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20 Banks that don’t use ChexSystems with Bank Bonus Offers


Living without a bank account is inconvenient. Banks that don't use ChexSystems offer viable bank account solutions for people with ChexSystems records. Being blacklisted by ChexSystems can be devastating.

Many banks offer second chance bank accounts but often charge a monthly service fee. Monthly bank fees for checking accounts often range up to $15! Review our updated list of No-Chexsystems banks and credit unions to open a bank account online today.


Best Banks with No ChexSystems for October 2022

Our top 2 checking account picks at No ChexSystems banks can be opened in less than 10 minutes.

Rewards Checking
  • No ChexSystems or EWS
  • No minimum deposit to open the account
  • No account fees, no ATM or overdraft fees
  • Optional High-Interest Savings Account that earns 2.50% APY
  • 2% cashback on "common everyday expenses"
  • 1% cashback on all other eligible purchases
  • FDIC-Insured up to $250,000.
Chime Checking Account
  • No ChexSystems or credit check
  • 60,000-plus free ATMs
  • No minimum deposit to open the account
  • No account fees, no ATM or overdraft fees
  • Optional Savings Account that earns 1.50% APY
  • Up to 2-Day early access to direct deposits
  • Overdraft up to $200 on debit card purchases
  • FDIC-Insured up to $250,000.

October 2022 Banks That Don't Use ChexSystems

There’s a real cost when conducting day-to-day financial transactions without a checking account. Rebuild your banking history with a reputable bank that does not use ChexSystems to verify new customers.

1. Upgrade Banking

Features and Benefits

  • No ChexSystems or credit checks
  • $10 minimum deposit to open the account
  • No monthly maintenance fee
  • Get Paid Up to 2 Days Faster
  • Optional High-Interest Savings Account that earns 4.00% APY up to $6,000.
  • Free overdraft up to $200 with Overdrive
  • 40,000 fee-free Allpoint ATMs in the U.S.
  • FDIC-Insured up to $250,000.

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2. Chime Banking

Features and Benefits

  • No ChexSystems or credit check
  • 60,000-plus free ATMs
  • No minimum deposit to open the account
  • No account fees, no ATM or overdraft fees
  • Optional Savings Account that earns 1.50% APY
  • Up to 2-Day early access to direct deposits
  • Overdraft up to $200 on debit card purchases
  • FDIC-Insured up to $250,000.

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3. SoFi Bank

Features and Benefits

  • No monthly maintenance fee
  • Minimum opening deposit of $10 with a debit card or by linking a different bank account
  • Earn 2.50% APY on all your cash with direct deposit. Without direct deposit, you will earn 1.20% APY
  • 55,000+ fee-free ATMs
  • Get paid up to 2 days early with direct deposit
  • No-fee Overdraft Coverage with qualifying monthly direct deposit
  • FDIC insured

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4. Current Banking

Features and Benefits

  • $10 minimum opening deposit
  • Savings feature that pays 4.00% APY on balances up to $6,000
  • No overdraft fees when you overdraw by up to $200 with Overdrive™
  • Get your paycheck up to 2 days early with direct deposit
  • Earn points for unlimited cashback at participating retailers
  • Gas station holds immediately credited to your account
  • 24/7 member support

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5. OneUnited Bank

Features and Benefits

  • Minimum opening deposit of $25 (can be funded with a credit card).
  • No monthly fee.
  • Get paid up to 2 days early with early direct deposit.
  • Free Online & Mobile Banking.
  • Obtain Cash, Surcharge Free at Over 35,000 ATMs Nationwide.
  • Deposit checks through the mobile app.
  • Free Bill Pay
  • OneUnited also offers a secured credit card that reports to the major credit bureaus.

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6. NorthOne

Features and Benefits

  • Business Banking
  • Unlimited fee-free transactions
  • Deposit checks through the NorthOne mobile app
  • No NorthOne fees when you use a Mastercard Cirrus or MoneyPass ATM; ability to deposit cash through Green Dot network
  • Digital banking tools including unlimited Envelopes, bill pay and expense management
  • Integrate with business tools, including QuickBooks, Shopify, Stripe, Square and Expensify
  • Create and send unlimited invoices from NorthOne business banking app

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1. Upgrade Rewards Checking

Upgrade is definitely the best No ChexSystems banking option on the list. The Upgrade Rewards Checking Account offers up to 2% cash back on common everyday expenses at grocery and drug stores, gas stations, monthly subscriptions, restaurants, and cell phone utilities. Plus, account holders get unlimited 1% cash back on all other debit card charges. This account takes less than 10 minutes to open, the process is simple and easy.

Rewards Checking customers earn 2% cash back on common everyday expenses at convenience stores, drugstores, restaurants, and bars – including deliveries – and gas stations, as well as recurring payments on utilities and monthly subscriptions including phone, cable, TV and other streaming services, and 1% cash back on all other debit card charges. 2% cash back is limited to $500 in rewards per calendar year; after $500, customers earn 1% cash back on all eligible debit card charges for the remainder of the year. Some limitations apply. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information.
Upgrade is a financial technology company, not a bank. Rewards Checking services provided by Cross River Bank, Member FDIC. Upgrade VISA® Debit Cards issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Personal Loans made by Upgrade's bank partners. Personal Credit Lines are issued by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. The Upgrade Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.

2. Chime Checking Account

Chime is our top pick because they let you open a checking account with bad credit and no opening deposit requirement. To open a checking account with no credit check it typically requires a monthly fee, but with Chime there are no monthy fees and no overdraft fees. Plus, if you open the optional high yield savings account, you'll earn 1.50% APY.

Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank or Stride Bank, N.A.; Members FDIC

3. SoFi Bank – Welcome Bonus up to $325

The Checking Account at SoFi offers no overdraft fee and no monthly fees. Members can use their SoFi debit card to access 55,000+ fee-free ATMs within the Allpoint® Network. Members with direct deposit can earn 2.50% APY on their balances or 1.20% APY without direct deposit. Organize your money, set savings goals, and save your change with Vaults and Roundups.

Deposit checks, get real-time alerts, freeze or unfreeze your card, change your pin, and more—all from your phone.

Here's how to earn the $25 bonus:

  • To earn the $25 bonus you must make an opening deposit of $10 by using a debit card or by linking to a different bank account.

Here's how to earn the additional $300 bonus (A member may only qualify for one bonus tier):

  • To earn the $50 bonus tier you must set up a qualifying direct deposit of $1000 – $1,999
  • To earn the $100 bonus tier you must set up a qualifying direct deposit of $ 2,000 – $4,999
  • To earn the $300 bonus tier you must set up a qualifying direct deposit of $5,000 or more

A qualifying direct deposit is from an employer, payroll, retirement pension, or benefits provider like state unemployment via ACH deposit.

4. Current Banking- Earn 4.00% APY

The Current Account does not use ChexSytems or a credit report to open accounts. The savings pod feature with Current Banking earns 4.00% on up to $6,000. Gas station holds are immediately credited to your account plus, you can send money instantly for free.

5. OneUnited Bank

OneUnited Bank's Online Checking Account is available to people in ALL STATES. We like OneUnited Bank because customers can add cash to the OneUnited Bank Debit Card at over 90,000 locations across the country through a partnership with Green Dot®. OneUnited Bank offers the Black Wall Street Checking account with no monthly fee. However, if you don't qualify, they offer the U2 E-Checking Account specifically designed for bad credit. To get started go to the “Get the Card” button, enter your name, email address and cell phone number. Choose the Black Wall Street Checking account option along with the opening deposit ($25.00 minimum), then complete your identification details (name, address, SSN, and employer).

6. NorthOne Business Checking

NorthOne offers free online business checking with 2.2% cashback rewards with no monthly fee. Small business owners can grow their business by saving money and using valuable rewards offered by NorthOne.

You’ll need a few things to complete your application:

  • Your Social Security Number.
  • A copy of your Photo ID.
  • Bank account information.
  • Information about you and your business.

Business Information. If your business is an LLC or corporation you will need an EIN to apply.

Personal Information. If your business is not an LLC or corporation, you'll need to provide a social security number on your application for ID verification purposes.

One-person business welcome. It's a good move for solo entrepreneurs to open a business checking account separate from a personal checking account. A business checking account makes it easier to qualify for business financing like a merchant cash advance, line of credit, microloan or business loan.

8. Navy Federal Credit Union

Navy Federal Credit Union does not use ChexSystems and offers several different checking account options. Servicemembers in all branches of the armed forces are eligible for membership. This category includes:

  • Active Duty members of the Army, Marine Corps, Navy, Air Force, Coast Guard, National Guard and Space Force
  • Delayed Entry Program (DEP)
  • DoD Officer Candidate/ROTC
  • DoD Reservists
  • Veterans, retirees and annuitants

Why You Need a Bank Account

It’s important to have a checking account as banks and credit unions provide safe places to keep money. Plus, once you become established with a checking account, it’s likely to grow into more advanced accounts like high-yield savings accounts, money market accounts, credit products, mortgage, business, and car loans. Unbanked people that qualified for the stimulus check due to the coronavirus (COVID-19) had to wait months for a mailed check. People with bank accounts received the stimulus check via direct deposit much sooner. Banks that don't use ChexSystems offer a better choice than prepaid debit cards. There are lots of limitations and fees with prepaid debit cards compared with bank accounts. One major limitation is the lack of standard bank services, such as a way to withdraw or deposit cash for free. Another good reason to have a bank account is that bank account holders tend to save more, keep more of their earnings, and are better prepared for financial emergencies. Without access to savings accounts, CDs, and retirement accounts, it can be difficult to build wealth and maintain an emergency fund. The lack of an emergency fund that earns high-interest is often what leads to the need to fix your credit.

Fund your new checking account or verify small deposits

Most banks that don't use ChexSystem require an instant deposit once your account is approved. If you're opening an account online but don't have a way to fund it instantly with another bank account or credit card, it's likely online accounts can be funded with a prepaid debit card. Or, use PayPal® to add money to your new bank account. It's fairly simple and with PayPal®, your account can be funded in 2-3 days.

Safe check ordering

Consumers who have been reported to ChexSystems, whether the item is paid or unpaid, should proceed with caution when ordering checks. Ordering checks from well-known companies such as Deluxe, Designer Checks, Checks Unlimited and Current Checks may not be safe. These companies share your personal information with ChexSystems. ChexSystems will then report your ChexSystems record to your new bank. Order checks from companies that don't share your personal information with ChexSystems such as Costco Check Printing, Checkworks or Harland Clarke. Ordering checks from companies that share your information with Chexsystems may end up getting your new account closed. It doesn't matter if your checking account is in good standing.

7 Benefits of banks that don't use ChexSystems

Banks that don't use ChexSystems give people an opportunity to re-establish a banking relationship. A negative banking history can follow you up to 5 years, making it difficult to get through life conducting daily financial transactions. There are real benefits to having a traditional checking and savings account that banking alternatives like prepaid debit cards or check-cashing services just can't offer.  Here are just a few benefits of banks that don't use ChexSystems:

  • Save on check-cashing fees. Save money over time by not having to use check-cashing services. For example, Walmart charges $4 for cashing checks of up to $1,000.
  • Avoid prepaid debit card fees. Avoid the myriad of fees that often come with prepaid debit cards. For example, Netspend's monthly fee is $9.95 without Pay-Go, the reload fee is up to $3.95, and the ATM withdrawal fee is $2.50. As you can see, there is no way to avoid some kind of fee with prepaid debit cards.
  • Keep your money safe. Enjoy a safe and convenient place to stash your cash. It may sound strange, but not everyone saves money in a bank, which could prove dangerous. There have been several stories where people have lost money saved at home during a fire, even when the money was kept in a safe. If you only have a savings account for bad credit that would be better than a mattress or an at-home safe.
  • Your money is insured. Have the confidence in knowing your money in banks is FDIC-insured up to $250,000.
  • Built-in fraud protection. Purchases made with bank debit cards offer zero liability for fraud.
  • Become BFFs with your bank. Establish a relationship with your banker. When you engage in relationship banking your banker may approach you with better offerings on loan rates, insurance, investments, and certificates of deposit.
  • Get a mortgage loan. Mortgage lenders require you to provide recent bank statements when applying for a mortgage loan. Prepaid debit cards are not the same as having traditional bank statements.

Watch out for Bank Sweeps

Banks will sometimes conduct ChexSystems sweeps on existing customers and account holders that have prior ChexSystems records. Bank sweeps can close accounts without warning, even if your account is in good standing. It’s dangerous to have all of your money in one place. With account freezes, you can lose access to your money for up to 30 days. For that reason alone it's important to maintain more than one banking relationship – 30 days is a long time to have your money tied up. Never have all your money in one bank. With current negatives on your ChexSystems report, keep a backup account. Second chance banking offers many options for backup checking accounts. But keep in mind, second chance banks might pull a ChexSystems report to open new accounts. Banks that use ChexSystems may also conduct bank sweeps. If an account freeze happens to you, request management or someone in the security department with decision making power to release your money immediately. There's really no reason to hold a customer's funds for 30 days once an account is frozen. If you have direct deposit you may want to split it between two accounts. That way if your primary account is frozen you still have access to a portion of your paycheck with your backup account.

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

Non-ChexSystems banks simply don't use ChexSystems to verify new accounts – but they may use other consumer reporting agencies. For instance, Early Warning Services offers new account screening. While not as well known as ChexSystems, EWS can prevent you from opening a new account. EWS is co-owned by several banks: Bank of America, BB&T, Capital One, JPMorgan Chase, PNC Bank, U.S. Bank, and Wells Fargo. These banks formed EWS to primarily combat customer fraud. Non-ChexSystems banks may also use a credit report to screen customers. Second chance bank accounts may use ChexSystems to screen new customers but offer fresh start checking accounts. These banks offer “second chance” checking accounts that give consumers an opportunity to rebuild their banking history. When a bank or credit union offers a second chance checking account, they're willing to overlook a problematic ChexSystems record. You can expect to pay a monthly checking fee with second chance checking accounts but most give customers an opportunity to upgrade to a regular checking after 12 months of responsible account management.

What is ChexSystems and how does it work

ChexSystems gathers banking records on all consumers that have a bank account currently or in the past. There is no refuting that banks must have a screening process for new customers, but the problem with ChexSystems is that it only reports negative information; unlike credit reports that can contain negative as well as positive information. A one-time banking mistake could land you in ChexSystems with no positive reporting information to offset it. That one-time mishap can stay on your ChexSystems record for five years and prevent you from opening a checking account. Because ChexSystems is a consumer reporting agency the information they contain must be accurate. Just like the credit bureaus, they are governed by the Fair Credit Reporting Agency.  Even though ChexSystems is a specialty consumer reporting agency, it is required to respond to consumer disputes in the same manner as credit bureaus. Check out our step-by-step process to dispute ChexSystems. Even if you're successful in finding banks that don't use ChexSystems, over 80 percent of banks and credit unions screen new customers using some type of consumer reporting agency.  Checking account reporting companies are difficult to avoid whether you want to open a bank account online or in-person. It’s a good practice to order your ChexSystems report, free of charge, and make it a habit of monitoring what banks are reporting about your checking habits.

ChexSystems generates a ChexSystems Scores

ChexSystems generates a risk score for consumers ranging between 100 and 899. The lower your score, the greater risk you pose as a potential banking customer. There's not a lot of information known about ChexSystems scores because ChexSystems doesn't release its internal metrics for calculating risk scores to the public. But it's pretty safe to assume the higher a ChexSystems score, the better. Order your ChexSystems score, free of charge, and get it in about 15 days. It's also possible that some consumers may not have a ChexSystems score. Consumers that have a good banking history likely don't have any negative information reported to ChexSystems. Since ChexSystems only has negative data about banking habits, there may be no negative data on file that could be used to generate a score.

You can submit a ChexSystems Dispute

You have a right to dispute both ChexSystems and the bank that reported the account if you believe an item on your ChexSystems report is inaccurate. The Fair Credit Reporting Act requires ChexSystems and the bank to adhere to investigation requirements for any disputed item. Inaccurate items must be removed.

How to Remove ChexSystems Records

Take steps to get removed from ChexSystems if you discover errors. ChexSystems disputes are just like credit disputes in that you must take the same steps to remove negative records. Here is a quick look at how to dispute ChexSystems. Check out more detailed ChexSystems removal steps if “suspected fraud” has been indicated. 1. Request your ChexSystems report. Get your ChexSystems report instantly online. 2. Review your report. Identify any inaccurate information to dispute. 3. Take action to remove ChexSystems errors. ChexSystems Disputes can be submitted online, by fax, or mail. If you dispute by fax or by mail. ChexSystems has a Request for Investigation form on their website. Once you've completed the dispute form, mail or fax it along with any supporting documents, to Chex Systems Inc., Attn: Consumer Relations, 7805 Hudson Road, Suite 100, Woodbury, MN, 55125 or fax it to 602-659-2197. ChexSystems has 30 days to investigate your dispute. If they determine that an item is inaccurate, they're required to delete the debt from your report. Or, if the bank fails to respond, ChexSystems must delete the debt. 4. Pay for delete reported debts. Consider paying the bank that reported the debt in exchange for deletion from your ChexSystems report. You may be able to negotiate a lesser amount and settle for pennies on the dollar if the debt is older. If you are unable to get the bank to agree to a complete deletion, make sure ChexSystems updates your record to paid. Plus, remember that negative information only stays on your account for five years, so be sure to check if a negative item is ready to drop off your report. Consumer reporting agencies don't always automatically remove outdated information from your credit reports.

Alternatives to Banks That Don’t Use ChexSystems

In the situation where banks without ChexSystems decline you, there are several alternatives to traditional checking accounts. Some alternatives to non ChexSystems banks may have limited checking features, for instance, no check-writing but it's still worth exploring. Here are several alternatives:

Second Chance Checking Accounts

Banks that offer second chance checking accounts know there may be customers with a less than perfect banking record. They are ready to help their customers work on getting back on track. However, most second chance checking accounts will have a monthly fee, some may require direct deposit and have fewer perks than a standard checking account. Here are a few nationwide banks that offer second chance checking accounts but if you prefer banks in your state we have compiled an extensive list of second chance banks near you. Wells Fargo Clear Access Checking. The Wells Fargo Clear Access Checking Account is only offered if you are unable to open one of their regular checking accounts. There is a required $25 minimum deposit. The $10 monthly fee can be avoided by maintaining a $1,500 minimum daily balance, setting up direct deposits totaling at least $500, or posting 10 or more debit card transactions each cycle. US Bank Safe Debit Account.  The US Bank Safe Debit Account has a $4.95 monthly fee. It features online banking and mobile check deposits and a Visa debit card. However, you will not get access to paper checks with this account. United Bank Gateway Checking. The United Bank Gateway Checking account requires a $10 monthly maintenance fee but you can upgrade to one of United Bank's standard checking accounts after six months of responsible account management. Online banking and bill pay is available for $4.95 per month but you don't get a debit card with this account. BancorpSouth Second Chance Checking. BancorpSouth's second chance checking account charges a $10 monthly fee but you can upgrade to a standard Bancorp checking account after one year of good account management. There is a minimum $50 deposit required to open an account and it comes with a Mastercard debit card. GoBank Checking Account. GoBank’s checking account is accessible online and easy to open. Avoid the monthly service fee with a $500 direct deposit. GoBank has a large free ATM Network but cash deposits can cost up to $4.95.

Prepaid Debit Cards

Prepaid debit cards offer a less attractive alternative to traditional checking accounts. The biggest issue with prepaid debit cards is fees. It's hard to avoid paying some type of ongoing fee, for instance, you'll typically pay a fee to add cash to your card, and some prepaid card issuers charge a transaction fee every time you make a purchase. Only use prepaid debit cards if you are unable to open a checking account for bad credit or a second chance checking account. And, keep in mind, prepaid cards do not build credit. Prepaid cards can help you manage money with account alerts, mobile check deposits, and the ability to deposit cash at over 90,000 locations across the country. currently offers a $50 bonus when you sign up for early direct deposit. This prepaid debit card account is good for people that have bad credit and are in ChexSystems because they don't use any type of checking account reporting company.

Best practices for people in ChexSystems

  • Have more than one banking option — Don't put all your eggs in one basket.
  • If you have direct deposit, split it between two checking accounts. That way you'll have access to some funds if one of the accounts is frozen.
  • Stay away from supplemental services like Billpay until your ChexSystems record is clear.
  • Immediately report any fraudulent activity you may discover on your accounts. Fraud and account abuse seems to be the go-to reasons banks report customers to ChexSystems and Early Warning Services – even when no such activity occurred.
  • If you close your account, continue to monitor it for several months to ensure there are no unpaid charges, fees, or overdrafts.

Get tips to deal with ChexSystems and improve your ChexSystems score.

Tips to manage your new account

It's difficult to find banks that don't use ChexSystems, so when you do open a new checking account, carefully manage it in order to keep it open. When you manage your account, you can avoid unnecessary fees, being reported to ChexSystems or Early Warning Services. Here are actions to take for good checking account management:

  • Keep track of your balance and any outstanding payments.
  • Open and review all bank statements and correspondence.
  • Avoid spending more than you have in your account.
  • Monitor your account online or on your phone before you withdraw cash at an ATM.
  • Check your balance by phone or online before you write a big check or make a big payment.
  • Sign up for transaction alerts and low-balance warnings via e-mail or text.
  • Don’t assume that the money you deposited is available immediately.
  • Find out when the money you deposit will be available for your use.
  • If there is a “hold” on a deposit, make sure you know when it will be lifted.
  • Avoid making a payment using your checking account unless you know for sure the money is in your account.

second-chance-banking While managing your new account does not directly impact your credit scores, having a checking account in good standing can be a prerequisite to obtaining a second chance loan. Second chance loans can help improve credit scores as long as payments are timely made and reported to the credit bureaus. If you need an installment loan for bad credit, a second chance loan may fit your financial needs.

Final Word 

Banks that don't use ChexSystems offer the same features as banks using ChexSystems — you’ll have a variety of options to fit your banking needs regardless of your banking history. Since 2010 we have maintained an updated, comprehensive list of Banks that don't use ChexSystems, Bank Accounts for Bad Credit and Second Chance Banking Options. No credit check banks offer an opportunity for people with past financial issues to re-enter the banking industry and improve their overall credit profile. There are some financial transactions where checking accounts are required, for instance, there's no way you can apply for a mortgage loan without showing a banking history. Checking accounts for bad credit opens the door to a better financial future.

1 thought on “20 Banks that don’t use ChexSystems with Bank Bonus Offers”

  1. Don’t use NetSpend account

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