. No wonder over 300,000 customers have given the app a 5-star review.
Chime was one of the first to offer a “round up” option. If you use your Chime card on a purchase of $10.65, Chime gives you the option of automatically rounding up to $11.00 and putting the remaining $.35 in your free Chime savings account. And that adds up over time! Plus, Chime pays 0.50% Annual Percentage Yield (APY)5 in interest on that savings account.
If you use direct deposit with your Chime account, you can get your paycheck up to 2 days early6. And Chime is just saying no to big bank NSF charges with a fee-free overdraft program up to $200. Finally, Chime just recently launched their Credit Builder credit card with no interest and no annual fee. We don’t think there is another company innovating for their customers like Chime.
Chime is a financial technology company, not a bank. Banking services and debit card issued by The Bancorp Bank or Stride Bank, N.A.; Members FDIC.
Current | Earn High Interest
Current is another web-only national bank that has some really great features… and has become one of the fastest-growing checking accounts for consumers who want it all without all the costs and hassles.
Why are we featuring Current on our website? It’s simple: they don’t use ChexSystems or your credit report to open a new account. Sign-up takes about 2 minutes and Current has extremely high acceptance rates. But what’s really cool are the incredible features offered with this account:
NO minimum balance
NO deposit required to open an account
NO overdraft fees when you overdraw by up to $100 with Overdrive™
NO fees at over 40,000 ATMS in the U.S.
Get your paycheck up to 2 days early with direct deposit
Earn 4.0% interest on your balance up to $6,000
Earn points for unlimited cashback at participating retailers
Send money instantly for free
An elegant but simple smartphone app
24/7 member support
Current offers a really unique service it calls Gas Hold Removals. What’s a gas hold? Some gas stations may apply a hold from $50 to $100 when you use a debit card to pump gas. If you only pumped $10 of gas, but the gas station places a $100 hold on your funds, you won’t have access to the $90 difference for up to 3 business days!
The Current debit card will immediately refund the hold so you have access to all your funds. We haven’t found that benefit anywhere in the marketplace.
Here’s what’s really important, though. Deposits are FDIC-insured up to the highest possible amount allowed: $250,000. We love the features, we love the smartphone app, and we love Current. That makes us think you’ll love them too.
Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group and Metropolitan Commercial Bank, Members FDIC.
NorthOne | No ChexSystems Small Business Banking
NorthOne is a fast-growing company built specifically around business banking solutions for freelancers, entrepreneurs, and small business owners. In addition to dramatically streamlining the application process, NorthOne doesn’t check your credit and doesn’t use ChexSystems. Here’s a recap:
FREE business Mastercard debit card
FREE access at over 1,000,000 ATMs nationwide
FREE online and mobile app
FREE live chat (not a chatbot), telephone, or email support
FREE in-app invoice creator
NO minimum monthly balance requirement
NO NSF fees
NO ACH transfer fees
NO credit check or ChexSystems
NorthOne doesn’t require a minimum account balance and charges a $10 monthly fee that includes unlimited transactions in your account. These include ACH payments, bill pay, debit card usage, mobile deposits, and transfers. The only other fee is $15 for wire transfers.
You can also grant read-only access to employees or your accountant or bookkeeper. This keeps your account safe while also giving access to those who need it.
With NorthOne business banking, you can connect your account to an almost unlimited number of third-party apps. NorthOne integrates with business tools including Paypal, Stripe, Square, Etsy, Shopify, Airbnb, Amazon, Venmo, Toast, Uber, Lyft, Quickbooks, FreshBooks, Wave, Expensify, and many more. Through these integrations, you can sync transaction details, collect payments, see and pay invoices, send payroll, pay contractors, and more.
If creating and sending invoices, quotes, and estimates is critical to your business, NorthOne offers a free stand-alone invoice creator that integrates seamlessly with the banking app. We’ve tried it and think it’s an elegant solution.
NorthOne has created a feature that helps you plan for and manage important expense categories. They call these sub-accounts “Envelopes” and you can set up as many as you want. This allows you to set aside funds you know you’ll need in the future such as taxes or payroll. You can set custom rules for your envelopes and easily move money back and forth as needed.
NorthOne targets account approvals within one to two business days. Information required to open an account includes name, address, and social security number or tax identification number. If applicable, NorthOne may ask for a copy of your business license and business formation documents. After you’re approved, you’ll need to make a $50 minimum opening deposit.
NorthOne is one of the most competitive business bank accounts for entrepreneurs and small business owners. Their combination of services and offerings, the fast application process, and customer support create an outsized competitive advantage for both the bank and its customers. Every small business owner understands how critical that is for success.
For many people, having access to a local bank branch is paramount when setting up a checking account. With over 16,000 ATMs and 4,700 branches across the country, the Chase Secure Banking account might be the perfect fit.
Here are some of our favorite features with this account:
NO credit check
NO minimum deposit to open
NO overdraft fees
FREE access to over 16,000 Chase ATMs
FREE Chase Online Bill Pay
FREE money orders and cashier’s checks
Highly Rated Mobile App
Available for iOS and Android, the Chase Mobile app offers 24/7 access to your account. The app is highly rated, earning 4.8 stars out of 5 on the App Store and 4.4 stars out of 5 on Google Play.
You can transfer funds, deposit checks, send money with Zelle, set up account alerts and notifications, and lock your card if it’s been lost or stolen.
The app also has incredibly helpful budgeting tools, personalized insights, and the ability to check your credit score for free.
How The Account Works
Opening the Chase Secure Banking account is easy. They verify your name, address, and social security through Experian, but don’t pull a credit report or credit score. Chase doesn’t use ChexSystems for this account, either. Account approval is immediate, there’s no opening deposit requirement, and you’ll receive your Chase Secure card within a matter of days.
Chase doesn’t offer overdraft services with this account as you can only spend the money you have available and the account does not include paper checks. You should also know that using non-Chase ATMs can cost from $3.00 to $5.00 per transaction.
Chase Secure Banking carries a $4.95 monthly service fee that cannot be waived. But combined with all the free services and the $100 cash bonus when you use the card for 10 purchases within 60 days, the monthly fee doesn’t pose a problem for most customers. And, you’ll have peace of mind with Chase’s Zero Liability Protection if you detect and report unauthorized transactions.
Banking With A Leader
Chase claims to be involved with 40% of Americans in some way or another. There can be comfort in size, reach, and stability. Chase has all of that and the assurance they will be there for a long, long time.
If you’ve wanted to bank with Chase and wondered if you’d qualify, we think you’re going to be really happy with the Chase Secure Banking account.
The SoFi Checking & Savings account is offered by SoFi Bank. It’s a checking and savings account on steroids and we love that. Plus, they don’t use ChexSystems to approve accounts.
You get a debit MasterCard and a very slick smartphone app. You can make deposits, write checks, utilize electronic bill pay, and transfer money. There are no monthly fees or overdraft fees. Plus, you earn interest on all the money in the account! The sign-up process can take less than 60 seconds. With over 2.5 million members, SoFi is a bank you can count on!
The $275 bonus comes in two parts. When you deposit at least $10, SoFi will credit your account $25. When you set up direct deposit from an employer, SoFi will credit your account up to $250 (depending on the amount of your direct deposit) and bump the interest rate you earn to 3.25% APY. The bonus and interest rate are some of the highest we’ve seen.
No account fees
No minimum balance
No overdraft fees
No fees at over 55,000 ATMs
Access to SoFi member benefits like career coaching and financial advising
Automated bill pay
Freeze debit card on-the-go
SoFi Money has been great! The account was easy to open and I got my debit card a few days later. The smartphone app is easy to use and I can check everything from my computer, too. I’ve had some issues with ChexSystems in the past and SoFi Checking & Savings seems to be the perfect account.
Acorns is making a name as a place to invest money for the long term, but what we really like is that they offer both checking and savings accounts. Best of all, Acorns doesn’t use ChexSystems or a credit report to approve accounts! That makes Acorns Spend another of our favorite second chance checking accounts. As a company built to compete with the largest banks, Acorns offers some extraordinary benefits.
We love the heavy metal tungsten Visa debit card and the world-class smartphone app that allows you to manage every aspect of your new checking account such as budgeting, spending, and security.
Another nice option is the ability to round up on every purchase and Acorns will take that money and automatically put it in a savings account. This really helps build a nest egg.
It takes about 2-3 minutes to sign up and not only do you get a checking and savings account, but you also have access to an investment account once you’re ready to consider that. And, it’s free. Here’s more:
FREE Visa® debit card
FREE bank-to-bank transfers
FREE physical check sending online or through the mobile app
FREE mobile check deposits
FREE or reimbursed ATM withdrawals nationwide
NO minimum balance or overdraft fees
NO credit check; ChexSystems OK
There is a $3 monthly fee that is easily covered by the ATM fee reimbursement and other goodies included with the account.
If you’ve struggled with poor credit or ChexSystems, Acorns might be the perfect account.
Wells Fargo recently changed the Opportunity Checking account to Clear Access Banking. And we like one change, in particular. Wells Fargo has done away with overdraft and non-sufficient funds (NSF) fees.
Clear Access Banking is a debit card-only account (no paper checks available) and if you attempt to purchase something without sufficient funds, the transaction will be denied. That’s a lot better than having the transaction approved and then discovering you’ve been hit with a $35 overdraft fee.
There is a $5 monthly fee, but that can be waived for account holders 24 years old and younger. This account is available to residents in all 50 states.
The largest number of branches in the U.S.
Minimum deposit of $25 to open an account
Online bill pay and smartphone app
Mobile check deposit
Includes a Visa debit card
Send and receive money through Zelle
Additional features include account alerts, 24/7 fraud monitoring, and zero liability protection for your debit card
Lili was custom made for freelancers and independent contractors who are operating as sole proprietors and single member LLCs and we really like their offering. Lili aims to approve most accounts within 2-3 days, but some accounts are approved in 2-3 hours.
Lili offers a checking account and Visa debit card with no initial deposit or minimum balance requirement, no hidden fees, no credit check, and no ChexSystems. Lili makes getting your account easy! Here’s more of what we like:
FREE business VISA debit card
FREE (and very user-friendly) mobile app
NO minimum balance
NO NSF charges or fees
NO credit check or ChexSystems
Receive direct deposit funds 2 days earlier than many banks
Mobile check deposit
Unlimited fee-free transactions
Takes 3 minutes to apply
The Lili smartphone app gives you access to tools to manage your expenses and taxes. You assign a category for each expense by swiping left for “life” or personal expenses and right for “work” or business. You can also add receipts to transactions, download quarterly and annual expense reports, and track spending in real-time. Lili will automatically assign an expense category based on the merchant, but allows you to edit the category as needed.
Lili has an optional feature called “buckets” that allows you to set aside money in a savings account. The first of these is called a “Tax Bucket”, where you specify a percentage of your direct deposits you want to be saved for future tax payments. You can easily make adjustments and changes along the way and move the money back and forth from your checking account and tax bucket savings account. That way, you know the money will be there when you need to make tax payments.
The second of these buckets is called the Emergency Savings Bucket. You can automatically transfer at least $1 a day to this savings account to use for any larger purchase or unforeseen expense.
Robust for Most
Lili is best for small business owners who want a no-frills, no cost, no minimum balance bank account. You can run all your business and personal expenses through the account and can easily identify and separate them out for accounting and tax purposes. After your account is set up, you can add a business name or DBA name to the account. And you manage everything from the touch of your smartphone.
But there are some limits, too. Lili doesn’t offer checks and you can’t set up your account with an employer identification number. Depositing cash at Green Dot locations can cost up to $4.95 and mobile check deposits are limited to $6,000 per month.
Lili recently announced a new set of features called Lili Pro. The cost is $9 per month and includes a no-fee overdraft up to $200 on debit card purchases and a robust and unlimited invoicing capability built into the smartphone app. On top of that, users receive 1.50% APY on savings account balances and a more robust expense tracking capability. The Pro version also offers cashback when you make purchases at over 14,000 merchants. If you’re not sure you want to sign up for Lili Pro, get Lili Standard (no cost) and you can upgrade later.
You can set up an account online. If you’re a freelancer, you should receive approval and account access almost instantly. All others (Sole Proprietor, Single-Member LLC, Multi-Member LLC, General Partnership, Limited Liability Partnership, or S Corp) can take a couple of days to get approved. You can fund your account using a mobile check deposit, direct deposit, ACH transfer, or by linking your Venmo, PayPal, or Cash App account.
Lili is open for business. Anyone who is their own boss: a sole proprietor, gigsters (ie. Uber and Lyft drivers), contractors, freelancers, or part-time entrepreneurs – you all qualify! Whether you opt for the fee-free Lili Standard account or the upgraded Lili Pro account, we think you’re going to like the way Lili helps you manage your growing business!
Go Further from GTE Financial helps put you on the path to a better checking account. If you don’t qualify for a traditional account, the Go Further account will help you get there in as little as 12 months. We consider this a low-cost second chance checking. As long as you make a total deposit of $500 for the month, opt to receive eStatements and make 15 monthly transactions, the $9.95 maintenance fee is waived.
GTE Financial is one of the largest credit unions in the US. Membership is open to anyone through easy requirements and an online application process. The Go Further account includes:
Free EMV-equipped debit card with built-in rewards
Online and mobile banking tools
Free bill pay service
Easy money transfers through the Popmoney service
GTE Financial is based in Florida, but anyone in the 50 states can open an account online for free.
No matter your banking past, Navy Federal Credit Union offers traditional checking for all members across the US. With no review requirements of your banking history, NFCU is an excellent choice for active duty or retired US military, family members and government contractors. There are two banking choices to choose from: Active Duty Checking and Free eChecking.
Both account options come with a free NFCU debit card. There is no monthly service fee with direct deposit. Your account is protected from overdrafts with free savings transfers, a checking line of credit or an optional overdraft protection service. You also receive:
Never heard of ChexSystems before today? Don’t worry. You’re far from alone in that. In fact, most people have no idea that the company exists unless they try to open a bank account and find out they’ve been blacklisted by ChexSystems.
Briefly, ChexSystems is a consumer reporting agency (CRA) that tracks your checking and savings account activity.
Essentially, ChexSystems gathers data from almost 90% of banks and credit unions. This data includes personal information such as name and social security on over 300 million checking and savings accounts in the United States.
ChexSystems is in the same category as the large Credit Reporting Agencies (CRAs) such as Experian, TransUnion, and Equifax and their handling of all this highly sensitive data falls under government oversight and regulation.
If your bank reports that you bounced too many checks, not paid your monthly or transaction fees, or even committed fraud, your ChexSystems profile may spell trouble.
Not only may your current bank no longer want to do business, but now every bank and credit union that subscribes to the ChexSystems database will probably deny you an account.
ChexSystems is not responsible for the decision made by banks to deny you a bank account; however, the information reported by banks and credit unions and stored by ChexSystems can result in a denial of a bank account.
The following information may be stored in your ChexSystems report:
Any type of fraud
Unpaid or paid insufficient fund items
Uncollected overdrafts, automatic payments the bank paid, or ATM transactions
Violations of any banking regulations or rules
Abuse of a savings account, debit card, or ATM card
Opening an account using incorrect information
Some No-ChexSystems banks do access other types of record-keeping companies such as Early Warning Services and Telecheck. So if you have negative marks with these companies, you might be rejected for a checking account. However, it’s been our experience that most people in ChexSystems are not in EWS or Telecheck.
It has been shown that having a checking account is an essential part of managing your money on a regular basis. Some studies show that people who do not have a checking account will spend up to nearly 5% of their net income on the fees that payday loan providers, prepaid card companies, and check-cashing companies require from their customers. Simply having a typical checking account may help you save thousands of dollars over your life.
Having a checking account is a fundamental way to improve your financial life. It gives you the opportunity to pay for services and goods and provides access to the latest financial technology, such as Venmo, Google Pay, Apple Pay, Android Pay, Samsung Pay, and PopMoney. When you put all these things together, you can see that acquiring a checking account makes life easier while also saving you money.
A checking account allows you to protect your money since it’s a secure and safe method of paying for items and services. It also makes it much easier to pay expenses and bills without additional fees. A checking account often has technology that makes it simple to track your spending and make adjustments to your financial habits. On top of that, you can use direct deposit with your checking account to get quick and easy access to your paycheck as soon as it is provided by your employer.
If you are listed on ChexSystems, getting a new checking account isn’t as simple as walking into any bank on the street and filling out a few papers. Many banks simply do not do business with anyone with a negative ChexSystems file.
The Solution: A Bank or Credit Union That Doesn’t Use ChexSystems
We’ve done all the hard work for you. We’ve already located 5 national banks that want your business. And none of them use ChexSystems to approve your checking account application. All of them have the basic benefits you need, including:
No minimum balance required
Low or no monthly fee
Ability to write checks
Online and mobile banking
Debit card access
FDIC insured accounts up to $250,000
Access to a large (and most times free) ATM network
Purchases with your bank card carry a zero liability for fraudulent transactions
While there are many banks and credit unions that don’t utilize ChexSystems, they aren’t all the same. There’s no reason to choose an account with a bank that has high fees and a wide range of restrictions. This can make having the checking account a hassle. Many people choose these accounts because they have no idea that other options are available. There are options and you can choose a bank account with all the perks that you want.
When you apply for a no-ChexSystems bank account, you can expect to provide the same information as you would for any other checking account. This includes your social security number or tax ID number. Sometimes the bank will also ask a series of questions to verify you are who you claim to be. Once satisfied, the approval rate on these accounts is enormous. It can be as high as 95%, which lets you have the freedom of enjoying all the perks that a checking account will offer you.
Differences Between Second Chance Bank Accounts and No-ChexSystems Bank Accounts
A lot of people are under the impression that banks that don’t use ChexSystems are the exact same as banks that offer second chance checking accounts. These two terms are often used to describe the same thing, but there are differences between the two that you should be aware of.
If you are listed with ChexSystems and do not have the time or ability to dispute the negative information, it’s important to select a bank that does not use ChexSystems to make decisions during the screening process for getting a checking account.
In addition, some banks will check your credit score when you apply. They may also use EWS to be sure you haven’t engaged in fraudulent activity in the past. Finding a bank that offers everything you want can be hard, but it’s possible.
When you choose a bank with second chance checking accounts, they typically do look at ChexSystems before you are approved. Some of them will also use TeleCheck and EWS. This doesn’t mean you need to be discouraged or avoid opening an account with them, though. In most cases, the bank will open a checking account for you as long as you don’t owe them any money.
Both No-ChexSystems banks and second chance checking banks typically have higher than normal approval rates. On top of that, the best-of-breed of these financial institutions provide you with the same options you would get from a traditional savings or checking account.
When you are looking for the right bank for your new checking account, there are a few things you want to see to make sure the choice you make is convenient for your lifestyle. Some of these things include access to a debit card, a low or no monthly fee, a lack of a required balance, the option to write checks, and both mobile and online banking options.
Choosing Between Prepaid Cards and Payday Loans or a No-ChexSystems Bank Account
If you care about convenience and you want to save your money for the things that matter, the best choice you can make is opening the right No-ChexSystems bank account. When you choose to visit a check-cashing business, use a prepaid debit card, or visit a payday loan location, the fees are going to be higher and the process is going to be more complicated and time-consuming.
As an example, a payday lender is going to have a variety of fees that you have to pay. Even those who make all of their payments on time will have to deal with these. Those who get behind will stack fees and can end up wasting even more money. Experts agree that these kinds of services are negative for customers and should be avoided whenever possible.
When you look at the advantages and disadvantages of the options, it’s pretty clear which solution comes out on top. Choosing to set up a No-ChexSystems bank account with an included debit card is the best choice for nearly all consumers. This option gives you consumer protections with your cards, lets you move money into your account without expensive fees, and lets you spend your money however you feel fit.
The Best Second Chance Banks by State
Most major banks don’t offer No-ChexSystems or second chance checking, but many community banks and credit unions have them under various names, such as Opportunity Checking and Fresh Start Checking.
Our editorial staff regularly updates the list of banks offering no ChexSystems second chance checking in every state. Here’s an overview of these accounts and where you can find them at branches in your area.
Additional Chime Disclaimers:Back to Chime Review
Chime is a financial technology company, not a bank. Banking services and debit card issued by The Bancorp Bank or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.
1Eligibility requirements apply. Overdraft only applies to debit card purchases and cash withdrawals. Limits start at $20 and may be increased up to $200 by Chime. See chime.com/spotme. 2Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM. Cash deposit or other third-party fees may apply. 3Customers are limited to three $1,000 cash deposits at Walgreens each day and $10,000 each month. 4Sometimes instant transfers can be delayed. The recipient must use a valid debit card to claim funds. See your issuing bank’s Deposit Account Agreement for full Pay Friends Transfers details. 5The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of November 17, 2022. No minimum balance required. Must have $0.01 in savings to earn interest. 6Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We 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.