List of banks that offer second chance checking.
• Marketplace Bank is our new favorite. Reportedly they verify new accounts using your Equifax credit
report instead of ChexSystems — at least for online applications. And no matter what your Equifax report
looks like, you can always open an account should you also buy a $500.00 CD.
• NetBank apparently has seen the light! They now are granting accounts to people regardless of a
negative or two in their ChexSystems record. They do verify new accounts using ChexSystems but
they grant an account to many even if there are negatives filed with ChexSystems. Apparently you can
also use a credit card to make the initial deposit to fund your account. NetBank acquired CompuBank’s
customers recently but hopefully this won’t affect NetBank negatively. Grade: A-.
• RBC Centura (formerly SFNB, Security First Network Bank) uses your BEACON score from your
Equifax credit profile instead of a ChexSystems report for verifying new accounts.
• TD Waterhouse Online Bank went from being our most admired to landing near the last-choice as
they now are refusing accounts. Here’s a tip that apparently still works: Open an IRA account,
which you can do with as little as $50 or less, perhaps. Then, after a week or so, you will be able to open
a checking account with them. As a brokerage customer, you also will be able to avoid the monthly
service charge on the checking account. The regular mutual fund accounts with TD Waterhouse however
have a $1,000 initial deposit requirement. Make sure you understand that your opening deposit may not
come back right away should you be denied an account.
• Frost National Bank has been willing to open an account for those with a negative ChexSystems record
if they can provide a letter from the institution that reported them stating that they owe no money to that
institution. The account is called Frost Direct and comes with a Visa CheckCard.
• USAA reportedly will accomodate those with a negative ChexSystems record.
• nBank.com reportedly verifies new accounts using your Equifax credit report instead of ChexSystems.
Grade: C (preliminary — we need to hear of more experiences good or bad with them!)
• Clarity Bank reportedly verifies new accounts using your Equifax credit report instead of ChexSystems.
Grade: B (preliminary — we need to hear of more experiences good or bad with them!)
• Officials at Wescom Credi t Union claim that they verify all new accounts with ChexSystems however we
hear otherwise. Several people who have negative ChexSystems reports and were unable to open an
account elsewhere found success when trying to open a savings account or a direct-deposit checking
account with Wescom. With a savings account you can use services such as PayPal which use EFT
(Electronic Funds Transfer) and ACH (Automated Clearing House) transactions. As a credit union, those
eligible for membership are employees or their immediate family members who work at any company
from this list of companies. See our Credit Union tips for more information. Deposits and withdrawals can
be made at any Credit Union Service Center location across the country. Let us know whether or not
Wescom was able to accomodate you. Grade: B+.
• Skylight Bank (formerly DBC Financial) offers their $6.95 per-month Stratus Card to anyone who has
Direct Deposit, regardless of their ChexSystems record. Unfortunately there is a $19.95 sign-up fee.
You’ll receive an ATM card for cash withdrawals and debit card transactions. Grade: C- (Since everyone
is approved we would like to give them a higher grade but we cannot due to the high per-month charge.)
They haven’t been impressing the feds lately either.
• Western Union offers their $10 per month Cash Card, which allows you to withdraw at ATMs and
Western Union Agent Locations. Deposits also can be made at these agent locations, as well as by
direct deposit. Grade: C- (because sign-up takes several weeks and because of the high per-month
charge.)
• Bank Caroline considers Equifax in addition to ChexSystems when verifying new accounts. Minor
ChexSystems incidents which have been paid off and minor credit problems don’t seem to hurt your
chances of getting an account. One caution, a single overdraft on this account will cause the ATM/Visa
Check card to be disabled for 30 to 60 days. Grade: B
• American Express Membership B@nking does verify new accounts with ChexSystems as well as
perform a credit check. But a good credit report often will override a negative from your ChexSystems
report. (Incidentally, a good ChexSystems report probably won’t override a bad credit report.) [FYI:
We've had reports that if they do deny your application, they are slow to return your initial deposit -- as
long as four weeks has been reported.] Grade: C (preliminary — we need to hear of more experiences
good or bad with them!)
• Person to person services such as Paypal and Yahoo! PayDirect can be quite useful alternatives to
checking accounts. These services allow you to send payments through e-mail with funds drawn against
your balance with the service or from your credit card. Since these are not traditional checking accounts,
there is no verification with ChexSystems, Telecheck, Equifax, or any other credit reporting network. A
credit card is required to register for Yahoo! PayDirect and PayMe.com, and with PayPal.com, you can
register with a credit card or with either an existing savings or checking account. Additionally, PayPal
announced plans to offer a debit card for providing access to the funds in your PayPal account.
Internet banks to avoid because of their policy of refusing new accounts based solely on ChexSystems data
includes eBank.com, BankDirect.com, USABancshares.com, PCBanker.com, VirtualBank.com, and First Internet
Bank of Indiana. Grade: F (They might be great online banks but we cannot give any of them a passing grade
due to their ChexSystems policy.)
As far as the company Consumer Resources: It is reportedly a scam. Same for FIRS.INFO.
BankRate.com provides a list of Internet Banks. We’d like to hear of your experiences (positive or negative) with
any of them to help us determine which ones to recommend.
If you have the funds, you might want to consider opening a money market fund or brokerage account and get
checking, savings, ATM, and VISA Check Card services with that account. See our Recommendation #15 for
details and lists of where your money is welcome.
State By State Listings
In Alabama, Compass Bank verifies new accounts using TeleCheck instead of ChexSystems.
Fedapostal Federal Credit Union, which has locations in Andalusia and Dothan, does not verify new accounts
with ChexSystems. See our Credit Union tips for more information.
Suntrust Bank (formerly Crestar) reportedly verifies new accounts using Telecheck instead of ChexSystems.
In Arizona, Desert Schools Federal Credit Union has some branch locations which use Equifax instead of
ChexSystems to verify new accounts. At the branch locations which use Equifax, your credit will determine what
type of account you are eligible for. At the branch locations which use ChexSystems, you might try requesting a
savings-only account instead as aparently Equifax is used for savings-only account verifications. With a savings
account you can use services such as PayPal which use EFT (Electronic Funds Transfer) and ACH (Automated
Clearing House) transactions. If you learn which branches use which agency, let us know so that we can post
that information here. See our Credit Union tips for more information.
Compass Bank which bought Arizona Bank) verifies new accounts using TeleCheck instead of ChexSystems.
DM Federal Credit Union with branch locations in Phoenix and Tucson was reported as to be not using
ChexSystems. See our Credit Union tips for more information.
Arizona Federal Credit Union with branch locations in and around Phoenix and Tucson was reported as to be not
using ChexSystems when you open a savings/ATM-only account. With a savings account you can use services
such as PayPal which use EFT (Electronic Funds Transfer) and ACH (Automated Clearing House) transactions.
See our Credit Union tips for more information.
The Armed Forces Bank serves military and civilian customers, and appears to be willing to accomodate some
people with a negative ChexSystems record. Branch locations can be found at Fort Huachuca, Luke AFB, and
Yuma and also out-of-state.
In Arkansas, Superior Federal does use ChexSystems, but reportedly will accomodate those with a negative in
their ChexSystems record. The Baseline Road branch location is more strict than their others, however.
In Little Rock, Member Service Federal Credit Union apparently does not use ChexSystems in verifying new
accounts. See our Credit Union tips for more information.
United Arkansas Federal Credit Union (501) 565-8500, apparently does not use ChexSystems. See our Credit
Union tips for more information.
Arvest Bank reportedly will consider those with a negative ChexSystems record on a case-by-case basis.
Bank of the Ozarks reportedly will overlook a negative ChexSystems record. May not be all branches that do this
though, so let us know which ones do and which ones don’t.
The Bank Of America branch locations in the Hot Springs area supposedly still use the practices from their
previous lives as non-B Of A banks, and thus are not yet verifying new accounts through ChexSystems.
In California, Technology Credit Union in Mountain View, Milpitas, San Jose, and Sunnyvale reportedly will
overlook negatives in your ChexSystems record as long as you have a letter from the reporting bank or other
proof that “all items owed have been paid”. See our Credit Union tips for more information.
Golden1 Credit Union has branch locations throughout the state and reportedly is willing to overlook a negative
incident listed with ChexSystems. As a credit union, you must be eligible for membership — but anyone who lives
or works in one of these counties or works at one of these companies is eligible. See our Credit Union tips for
more information.
Bay Cities Federal Credit Union, in San Leandro and Hayward reportedly will only look at the past two years of
your ChexSystems history. Additionally, they will grant savings-only accounts regardless of what your
ChexSystems record looks like. With a savings account you can use services such as PayPal which use EFT
(Electronic Funds Transfer) and ACH (Automated Clearing House) transactions. Call (510) 881-8866 for
directions to either location.
San Mateo Credit Union will open a savings account regardless of your regardless of their ChexSystems record.
As a credit union, you must be eligible for membership — but anyone who lives, works or worships in San Mateo
County qualifies. See our Credit Union tips for more information. With a savings account you can use services
such as PayPal which use EFT (Electronic Funds Transfer) and ACH (Automated Clearing House) transactions.
The Bank Of Santa Clara even wrote us insisting that they do use ChexSystems and will not open accounts for
those with a negative however there apparently are several sympathetic account reps who will open an account
for you as long as you can show that the incident has been paid up.
San Francisco Federal Credit Union will reportedly grant a savings-only account to anyone, regardless of their
ChexSystems history. As a credit union, you must be eligible for membership to join — but apparently anyone
who lives, works or worships in San Francisco qualifies. See our Credit Union tips for more information. With a
savings account you can use services such as PayPal which use EFT (Electronic Funds Transfer) and ACH
(Automated Clearing House) transactions.
Safeway Select Bank, which has branch locations in San Jose, Modesto and Gilroy, reportedly is accomodating
to those with a negative ChexSystems record.
Some branches of US Bank might open an account for you if the incident reported is more than one year old,
was not reported by one of their banks, and you have proof that you paid the incident. They can be reached at 1-
800-872-2657. The branch locations in Downey, Bellflower, Walnut Creek and Modesto have accomodated
people with a negative in their ChexSystems record. Perhaps this criteria will work at other US Bank locations.
Please let us know!
Broadway Federal Bank, has eight branch locations in Los Angeles and will reportedly open a savings-only
account for you as long as you can show proof that the incident with ChexSystems has been paid. With a
savings account you can use services such as PayPal which use EFT (Electronic Funds Transfer) and ACH
(Automated Clearing House) transactions.
Union Bank of California reportedly offers savings accounts regardless of your ChexSystems history. With a
savings account you can use services such as PayPal which use EFT (Electronic Funds Transfer) and ACH
(Automated Clearing House) transactions. Additionally, applications filed online from their website are often
approved for a checking account even though the same applicant would be denied at a walk-in branch.
Bank of America reportedly has changed their ChexSystems policies and are much more accomodating now.
Downey Savings reportedly will ignore any incident on your ChexSystems record that are more than three years
old.
In Northridge, Matadors Federal Credit Union will open savings-only accounts regardless of your ChexSystems
record. Their membership eligibility includes students and faculty of CSU Northridge. With a savings account you
can use services such as PayPal which use EFT (Electronic Funds Transfer) and ACH (Automated Clearing
House) transactions. See our Credit Union tips for more information.
First Entertainment Credit Union serves employees and their families of the entertainment industry. The list of
member employers totals 600 different companies. See our Credit Union tips for more information. This
institution will grant ATM Savings Accounts for consumers with a negative ChexSystems record but requires
written proof that the incident has been paid up and then also charges $4.50 per month for the account. With a
savings account you can use services such as PayPal which use EFT (Electronic Funds Transfer) and ACH
(Automated Clearing House) transactions. Branch locations in Burbank, Hollywood, Santa Monica and Culver
City.
WestOne Federa l Credi t Union in Pleasonton and Concord will accomodate those with a negative in their
ChexSystems record. See our Credit Union tips for more information.
Wescom Credi t Union officials claim that they verify all new accounts with ChexSystems however we hear
otherwise. Several people who have negative ChexSystems reports and were unable to open an account
elsewhere found success when trying to open a savings account or a direct-deposit checking account with
Wescom. (The Tustin branch is reported to be strict, however.) With a savings account you can use services
such as PayPal which use EFT (Electronic Funds Transfer) and ACH (Automated Clearing House) transactions.
As a credit union, membership is limited to residence in Los Angeles, Orange, or San Bernadino counties and to
employees and their families of any of these employers. See our Credit Union tips for more information. Deposits
and withdrawals can be made at any Credit Union Service Center location across the country. Let us know
whether or not Wescom was able to accomodate you.
In downtown San Bernardino is reportedly a renegade branch of Washington Mutual where our tipster says they
are overriding ChexSystems when an incident is more than a year old and you have a letter from the reporting
bank or other proof that “all items owed have been paid.”
The March Community Credit Union in Moreno Valley will allow those with a ChexSystems record to open
savings-only accounts. With a savings account you can use services such as PayPal which use EFT
(Electronic Funds Transfer) and ACH (Automated Clearing House) transactions. See our Credit Union tips for
more information.
The Orange County Teachers Federal Credit Union will allow savings-only accounts regardless of what is in your
ChexSystems report. With a savings account you can use services such as PayPal which use EFT (Electronic
Funds Transfer) and ACH (Automated Clearing House) transactions. See our Credit Union tips for more
information.
The California Credit Union (formerly known as Teachers Credit Union) offers to those who don’t qualify for
standard account a special savings account. With a savings account you can use services such as PayPal which
use EFT (Electronic Funds Transfer) and ACH (Automated Clearing House) transactions. The savings account
requires a $500 minimum deposit however after six months you can open a checking account.
Orange County Federal Credit Union does verify new accounts but some branch locations (the Lake Forest
branch, for example) is willing to consider your application on a case-by-case basis.
Also in Orange County, the Family 1 Federal Credit Union verifies new accounts using TeleCheck instead of
ChexSystems, and can grant accounts to anyone who lives or works in Placentia, or to anyone who worships at
one of the community’s many churches. See our Credit Union tips for more information.
California Bank & Trust appears to be trying. We’ve received reports that if you can show that all incidents have
been paid and can convince them that you don’t plan on abusing your checking account with them, then they will
make an exception to their ChexSystems policy and will grant you an account. Please let us know which branch
locations are good and which ones aren’t.
Hacienda Heights, Crenshaw, Pomona, Torrance-Del Amo, Gardena, Costa Mesa, La Palma, Long Beach,
Oxnard, Alpine, Carlsbad, Temecula, Kearney Mesa, Vista, and La Jolla have all been reported as good.
Mountain View, Hacienda Heights and downtown Los Angeles were reported as bad.
First Bank & Trust in Irvine reportedly is willing to overlook a negative in your ChexSystems report. Call
(949) 551-6828 for directions. There are other FB&T locations throughout Orange County and other parts of
California. Please let us know if any of the others are also accomodating.
IndyMac Bank in Covina apparently will open an account for those with a negative ChexSystems record as long
as the incident is marked as “all amounts owed have been paid” or you have proof that the incident has been
paid up.
The North Island Financial Credit Union has branch locations throughout San Diego and has reportedly been
willing to overlook negatives found in ChexSystems reports.
Capital Bank of North County has two branch locations, in Carlsbad, which use Telecheck instead of
ChexSystems when verifying new accounts. This is not true at the other branch locations however.
In Stockton, the Delta Valley Credit Union can be reached by phone at (210) 465-8059 and does not verify new
accounts with ChexSystems. As a credit union, those eligible for membership are employees or their immediate
family members who work at a member company. See our Credit Union tips for more information.
In Sacramento County, Heritage Community Credit Union (formerly Mather FCU) will grant savings-only
accounts regardless of your ChexSystems history and will allow it to be converted to a checking account account
if after six months you had no problems. With a savings account you can use services such as PayPal which use
EFT (Electronic Funds Transfer) and ACH (Automated Clearing House) transactions.
The Armed Forces Bank serves military and civilian customers, and appears to be willing to accomodate some
people with a negative ChexSystems record. Branch locations can be found at Edwards AFB, Travis AFB, and
Fort Irwin and also out-of-state.
Fort Sill National Bank has branch locations in San Diego, Oceanside, and at the Marine Corps AGCC in
TwentyNine Palms. Reportedly either they don’t use ChexSystems or are willing to open accounts whether or not
there are negatives on file. http://www.safewayselectbank.com/
You could be eligible for an account at the Navy Federal Credit Union if you or a family member (a spouse,
parent, grandparent, sibling, child, or grandchild) works for, is in, or has retired from the Navy, Marine Corps, or
the U.S. Coast Guard. See our Credit Union tips for more information. They have branch locations in San Diego,
Westminster, and Monterey.
In Colorado, there are many banks and credit unions which use an alternate verification company known as
Colorado Cheque Connection. This company does operate quite similar to ChexSystems but since they don’t
share data, you might be able to take advantage of this difference. Colorado Cheque Connection can be
reached by phone at (303) 595-3022.
First United Bank has branch locations in and around Denver and Colorado Springs. They use Colorado
Cheque Connection instead of ChexSystems when verifying new accounts.
The Bank of Denver has three branch locations in Denver. They use Colorado Cheque Connection instead of
ChexSystems when verifying new accounts. Call (303) 572-360 for the branch location nearest you.
Equitable Savings & Loan has branch locations in Fort Collins, Fort Morgan, Sterling, Burlington, and
surrounding communities. They do not use ChexSystems nor do they run a credit report. The minimum opening
balance is $50.
The Credit Union of Denver has two branch locations in Lakewood and one in Denver. As a credit union they
have membership eligibility requirements. See our Credit Union tips for more information. They use Colorado
Cheque Connection instead of ChexSystems when verifying new accounts. Strange enough, this bank appears
on this list as well as appearing in our Hall Of Shame. They are there because they will not allow you even a
Savings account if you have a negative record with Colorado Cheque Connection. With a savings account you
can use services such as PayPal which use EFT (Electronic Funds Transfer) and ACH (Automated Clearing
House) transactions.
The University of Colorado Federal Credit Union has branch locations in Denver and Boulder. As a credit union,
those eligible for membership are employees or their immediate family members who work or study at the U of C
or work at any company from this list of companies. See our Credit Union tips for more information. They use
Colorado Cheque Connection instead of ChexSystems when verifying new accounts.
Denver Postal Credit Union has branch locations in Denver, Aurora and Arvada. They use Colorado Cheque
Connection instead of ChexSystems when verifying new accounts. See our Credit Union tips for more
information.
Valley Bank and Trust has nine branch locations and reportedly either does not verify new accounts with
ChexSystems or is willing to accomodate some whose ChexSystems records shows a negative or two.
Commercial Federal Bank reportedly either does not verify new accounts with ChexSystems or is willing to
accomodate some whose ChexSystems records shows a negative or two.
Community First National Bank has branch locations throughout the state and reportedly is willing to
accomodate some whose ChexSystems records shows a negative or two.
The First National Bank in Trinidad reportedly is willing to accomodate some whose ChexSystems records
shows a negative or two.
The Armed Forces Bank serves military and civilian customers, and appears to be willing to accomodate some
people with a negative ChexSystems record. Branch locations can be found at Fort Carson and at the USAF
Academy and also out-of-state.
In Connecticut, the Savings Institute reportedly is verifying new accounts using NCPS which an alternate to
ChexSystems but sometimes is willing to accomodate some with a negative record.
Valley Bank in Bristol, (860) 582-8868, reportedly either does not use ChexSystems or is at least willing to
consider accomodating those with a negative incident on their ChexSystems record.
You could be eligible for an account at the Navy Federal Credit Union if you or a family member (a spouse,
parent, grandparent, sibling, child, or grandchild) works for, is in, or has retired from the Navy, Marine Corps, or
the U.S. Coast Guard. See our Credit Union tips for more information. They have branch locations in Groton and
New London.
In the District of Columbia, Suntrust Bank (formerly Crestar) reportedly verifies new accounts using Telecheck
instead of ChexSystems.
You could be eligible for an account at the Navy Federal Credit Union if you or a family member (a spouse,
parent, grandparent, sibling, child, or grandchild) works for, is in, or has retired from the Navy, Marine Corps, or
the U.S. Coast Guard. See our Credit Union tips for more information. They have two branch locations in D.C.
In Deleware, Fort Sill National Bank has branch locations at the Dover AFB. Reportedly either they don’t use
ChexSystems or are willing to open accounts whether or not there are negatives on file.
In Florida, Fidelity Federal branch locations in and around Palm Beach only confirms with ChexSystems that
you have no unpaid NSFs.
Gold Coast Federal Credit Union has branch locations in and around West Palm Beach and is friendly as long as
you have documentation showing that all amounts owed have been paid. See our Credit Union tips for more
information.
Marketplace Bank has locations throughout the state in select Winn-Dixie stores, reportedly verifies new
accounts using your Equifax credit report instead of ChexSystems.
Peoples Credit Union, with branch locations in North Miami and Pembroke Pines, will ignore ChexSystems
information when you open a savings-only account. With a savings account you can use services such as
PayPal which use EFT (Electronic Funds Transfer) and ACH (Automated Clearing House) transactions. Often,
you can then open a checking account shortly thereafter. See our Credit Union tips for more information.
Compass Bank verifies new accounts using TeleCheck instead of ChexSystems.
Fedapostal Federal Credit Union in Marianna does not verify new accounts with ChexSystems. See our Credit
Union tips for more information.
Some branch locations of Bank United were reported to be not using ChexSystems when verifying new
accounts. The branch locations in Coral Springs and Lake Worth do use ChexSytems, but perhaps others do
not. If you can confirm which other branch locations do and which ones don’t, we would appreciate it! (Note – in
August 2000, Washington Mutual announced it will buy Bank United, so this may all change.)
CityNational Bank with branch locations in and around Miami, Ft. Lauderdale, and Palm Beach, relies on your
credit report check rather than using ChexSystems. Having proof that any incidents have been paid apparently
helps your chances.
University Credit Union, with membership available to students and faculty and their immediate family members
who study at or work for the University of Miami and Florida International University. See our Credit Union tips for
more information.
GTE Federal Credit Union has branch locations in Tampa and the surrounding communities and will grant
accounts even though there are negatives in your ChexSystems record, although two years must have passed
since any incidents were filed and you must also deposit $200 in your savings account, so in-effect you have
your own self-funded overdraft protection program.
In Pensacola, the Florida State Employees Federal Credit Union, (850) 474-1400, apparently does not check
with ChexSystems when verifying new accounts. See our Credit Union tips for more information.
Also in Pensacola, Members First Credit Union of Florida offers a Second Chance Checking program. We are
not too impressed with the hefty $12 per month service charge, but compared to not being able to get an
account — that will do! See our Credit Union tips for more information.
Provident Bank has seven branch locations in and around Sarasota and Sun City. They have a branch location
in Ohio that does not use ChexSystems in verifying new accounts so we are looking for confirmation that their
Florida branch locations operate the same way.
We received a note saying that the Fifth Third Bank in a different state does not verify with ChexSystems for new
accounts. We’ld like some confirmation that the branch locations in Florida also do not verify with ChexSystems.
Be careful, however — this bank has closed active accounts in good standing based on ChexSystems info.
1st National Bank of Homestead, with six branch locations either does not use ChexSystems or is willing to
consider those with a negative in their ChexSystems record. At the Kendale Lakes branch ask for Maria for
assistance.
Just North of Orlando is the Maitland Branch Location for Washington Mutual, and apparently the manager there
is willing to discuss with you your situation and sometimes will grant an account.
You could be eligible for an account at the Navy Federal Credit Union if you or a family member (a spouse,
parent, grandparent, sibling, child, or grandchild) works for, is in, or has retired from the Navy, Marine Corps, or
the U.S. Coast Guard. See our Credit Union tips for more information. They have branch locations in Miami,
Orlando, Jacksonville, Mayport, and Pensacola.
In Georgia, Suntrust Bank (formerly Crestar) occasionally will grant an account even to those who are on
ChexSystems — we’re not sure what their criteria for this is. Also, they will soon be offering a “second-chance”
program named RightStart.
Additionally in Georgia, the Excel Federal Credit Union in Norcross verifies new accounts using TeleCheck
instead of ChexSystems. See our Credit Union tips for more information.
Columbus Bank & Trust will let a good credit report override a negative in a ChexSystems report.
You could be eligible for an account at the Navy Federal Credit Union if you or a family member (a spouse,
parent, grandparent, sibling, child, or grandchild) works for, is in, or has retired from the Navy, Marine Corps, or
the U.S. Coast Guard. See our Credit Union tips for more information. They have branch locations in Athens,
Kings Bay, and St. Mary’s.
In Hawaii, consider the Navy Federal Credit Union. You could be eligible for an account if you or a family
member (a spouse, parent, grandparent, sibling, child, or grandchild) works for, is in, or has retired from the
Navy, Marine Corps, or the U.S. Coast Guard. See our Credit Union tips for more information. They have branch
locations in Kailua and Pearl Harbor.
In Idaho, Sterling Savings Bank evaluates Equifax in addition to ChexSystems when validating new applicants,
and good credit might allow an applicant with a negative to slide on through.
In Illinois, TCF National Bank has some branch locations (including all branch locations at the Jewel Osco
stores) that don’t use ChexSystems at all, we’re told. If you learn of any other branches where this
happens, let us know! Also, be aware of their “funds availability” policy for new accounts. You most likely aren’t
going to have access to your money until two weeks after your first deposit.
Security Bank in Naperville was reported to use your credit score instead of your ChexSystems report. The
branch locations can be reached by calling (630)357-1100.
Catlin Bank (First National Bank of Catlin) doesn’t verify new accounts with ChexSystem nor with any other
credit reporting agency.
Hebron State Bank reported does not use ChexSystems or is willing to overlook a negative report. They can be
reached at (815) 648-2481
National City Bank does verify new accounts with ChexSystems but appears to be willing to accomodate some
people who have a negative ChexSystems record.
Hawthorn Bank in Mundelein reportedly runs a credit report instead of a ChexSystems report when verifying new
accounts.
The Armed Forces Bank serves military and civilian customers, and appears to be willing to accomodate some
people with a negative ChexSystems record. Branch locations can be found at the Great Lakes Training Centers
and also out-of-state.
You could be eligible for an account at the Navy Federal Credit Union if you or a family member (a spouse,
parent, grandparent, sibling, child, or grandchild) works for, is in, or has retired from the Navy, Marine Corps, or
the U.S. Coast Guard. See our Credit Union tips for more information. They have one branch location in
Waukegan.
In Indiana, consider Fifth Third Bank. We received a note saying that the locations of this bank in a different
state do not verify with ChexSystems for new accounts. We’ld like some confirmation that the branch locations in
Indiana also do not verify with ChexSystems. For example, the Bloomington branch does verify using
ChexSystems so that is a branch to avoid. Be careful, however — this bank has closed active accounts in good
standing based on ChexSystems info.
National City Bank, Community Choice Federal Credit Union, (317) 633-3100, Forum Credit Union, Union
Federal Bank, and Union Planters Bank all offer “Second Chance” accounts after completion of a “Get Checking”
course. Interestingly though, ChexSystems helped put together the class. Hopefully they are not profiting from it
as that would signal a conflict of interest.
In Iowa, the First State Bank of Colfax reportedly does not use ChexSystems.
Banks named Farmers and Merchants, including: Farmers and Merchants Bank and Trust and Farmers and
Merchants Savings Banks reportedly will override a negative ChexSystems record given that you have a letter
from the reporting bank stating that “all amounts owed have been paid”. Locations in Cedar Rapids, Marion,
Hiawatha, and Alburnett.
Waukee State Bank reportedly will not verify new accounts with ChexSystems.
In Kansas, Metcalf Bank has five branch locations in the Kansas City metro area, can be reached at (913) 648-
4540, and verifies new accounts using TeleCheck instead of ChexSystems.
The Armed Forces Bank serves military and civilian customers, and appears to be willing to accomodate some
people with a negative ChexSystems record. Branch locations can be found in Leavenworth and at Fort
Leavenworth and also out-of-state.
In Kentucky, Provident Bank has eight branch locations. They have a branch location in Ohio that does not use
ChexSystems in verifying new accounts so we are looking for confirmation that their Kentucky branch locations
operate the same way.
River City Bank apparently use a credit report instead of ChexSystems when verifying new accounts. Call their
Louisville branch at (502) 454-7900 for the branch location nearest you.
We received a note saying that the Fifth Third Bank in a different state does not verify with ChexSystems for new
accounts. We’ld like some confirmation that the branch locations in Kentucky also do not verify with
ChexSystems. Be careful, however — this bank has closed active accounts in good standing based on
ChexSystems info.
Owensboro National Bank will open a Savings-Only account for those who have negatives in their ChexSystems
record. With a savings account you can use services such as PayPal which use EFT (Electronic Funds Transfer)
and ACH (Automated Clearing House) transactions.
National City Bank does verify new accounts with ChexSystems but appears to be willing to accomodate some
people who have a negative ChexSystems record.
The Armed Forces Bank serves military and civilian customers, and appears to be willing to accomodate some
people with a negative ChexSystems record. Branch locations can be found at Fort Knox and also out-of-state.
In Louisiana, City Bank has five branch locations in Shreveport and they verify new accounts using TeleCheck
instead of ChexSystems.
The Louisiana branches of Union Planters Bank reportedly are not using ChexSystems for verifying new
accounts. Branches of this bank in other states might not either, just that we have no information either
way at this point.
Whitney National Bank does use ChexSystems but has been willing to review applicants on a case-bycase
basis. Call (225) 381-0840 for the branch location nearest you.
Metro Bank verifies new accounts using Telecheck instead of ChexSystems. They have three locations in
Meraux, Kenner, and Metarie.
CSE Federal Credit Union reportedly offer a savings/ATM for those who might not qualify for checking. See our
Credit Union tips for more information.
You could be eligible for an account at the Navy Federal Credit Union if you or a family member (a spouse,
parent, grandparent, sibling, child, or grandchild) works for, is in, or has retired from the Navy, Marine Corps, or
the U.S. Coast Guard. See our Credit Union tips for more information. They have two branch locations in New
Orleans.
In Maryland, Suntrust Bank (formerly Crestar) reportedly verifies new accounts using Telecheck instead of
ChexSystems.
Provident Bank of Maryland reportedly will not reject an applicant based on ChexSystems data. This is a new tip
so let us know if this works.
You could be eligible for an account at the Navy Federal Credit Union if you or a family member (a spouse,
parent, grandparent, sibling, child, or grandchild) works for, is in, or has retired from the Navy, Marine Corps, or
the U.S. Coast Guard. See our Credit Union tips for more information. They have branch locations throughout
the state.
In Maine, The Bank Of New Hampshire apparently has some Maine branch locations, and uses NCPS instead
of ChexSystems.
Medical Services Federal Credit Union does not verify new accounts with ChexSystems. See our Credit Union
tips for more information.
In Massachusetts, Charter One (formerly Albank) will open an account for you even if you have a negative in
your ChexSystems report. Apparently they usually don’t verify with ChexSystems, but even if they do they will
grant an account as long as ChexSystems shows that all items owed have been paid or you can provide proof
that the account has been paid in full.
The Bank Of New Hampshire apparently has some Massachusetts branch locations, and uses NCPS instead of
ChexSystems.
In Michigan, Charter One Bank has branch locations in Michigan and although they do check with
ChexSystems, if the incident is marked as “All amounts owed have been paid” or you can prove that the incident
has been paid in full, then they will let you open an account.
National City Bank does verify new accounts with ChexSystems but appears to be willing to accomodate some
people who have a negative ChexSystems record.
Credit Union ONE is reported to be accomodating to those with a negative ChexSystems record. See our Credit
Union tips for more information.
In Minnesota, apparently at some branch locations of TCF National Bank, some account reps are eager to open
new accounts and will skip the ChexSystems verification process. If you learn which branches this happens at,
please post on the ChexVictims.com website! For instance, the TCFs at Cub Foods at the Midway shopping
center in St. Paul, and in Edina, were both reported to be good branches. Also, be aware of their “funds
availability” policy for new accounts. You most likely aren’t going to have access to your money until two weeks
after your first deposit.
Norwest Bank offers a “second chance” money management class at their branch locations in another state and
then grant an account after completion of the class. We’ld like to hear if this option is available at Minnesota
branch locations also!
Firstar Bank offers Federal ETA accounts for those who receive a federal government paycheck, benefit or
retirement.
Marquette Bank does use ChexSystems but will often grant an account for those with a negative as long as the
incident was more than three years ago and either your report shows the “all items owed have been paid” flag or
you can prove that the balance was paid off.
In Missouri Arvest Bank reportedly either does not use ChexSystems, or is at least willing to consider those with
a negative ChexSystems record on a case-by-case basis. Please let us know if this is true.
St. Johns Bank and Trust does verify new accounts through ChexSystems but reportedly will overlook a negative
as long as you have proof that “all amounts owed have been paid”.
The Armed Forces Bank serves military and civilian customers, and appears to be willing to accomodate some
people with a negative ChexSystems record. Branch locations can be found at Fort Leonard and also out-ofstate.
In Nevada, First Entertainment Credit Union serves employees and their families of the entertainment industry.
The list of member employers totals 600 different companies. See our Credit Union tips for more information.
This institution will grant ATM Savings Accounts for consumers with a negative ChexSystems record but requires
written proof that the incident has been paid up and then also charges $4.50 per month for the account. With a
savings account you can use services such as PayPal which use EFT (Electronic Funds Transfer) and ACH
(Automated Clearing House) transactions. There is one branch location in Las Vegas.
Nevada State Bank apparently has a program where you can take an hour-long credit counseling class (fee of
$10) and then will qualify for a “Fresh Start Checking Account”, assuming the debt to the reporting bank has
been paid off. There is a recurring $5 per month fee on the account, keep in mind.
Safeway Select Bank, which has branch locations in Las Vegas and Henderson, reportedly is accomodating to
those with a negative ChexSystems record.
The Armed Forces Bank serves military and civilian customers, and appears to be willing to accomodate some
people with a negative ChexSystems record. Branch locations can be found at Nellis AFB and also out-of-state.
In New Jersey, ABCO Public Employees Federal Credit Union on the campus of Rider University in
Lawrenceville verifies new accounts using a Experian report instead of a ChexSystems report. Their phone
number is (609) 896-5300.
Bank of New York was reported by some to be good as far as overlooking ChexSystems but others report them
as bad. So we just wanted to make sure to list them as a place to at least consider trying but don’t hold your
breath.
The Armed Forces Bank serves military and civilian customers, and appears to be willing to accomodate some
people with a negative ChexSystems record. Branch locations can be found at McGuire AFB, Fort Dix and also
out-of-state.
You could be eligible for an account at the Navy Federal Credit Union if you or a family member (a spouse,
parent, grandparent, sibling, child, or grandchild) works for, is in, or has retired from the Navy, Marine Corps, or
the U.S. Coast Guard. See our Credit Union tips for more information. They have branch locations in Earle and
Cherry Hill.
In New Hampshire, The Bank Of New Hampshire uses NCPS instead of ChexSystems.
In New Mexico, New Mexico Educators Federal Credit Union in and around Albuquerque will allow savings-only
accounts regardless of your ChexSystems record, which can be converted to checking after a year of good
behavior. With a savings account you can use services such as PayPal which use EFT (Electronic Funds
Transfer) and ACH (Automated Clearing House) transactions. See our Credit Union tips for more information.
In New York, Charter One (formerly Albank) has branch locations in upstate New York, and will open an account
for you even if you have a negative in your ChexSystems report. Apparently they usually don’t verify with
ChexSystems, but even if they do they will grant an account as long as ChexSystems shows that all items owed
have been paid or you can provide proof that the account has been paid in full.
Columbia-Barnard Federal Credit Union on the campus of Columbia University in New York City offers
membership to faculty, staff, students and alumni and their relatives. See our Credit Union tips for more
information. They are reportedly friendly to those of us in Chex Hell providing that you can prove that you are
paid up on the offending incident.
Bank of New York was reported by some to be good as far as overlooking ChexSystems but other reported them
as bad. So we just wanted to make sure to list them as a place to at least consider trying but don’t hold your
breath.
Bank Of New Hampshire apparently has some New York branch locations, and uses NCPS instead of
ChexSystems.
Cross County Federal Savings Bank which is local to Queens and Brooklyn, will let you open a savings-only
account. With a savings account you can use services such as PayPal which use EFT (Electronic Funds
Transfer) and ACH (Automated Clearing House) transactions. Additionally, if the account is in good standing after
six months, they will add full checking privilegs to the account.
Tompkins County Trust Company reportedly will open accounts regardless of your ChexSystems record. Asking
for a debit card though is asking for closer scrutiny.
Cayuga Bank (formerly Homestead Savings), in Utica, Rome, Clinton, and Waterville, apparently does not use
ChexSystems when verifying new accounts. Call (315) 797-1350 for the number for any of the branch locations.
Herkimer County Trust withn branch locations in Oneida and Herkimer counties, was reported as a bank to
consider.
Ticonderoga Federal Credit Union can be reached at (518) 585-6725 and grants accounts to those who live
within a 70 mile radius. See our Credit Union tips for more information. They do not verify new accounts using
ChexSystems.
Alternatives Federal Credit Union in Ithica specializes in serving women, minorities, low-income and
disadvantaged people. In addition, they offer their Individual Matching Account for low-income people and the
working poor. With this account, they provide an incredible 3:1 matching funds offer. See our Credit Union tips
for more information.
Allied Irish Bank is a foreign owned bank with full retail banking in New York City and offers Internet banking
also. Residents of NY and NJ are eligible for an account. There may be a high minimum balance requirement
however. Call (212) 339-8000 for details.
Community Bank in Gowanda (near Buffalo) can be reached at (716) 532-3363 and reportedly does not verify
new accounts with ChexSystems.
Tompkins County Trust Company is a community bank that reportedly will overlook a negative in your
ChexSystems report.
Uni Star Federal Credit Union, in Tarrytown, will reportedly overlook a negative ChexSystems report. They are
located at 303 South Broadway. We found another Uni Star listing, in Glenham, but are unsure if they too have
the same policy. They can be reached at: (845) 831-8308. See our Credit Union tips for more information.
Great Eastern Bank has branch locations in Midtown Manhattan, Chinatown and Flushing. Apparently, they will
accomodate those with a negative in their ChexSystems record.
Abacus Federal Savings Bank in Chinatown can be reached at (212) 285-4770 and apparently will accomodate
those with a negative in their ChexSystems record.
United Orient Bank in Chinatown can be reached at (212) 349-1100 and apparently will accomodate those with a
negative in their ChexSystems record.
In North Carolina, First Citizen’s Bank reportedly will “override” a ChexSystems report and will still open an
account as long as you visit the branch in-person, and provide proof that the incident has been paid up.
Sometimes, however, the override will be refused by corporate a few days later — so keep that in mind. Please
let us know whether or not this worked for you so we will know if it is worth listing this tip here.
North Carolina State Employees’ Credit Union reportedly does not use ChexSystems to verify new accounts.
See our Credit Union tips for more information.
NBC Bank with branch locations throughout the state reportedly does not verify new accounts with
ChexSystems.
Self-Help Credit Union exists to help you if you are a woman or a minority, or if you reside in a low income or
rural household. See our Credit Union tips for more information.
Fort Sill National Bank has the Camp Lejune branch location in Jacksonville. Reportedly either they don’t use
ChexSystems or are willing to open accounts whether or not there are negatives on file.
You could be eligible for an account at the Navy Federal Credit Union if you or a family member (a spouse,
parent, grandparent, sibling, child, or grandchild) works for, is in, or has retired from the Navy, Marine Corps, or
the U.S. Coast Guard. See our Credit Union tips for more information. They have branch locations in Havelock,
Jacksonville and Triangle.
In Ohio, Apple Creek Banking Company does not use ChexSystems at all. If you want an ATM/Check Card, then
they will run a credit report, but if you are only requesting basic checking they reportedly do not even perform
that verification. Branch locations can be found in Manchester, Canal Fulton, and Apple Creek.
First National Bank of Germantown does use ChexSystems when verifying new accounts but have granted
accounts even though a negative exists in the applicant’s ChexSystems record.
Charter One Bank has branch locations in Ohio and although they do check with ChexSystems, if the incident is
marked as “All amounts owed have been paid” or you can prove that the incident has been paid in full, then they
will let you open an account.
A Provident Bank branch location in downtown Cleveland does not verify new accounts with ChexSystems.
There are Provident branch locations throughout Ohio, and we’re looking for confirmation that their other Ohio
branch locations operate the same way. We were notified that the branch locations in Columbus do use
ChexSystems, so perhaps it is Cleveland only. And in Cleveland, the location at 1111 Superior Avenue now does
verify with ChexSystems also.
We received a note saying that an Ohio branch location of Fifth Third Bank in Ohio does not verify with
ChexSystems for new accounts. We need you to tell us which branch locations do and which do not verify with
ChexSystems. For example, the Brooklyn, OH branch location does use ChexSystems. Be careful, however –
this bank has closed active accounts in good standing based on ChexSystems info.
Cintel Federal Credit Union reportedly does not use ChexSystems. They will run a credit report, however, if you
are requesting overdraft protection, See our Credit Union tips for more information.
National City Bank does verify new accounts with ChexSystems but appears to be willing to accomodate some
people who have a negative ChexSystems record.
You could be eligible for an account at the Navy Federal Credit Union if you or a family member (a spouse,
parent, grandparent, sibling, child, or grandchild) works for, is in, or has retired from the Navy, Marine Corps, or
the U.S. Coast Guard. See our Credit Union tips for more information. They have a branch location in Cleveland.
In Oklahoma, some Superior Federal branch locations do not use ChexSystems. Please let us know if you learn
of any branches that do or do not use ChexSystems.
First National Bank of Midwest City does not use ChexSystems.
Arvest Bank reportedly either does not use ChexSystems, or is at least willing to consider those with a
negative ChexSystems record on a case-by-case basis. The branch location on 29th Street in Del City is not one
of these, however. Bring with you proof that the incident you were reported for has been resolved.
City National Bank has three locations in Lawton and reportedly will open accounts for those, even if a negative
appears when verifying with ChexSystems. Call (580) 355-3580 for the branch locations.
Exchange National Bank in Moore, which can be reached at (405) 794-5511, has been reported to overlook a
negative or two in your ChexSystems history.
Yukon National Bank reportedly will consider granting an account to those who have a negative ChexSystems
record, as long as you can prove that any items owed have been paid.
Fort Sill Federal Credit Union reportedly will open accounts for those, even if a negative appears when verifying
with ChexSystems. See our Credit Union tips for more information.
Fort Sill National Bank has branch locations in Fort Sill and Lawton. Reportedly either they don’t use
ChexSystems or are willing to open accounts whether or not there are negatives on file.
In Oregon, Sterling Savings Bank Equifax in addition to ChexSystems when validating new applicants, and good
credit might allow an applicant with a negative to slide on through.
Although Resource Conservation Federal Credit Union does use ChexSystems, they reportedly will accomodate
those with negative incidents in their ChexSystems record as long as they can prove that any incidents have
been paid. See our Credit Union tips for more information.
First Tech Credit Union in considers a credit report when determining whether or not to open a checking account.
But if you are denied for checking, they offer a “cash only” savings account. With a savings account you can use
services such as PayPal which use EFT (Electronic Funds Transfer) and ACH (Automated Clearing House)
transactions. Deposits can include cash or business and payroll checks only, but they don’t deny that type of
account to anyone. Membership is limited to employees of certain companies, most of which are in the Seattle
and Portland areas. See our Credit Union tips for more information.
In Pennsylvania, Dollar Bank has many branch locations in Pittsburgh and does not check with ChexSystems.
Firstrust Bank verifies new accounts using Telecheck instead of ChexSystems and has locations throughout
Philadelphia and the surrounding counties. Update — apparently some branches now use ChexSystems when
verifying new accounts. If you learn which ones still used Telecheck, please let us know and we’ll list them here.
Philadelphia Federal Credit Union will open a checking account as long as any incidents reported to
ChexSystems show the “All items owed have been paid” flag, or you can provide proof that the incidents have
been paid. They also allow anyone to open a savings-only account regardless of any negatives filed with
ChexSystems. With a savings account you can use services such as PayPal which use EFT (Electronic Funds
Transfer) and ACH (Automated Clearing House) transactions.
National City Bank does verify new accounts with ChexSystems but appears to be willing to accomodate some
people who have a negative ChexSystems record.
PNC Bank is now offering a special account, called their “Primary Access”, for those with negatives in their
ChexSystems report but can show proof that “all items owed have been paid”. This is just a savings-only
account, remember. But with a savings account you can use services such as PayPal which use EFT (Electronic
Funds Transfer) and ACH (Automated Clearing House) transactions. Please let us know which branches this is
available at and whether or not it helped you.
You could be eligible for an account at the Navy Federal Credit Union if you or a family member (a spouse,
parent, grandparent, sibling, child, or grandchild) works for, is in, or has retired from the Navy, Marine Corps, or
the U.S. Coast Guard. See our Credit Union tips for more information. They have a branch location in Willow
Grove.
In Puerto Rico, Banco Popular offers a special account that has ATM-only access. Even those with negative
ChexSystems or imperfect credit are eligible for this account. This is one option that we’ld like to see offered by
banks here on the mainland! They have online banking also, so perhaps it would be an option for the rest of the
United States also. Please post on the ChexVictims.com website and let us know if you learn whether or not they
are accepting applicants from outside of Puerto Rico.
In Rhode Island, consider the Navy Federal Credit Union. You could be eligible for an account if you or a family
member (a spouse, parent, grandparent, sibling, child, or grandchild) works for, is in, or has retired from the
Navy, Marine Corps, or the U.S. Coast Guard. See our Credit Union tips for more information. They have two
branch locations in Newport.
In South Carolina, Carolina First, with branch locations throughout the state, was reported to, at one time, use
Equifax instead of ChexSystems, but now we are hearing that this might have changed.
First Federal of Charleston has over twenty branch locations. They use Equifax instead of ChexSystems when
verifying new accounts.
Fort Sill National Bank has a branch location at the Parris Island MCRD. Reportedly either they don’t use
ChexSystems or are willing to open accounts whether or not there are negatives on file.
Mutual Savings which has locations in and around Florence County, can be reached at (843) 664-0430. They do
not verify new accounts using ChexSystems.
You could be eligible for an account at the Navy Federal Credit Union if you or a family member (a spouse,
parent, grandparent, sibling, child, or grandchild) works for, is in, or has retired from the Navy, Marine Corps, or
the U.S. Coast Guard. See our Credit Union tips for more information. They have two branch locations in
Beaufort.
In Tennessee, Suntrust Bank (formerly Crestar) reportedly verifies new accounts using Telecheck instead of
ChexSystems.
You could be eligible for an account at the Navy Federal Credit Union if you or a family member (a spouse,
parent, grandparent, sibling, child, or grandchild) works for, is in, or has retired from the Navy, Marine Corps, or
the U.S. Coast Guard. See our Credit Union tips for more information. They have a branch location in Memphis.
In Texas, the Bank Of Houston verifies new accounts using TeleCheck instead of ChexSystems. Call
(713) 529-4881 to find the branch locations near the Astrodome and downtown.
First Convenience Bank has branch locations in most Wal-Marts and Albertsons and does not use
ChexSystems. We just received a tip stating that their parent company, First National Bank of Texas was also not
using ChexSystems when verifying new accounts. Let us know if this is a valid tip.
First National Bank of Texas has branch locations in Decatur, Fort Worth, Richland, and Benbrook and either
does not use ChexSystems or is at least willing to overlook it in most instances.
The Woodcreek Bank in Houston verifies new accounts using TeleCheck instead of ChexSystems.
Austin Telco Federal Credit Union does not verify new account with ChexSystems. See our Credit Union tips for
more information.
Chase Bank of Texas has branch locations throughout the state and some of these locations verify new accounts
using TeleCheck instead of ChexSystems. Reportedly, even at the branches which use ChexSystems, some with
a negative in their account have been able to open accounts if they provide a letter from the bank which reported
them stating that all items owed have been paid.
Some locations of Bank United reportedly will open an account for those with a negative ChexSystems record as
long as the incident is more than 6 months old and that it has been paid up. We are not sure if this is a special
account, under their “Second Chance Checking” program, or for a regular checking account, so please let us
know what you find. The branch location in North Dallas (Marsh & Forest) is not worth visiting though. (Note – in
August 2000, Washington Mutual announced it will buy Bank United, so this may all change.)
Compass Bank verifies new accounts using TeleCheck instead of ChexSystems.
The San Antonio Teachers Credit Union is another organization that verifies new accounts using TeleCheck
instead of ChexSystems. See our Credit Union tips for more information.
The Dallas Teachers Credit Union is another organization that verifies new accounts using TeleCheck instead of
ChexSystems. See our Credit Union tips for more information.
TexasBank has branch locations in Denton, Tarrant and Johnson counties. They do verify new accounts with
ChexSystems but apparently are willing to overlook the incident in many cases.
MetroBank has branch locations in Dallas and Houston and verifies new accounts using TeleCheck instead of
ChexSystems.
Southwest Bank of Text was reported by some to be good as far as overlooking ChexSystems but were reported
by others to be bad. So we just wanted to make sure to list them as a place to at least consider trying but don’t
hold your breath. Apparently helps if you have a letter from the reporting bank or other proof that “all items owed
have been paid”. Let us know if they are still worth considering.
Frost Bank has branch locations throughout the state and has been willing to open an account for some with a
negative ChexSystems record if they can provide a letter from the institution that reported them stating that they
owe no money to that institution. The account has Visa CheckCard privileges even! The branch in Dallas (on
Preston and Lovers Lane) is not worth visiting however.
Dupont Beaumont Federal Credit Union will reportedly grant an account to all applicants regardless of their
ChexSystems record. Membership eligibility includes those who live, work or worship in Jefferson or Hardin
Counties. See our Credit Union tips for more information.
The Armed Forces Bank serves military and civilian customers, and appears to be willing to accomodate some
people with a negative ChexSystems record. Branch locations can be found at Fort Bliss and also out-of-state.
Fort Sill National Bank has branch locations at the Sheppard AFB. Reportedly either they don’t use
ChexSystems or are willing to open accounts whether or not there are negatives on file.
You could be eligible for an account at the Navy Federal Credit Union if you or a family member (a spouse,
parent, grandparent, sibling, child, or grandchild) works for, is in, or has retired from the Navy, Marine Corps, or
the U.S. Coast Guard. See our Credit Union tips for more information. They have branch locations in Corpus
Christi and Ft. Worth.
In Vermont, AlBank will open an account for you even if you have a negative item in your ChexSystems report.
Apparently they usually don’t verify with ChexSystems, but even if they do they will grant an account as long as
ChexSystems shows that all items owed have been paid or you can provide proof that the account has been
paid in full.
Bank Of New Hampshire apparently has or is getting some Vermont branch locations, and uses NCPS instead of ChexSystems.
In Utah, Family First Federal Credit Union, in Pleasant Grove, (801) 785-6647, reportedly will grant a savingsonly account to all applicants, regardless of their ChexSystems record. See our Credit Union tips for more information.
Cyprus Credit Union does not use ChexSystems when verifying new accounts. Residents of Salt Lake County
are eligible for membership. See our Credit Union tips for more information.
Alliance Credit Union uses a credit report instead of ChexSystems when verifying new accounts. As a credit
union, those eligible for membership are residents of Weber County or employees or their immediate family
members who work at any company from this list of companies. See our Credit Union tips for more information.
Alpine Credit Union. uses a credit report instead of ChexSystems when verifying new accounts. Residents of the
Alpine School District are eligible for membership. See our Credit Union tips for more information.
Davis Schools Credit Union uses a credit report instead of ChexSystems when verifying new accounts. As a
credit union, those eligible for membership are residents of Davis County or employees or their immediate family
members who work at any Davis County agency. See our Credit Union tips for more information.
The Garfield Credit Union Southwest Valley can be reached at (801) 968-9911 and uses a credit report instead
of ChexSystems when verifying new accounts. Residents of Salt Lake County are eligible for membership. See
our Credit Union tips for more information.
Grantsville Federal Credit Union can be reached at (435) 884-3804 and does not use ChexSystems when
verifying new accounts. Residents of Tooele County (excluding the city of Tooele) are eligible for membership.
See our Credit Union tips for more information.
Jordan Credit Union does verify new accounts with ChexSystems although they will grant accounts for those
with no more than one NSF incident reported to ChexSystems. As a credit union, those eligible for membership
are residents of Salt Lake County or employees or their immediate family members who work at one of these
organizations. See our Credit Union tips for more information.
The Metro West Credit Union can be reached by phone at (801) 532-1375 and does use ChexSystems but will
allow you to open an account — as long as you can show that the incident has been paid up. Residents of Salt
Lake County are eligible for membership. See our Credit Union tips for more information.
Mountain America Credit Union does use ChexSystems but apparently each branch manager can review the
application and with a good credit report, will grant an account. As a credit union, those eligible for membership
are residents of Weber, Davis, Utah, Sevier, Iron, Washington, and Salt Lake counties or employees or their
immediate family members who work at one of these organizations. See our Credit Union tips for more
information.
Southern Utah Federal Credit Union verifies new accounts with CheckRite instead of ChexSytems. Residents of
Beaver County, Iron County and Washington County are eligible for membership. See our Credit Union tips for
more information.
The Trans West Credit Union has one branch in Sandy and can be reached by telephone at (801) 572-6003.
They will often allow a good credit report to override a negative ChexSystems record when verifying new
accounts. Residents of Salt Lake County are eligible for membership See our Credit Union tips for more
information.
The Associates Capital Bank in Saint George uses Seattle uses your Experian credit profile instead
ChexSystems when verifying new accounts. They can be reached by phone at (435) 628-3695.
The Bank of Ephraim does not use ChexSystems when verifying new accounts. The branch location in Ephraim
can be reached at (435) 283-4621. The branch location in Hildale does use ChexSystems.
In Virginia, Suntrust Bank (formerly Crestar) reportedly verifies new accounts using Telecheck instead of
ChexSystems.
First Citizen’s Bank reportedly will “override” a ChexSystems report and will still open an account as long as you
visit the branch in-person, and provide proof that the incident has been paid up. Sometimes, however, the
override will be refused by corporate a few days later — so keep that in mind. Please let us know whether or not
this worked for you so we will know if it is worth listing this tip here.
Atlantec Financial Federal Credit Union reportedly does not verify new accounts with ChexSystems. See our
Credit Union tips for more information.
The Armed Forces Bank serves military and civilian customers, and appears to be willing to accomodate some
people with a negative ChexSystems record. Branch locations can be found at Fort Myer and also out-of-state.
You could be eligible for an account at the Navy Federal Credit Union if you or a family member (a spouse,
parent, grandparent, sibling, child, or grandchild) works for, is in, or has retired from the Navy, Marine Corps, or
the U.S. Coast Guard. See our Credit Union tips for more information. They have branch locations throughout
the state.
In the state of Washington, Sterling Savings Bank evaluates Equifax in addition to ChexSystems when
validating new applicants, and good credit might allow an applicant with a negative to slide on through.
Washington State Employees Credit Union will grant a checking account to all applicants regardless of their
ChexSystems record granted that you can prove that any amounts owed have been paid. See our Credit Union
tips for more information.
Harborstone Credit Union has Branch locations in Pierce County and Thurston County and verifies new
accounts using TeleCheck instead of ChexSystems. See our Credit Union tips for more information.
Seattle Telco Federal Credit Union, at (206) 382-7000 with branch locations in Bellevue and Seattle uses your
Experian credit profile instead ChexSystems when verifying new accounts. See our Credit Union tips for more
information.
QualStar Credit Union will open a savings-only, even if they have a negative record with ChexSystems. With a
savings account you can use services such as PayPal which use EFT (Electronic Funds Transfer) and ACH
(Automated Clearing House) transactions. Some have even informed us that they were accepted for a checking
account also after providing proof that “all amounts owed have been paid”. See our Credit Union tips for more
information.
Washington Credit Union verifies new accounts using Equifax instead of ChexSystems. There are eight branch
locations in and around Seattle. See our Credit Union tips for more information.
First Mutual was reported to be verifying new accounts using Telecheck instead of ChexSystems.
Cowlitz Bank in LongView, Kelso, Kalama and Castle Rock uses Equifax instead of ChexSystems when verifying
new accounts. Call (360) 423-9800 for the number and location nearest you.
First Tech Credit Union considers a credit report when determining whether or not to open a checking account.
But if you are denied for checking, they offer a “cash only” savings account. With a savings account you can use
services such as PayPal which use EFT (Electronic Funds Transfer) and ACH (Automated Clearing House)
transactions. Deposits can include cash or business and payroll checks only, but they don’t deny that type of
account to anyone. Membership is limited to employees of certain companies, most of which are in the Seattle
and Portland areas. See our Credit Union tips for more information.
The Armed Forces Bank serves military and civilian customers, and appears to be willing to accomodate some
people with a negative ChexSystems record. Branch locations can be found at Fort Lewis and McChord AFB
and also out-of-state.
You could be eligible for an account at the Navy Federal Credit Union if you or a family member (a spouse,
parent, grandparent, sibling, child, or grandchild) works for, is in, or has retired from the Navy, Marine Corps, or
the U.S. Coast Guard. See our Credit Union tips for more information. They have branch locations in Marysville,
Oak Harbor and Silverdale.
In West Virginia, First Citizen’s Bank reportedly will “override” a ChexSystems report and will still open an
account as long as you visit the branch in-person, and provide proof that the incident has been paid up.
Sometimes, however, the override will be refused by corporate a few days later — so keep that in mind. Please
let us know whether or not this worked for you so we will know if it is worth listing this tip here.
In Wisconsin, Norwest Bank locations in greater Milwaukee reportedly offers their “Get Checking” money
management class for those with a negative in their ChexSystems record. They will grant an account after
completion of the class. Norwest has locations throughout the state and in a good part of the country, so we’ld
like to hear if this option is available elsewhere too!
Also, apparently at some Wisconsin branch locations of TCF National Bank, some account reps are eager to
open new accounts and will skip the ChexSystems verification process. The branch locations at the Jewel Osco
stores don’t use ChexSystems at all, we’re told. Also, the branch location at 5500 West Capitol Court in
Milwaukee is very good! If you learn of any other branches where this happens, let us know! Also, be aware of
their “funds availability” policy for new accounts. You most likely aren’t going to have access to your money until
two weeks after your first deposit.
West Bend Savings Bank reportedly will not refuse a checking account to those with a negative ChexSystems
record as long as ChexSystems shows that all items owed have been paid or if you can provide proof that the
account has been paid in full.
First Namtional Bank of Stoughton reportedly will grant a savings-only account (with Debit Card) to all applicants,
regardless of their ChexSystems history.
St. Francis Bank in Lake Geneva reportedly does not use ChexSystems, or will override a negative
ChexSystems report. We just got this as a new tip so please let us know how well this works out for you.