Banks in Connecticut that don’t use Chexsystems: Get a Second Chance


Banks in Connecticut that don't use ChexSystems can help the thousands of households in Connecticut that are living without a bank account or, have a bank account with limited services continues to grow.

In 2017, one in 5 Connecticut households is unbanked or underbanked, according to data compiled by the Federal Deposit Insurance Corporation. People without any type of account climbed in the state over the past six years.

Connecticut ranked 21st in the nation in the percentage of unbanked households. In the Hartford-East Hartford-West Hartford metropolitan statistical area, a slightly higher percentage of households are unbanked or underbanked – 25.6 percent. In the New Haven-Milford MSA, that percentage is slightly lower than statewide, at 19.5 percent. The Bridgeport-Stamford-Norwalk MSA is lower still, at 18 percent.

Find a new account at banks in Connecticut that don’t use ChexSystems. For households living without a bank account it can be challenging to cash checks, pay bills and establish credit.

Too much money is being spent on alternative financial services like checking cashing stores, prepaid debit card fees and money orders.

Banks in Connecticut that don't use ChexSystems

Chime calls its checking account a spending account. Basically it's a digital checking account that operates entirely online. customers with direct deposit can get paid up to 2 days early². Chime also offers a savings account that puts your savings goals on automatic – anytime you make a purchase, Chime will round up your purchase to the nearest dollar and deposit the extra into your savings account. Chime does not use ChexSystems or EWS.

Chime will spot you up to $100* on debit card purchases with no overdraft fees. Eligibility requirements and limits apply.

Online Checking Features

  • No minimum deposit required to open account
  • Get paid up to two days early with direct deposit ²
  • Access to over 38,000 ATMs fee-free
  • Mobile deposits and payments
  • Check writing
  • No hidden fees
  • FDIC-insured up to $250,000

Bank of America

Bank of America Advantage SafeBalance Account is available to unbanked people through an initiative by the state of Connecticut. The Bank On Connecticut program lets unbanked people access free financial education and a basic checking account with access to a debit card but no written checks.

Community Credit Union of New Milford

They offer free checking with no minimum balance, no service restrictions, no trial periods ChexSystems is used but it depends on what the ChexSystems report contains. Fraud is typically a deal breaker and it's always best to have paid any bank owed. Anyone eligible for a membership can open a Savings Account.

Corporate America Family Federal Credit Union

They offer a Fresh Start Checking Account that gives you the chance to rebuild a positive checking account history. You must keep a minimum balance of $100 in your Regular Share Account. There is $10 monthly fee.

COREPLUS Federal Credit Union

A ChexSystems report is pulled but you may be able to open a checking if fraud is not indicated and the bank has been paid. Any eligible member can get a savings account regardless of ChexSystems.

Eastern Savings Bank

Eastern Savings Bank offers a Restart Checking Account available to individuals with paid ChexSystems records with no fraud indicated.  Open this account with just $25 and enjoy. There is o minimum balance requirement. The monthly service charge is $6.95.

Enfield Community Federal Credit Union

A ChexSystems report is pulled but you may be able to open a checking account depending on what's in the report. Fraud typically is a deal-breaker. And, it's best to have the records paid. Anyone eligible for membership can open a Savings Account.

FineX Credit Union

Finex Re-start Checking gives you exactly a second chance at banking. It’s the opportunity to make a fresh start even if you’ve had issues with your checking accounts in the past. No minimum balance and Monthly service fee of $15. The account is available for any Finex member who has one occurrence on ChexSystems for an amount equal to or less than $500 with the occurrence taking place more than 12 months from new account opening. Direct deposit or a current phone bill is required to open the account.

Hartford Federal Credit Union

2nd Chance Checking is designed to assist members who do not qualify for the regular checking account due to prior checking activity. There is a $5 monthly service fee but after a period of responsible use, members are able to transition to Classic Checking.

Jewett City Savings Bank

They do use Chexsystems but if the account is paid and does not indicate fraud you can open a checking
A debit card may not be issued for the first 3 months to be certain the account stays in good standing.

Nutmeg State Financial Credit Union

They offer a Second Chance Checking Account.

Rockland Trust

They use chexsystems but if the reporting bank is paid and no fraud is indicated they will probably open the account. For best results there should only be one reporting bank

Seasons Federal Credit Union

They use Chexsystems but anyone that is eligible for membership can open a savings. For a checking they may open an account if no fraud is reported and the debt to the reporting bank is paid.

Sikorsky Credit Union

They use Chexsystems but anyone eligible for a membership can get a savings account. For a checking account, it would depend on the record. For best results: Only one reporting bank, no debt owed to reporting bank and no fraud indicated.

Webster Bank

Webster Bank uses a ChexSystems report to open accounts but they offer a second chance account called Opportunity Checking. There is a $50 minimum opening deposit required. The monthly service charge is $16.95 without direct deposit and $11.95 with direct deposit.

Westerly Community Credit Union

They offer a Second Chance Checking Account for a 10.00 monthly fee.

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