Georgia banks that don’t use ChexSystems: Get a second chance


Georgia banks that don't use ChexSystems gives people with past banking issues a second chance.

According to a FDIC national survey, Georgia is one of the top states leading in unbanked households at 10.6 percent even though the number of unbanked households has dropped nationwide.

Living without a bank account can be expensive especially if you depend on alternative financial services such as check cashing stores in Georgia, title loans and even pawn shops. Alternative financial services often charge much higher rates than banks.

Georgia banks and credit unions that don't use Chexsystems are available throughout the state.

The most important action to take once you open a new bank account is to avoid overdrafts, bounced checks and depositing third-party checks into your account. These actions can lead to account closing and a lower ChexSystems score.

If you have problem credit consider bank accounts for bad credit as an additional option for checking accounts.

Georgia banks 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

Associated Credit Union

Associated Credit Union does not use ChexSystems, they use an Equifax credit report. They offer two checking accounts, the Associated Checking and Simple Checking. Both accounts require a minimum $25 to open.

Community Bank & Trust

Community Bank & Trust offers a checking account called “Second Slice.” Community Bank & Trust is a Georgia second chance bank option. The minimum required to open the Second Slice account is $100. You get unlimited check writing, ATM Card, access to mobile banking apps, e-statements and direct deposit is available.

DOCO Credit Union

Visit DOCO Credit Union to inquire about a special account designed for members who truly need a fresh start.

Excel Federal Credit Union

Find a Second Chance Bank Account in Georgia at Excel Federal Credit Union. Excel Credit Union offers a Fresh Start Checking Account designed for those who are working to reestablish their credit. There are fees associated with this account. You must speak with member services for more information and to see if you qualify.

First State Bank

First State Bank has an Access Checking account with a $10 monthly service fee. It requires a $100 minimum deposit to open. Maintain a $1,000 average daily balance or have $500 in Direct Deposits to avoid the $10 monthly service fee.

Georgia United Credit Union

Georgia United Credit Union offers a Restart Checking Account for members looking for a second chance at banking. There is a $12 per month fee for the second chance checking account. The minimum opening deposit is $25 and direct deposit is required.

Georgia's Own Credit Union

The “Resolution Checking” is designed to help re-establish financial stability for members who have had previous credit problems and are not eligible for other checking accounts. You must speak with Georgia's Own representatives for details and important account features.

Members United Credit Union

Visit Members United Credit Union to inquire about the Second Chance Checking account designed to help repair a poor checking history.

Peach State Federal Credit Union

A Fresh Start Checking Account is available to people in ChexSystems. Account holders have access to a debit card but there is a monthly checking fee. After the account has been open for 12 consecutive months, the member may request to have their account changed to either a Basic or Premium Checking Account.

Renasant Bank

You can have a Chexsystems, Telecheck or EWS record but there must not be any money owed to Renasant Bank. Checking accounts offer free online bill pay along with mobile banking. You should apply online.

Robins Federal Credit Union

The Second Chance Checking account at Robins Federal includes many of the same features as the Classic Checking account, but is designed to help rebuild your financial history and put you on the path to a bright financial future. Some of the features include a monthly service fee of $10, unlimited check writing, free Visa debit card, free online banking, mobile banking and after 12 months of good account management you will be eligible to apply for a Classic Checking. The minimum required to open the Second Chance account is $50.

Rochelle State Bank

There are several accounts available to people in ChexSystems because they only require proper identification to open an account. The Regular Checking Account requires a $100 opening deposit. Should your balance falls below $500 on any day in the month, your account will be subject to a $5.00 maintenance fee for that month.

Seaside Island Bank

Seaside Island Bank has an Access Checking account with a $10 monthly service fee. It requires a $100 minimum deposit to open. Maintain a $1,000 average daily balance or have $500 in Direct Deposits to avoid the $10 monthly service fee.

The Heritage Bank

The Heritage Bank does not use Chexsystems, Telecheck or EWS. The account must be opened in-person and only proper identification is required. Several different checking accounts are available but the one with no monthly maintenance is called “Connect Checking”. The minimum deposit to open is $50.


Woodforest offers a “Second Chance” account. The minimum opening deposit is $25.00. There is a monthly service charge which breaksdown as follows: $7.95 with direct deposit(3); $9.95 without direct deposit and a $9.00 one-time account set up fee.

Best tips to manage second chance banking

If you want to ensure your new second chance account will stay open try these account management tips:

  • Keep a cushion in your account and link a savings account to your checking account to cover possible overdrafts.
  • Online banking allows you to access your account from anywhere in the world, any day of the week, at any time of day and as often as you want, for free. Check your account balances, move money between accounts and pay bills electronically.
  • Getting an account with overdraft protection can eliminate the problem of bounced checks and prevent you from paying returned check fees from the merchant that received the bounced check and your bank for non-sufficient funds fees.

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