About 3.5% of Hawaii households don’t have a checking or savings account according to an FDIC survey. Many cite trouble meeting minimum balance requirements or being denied accounts due to their banking history, often because they appear in ChexSystems or EWS.
The good news: there are Hawaii second chance banks and hawaii no-chexsystems banks that make it easier to open a new checking account, no matter your past. Whether you need a fresh start or want to avoid ChexSystems checks entirely, these banks and credit unions are ready to help.
Hawaii Online No-ChexSystems Banks
SoFi Bank
$50 minimum deposit
Welcome bonus up to $300
No monthly maintenance fees
Get paid up to two days early
55,000+ fee-free ATMs
Upgrade Rewards Checking
$0 minimum to open
Up to 2% cash back on purchases
Get paid up to two days early
More than 55,000 free ATMs
Acorns
$25 minimum deposit
Earn 2.57% APY on Checking and 4.05% APY on Emergency Fund
Get paid up to 2 days early
Tungsten metal debit card
55,000+ fee-free ATMs
Hawaii Second Chance Checking Accounts
Gather Federal Credit Union
Gather offers several checking account options and uses Telecheck to verify customers rather than ChexSystems.
HomeStreet Bank
HomeStreet Bank is more lenient with ChexSystems, so you may still qualify to open an account depending on your record. We recommend their Free Checking option, which is simple, affordable, and requires a $100 minimum opening deposit.
Hawaii Community Federal Credit Union
Hawaii Community Federal Credit Union uses Telecheck instead of ChexSystems, making it a good alternative for those with ChexSystems issues. For fewer fees, consider their Check Advantage account.
Quorum Federal Credit Union QFlex Checking
The Qflex account has features like 5-day early paycheck, overdraft protection with zero overdraft fees, zero ATM fees, and free credit-building tools that help you stay on track.
Bank of America
The Advantage SafeBalance Banking Account requires a $25 opening deposit and a $4.95 monthly service fee. You’ll have free access to online banking, mobile deposit1, bill pay and account alerts.
Our mission is to help you connect with these Hawaii no-chexsystems banks so you can regain access to essential financial services and move forward confidently.
ChexSystems Resources
- Banks That Don’t Use ChexSystems – Take a look at our list of banks that do not use ChexSystems for a new checking account.
- EWS (Early Warning Services) – EWS is similar to ChexSystems and can prevent you from opening a checking account.
- Check your ChexSystems Report – Unsure what information exists in your ChexSystems report? Learn how to find out.
- ChexSystems Scores – Did you know that you have a ChexSystems score similar to a credit score? Find out how to get yours.
- Account Abuse – Find out why ChexSystems often reports customers for account abuse with no real explanation of what that notation means.
