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Kentucky Banks and Credit Unions that don’t use ChexSystems

Kentucky-No-ChexSystems-Banks

According to a report from the Federal Deposit Insurance Corp., Kentucky ranks as one of the 10 most unbanked and under-banked states in the country.

The number of unbanked individuals in Kentucky is around 7.2% according to a 2017 FDIC Survey. While many unbanked rely on prepaid cards, traditional banking services offer a greater chance for families to achieve financial stability.

Build wealth and save money by getting back into the banking world. Check out our list of second chance checking accounts in Kentucky. Many second chance bank accounts run a ChexSystems report.

If your ChexSystems record has unpaid debt, consider options at banks that don’t use ChexSystems or bank accounts for bad credit.

Second chance checking accounts in Kentucky

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).

Black Wall Street Checking Account Features

  • 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.


Upgrade Rewards Checking

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.

Upgrade Rewards Checking Features

  • No ATM fee.
  • Zero Monthly Fees.
  • Zero Overdraft/Insufficient Fees.
  • 2% cash back on common everyday expenses and recurring payments and unlimited 1% cash back on every other debit card charge.
  • use your Rewards Checking card wherever Visa® is accepted.
  • FDIC-insured up to $250,000.
Rewards Checking is offered by Upgrade Inc, a nonbank financial services provider founded in 2016 and based in San Francisco, CA. It is made possible by a bank partnership with 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. Rewards Checking is available in 50 states (and Washington, DC).

Current Checking Account


The Current Checking Account can be opened with a minimum of $10 with a debit card or an existing checking account.

Current Account Features

  • $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.
  • Send money instantly for free.
  • 24/7 member support.

First Southern National Bank

If you are looking for a Non-ChexSystems Bank in Kentucky First Southern National Bank may be the answer. They only require 2 forms of proper identification to open a bank account. First Southern National Bank is located throughout Kentucky including Bowling Green. You must visit a branch to open an account.

First United Bank & Trust Company

Open a “Fresh Start Checking” account with a minimum of $50. There is a $10 new account set-up fee along with a $14 monthly maintenance fee. The account features online banking, online bill pay and mobile banking.** (**Mobile Internet data and text message charges may apply).

City National Bank

City National Bank in Kentucky offers a checking account called “Bounce Bank Checking.” No minimum balance is required but there is a monthly service fee of $6.99 with direct deposit, $8.99 without direct deposit. Customers get the first two non-sufficient funds fees waived but it is strongly suggest you do not bounce checks when re-establishing a banking relationship. You must visit a branch location in-person to open.

FNB Bank

Get a second opportunity at a checking account with FNB’s “Second Chance Checking” account. It requires a $100 minimum deposit to open along with a $10 set-up fee. The account features free online bank statements plus images or you can get email statements plus images. There is a $12 monthly service fee.

Fort Knox Federal Credit Union

If you live or work in Boyle, Breckenridge, Grayson, Hart, LaRue, Meade, Nelson, & Taylor counties you may be eligible to join Fort Knox Federal Credit Union. Active duty and retired military, Reserve, Guard or civil service employees and military contractors are also eligible to join. The initial requirement for membership is $15. Fort Knox Federal Credit Union offers a “Second Chance Checking” account but you must visit a branch to open.

Home Federal Bank

Home Federal Bank offers an account called “Square One Checking” that can give you a fresh start. The account features free Home Banker online banking with Bill Pay, free Phone Home telephone banking, E-Statements and Overdraft Privilege. There is a one time $10 set-up fee along with a $12.99 monthly service charge if you have direct deposit. The monthly service charge is $19.99 if you do not have direct deposit.

Kentucky Telco Federal Credit Union

Get a second chance with the “NewStart Checking” account. No minimum balance is required to open the account but there is a $12 per month service fee. The account features free Visa debit card, free online banking, free Bill Pay, mobile banking and e-statements. Customers also get free unlimited access at all Kentucky Telco ATMs plus no surcharges at affiliated ATMs.

Main Source Bank

This account is designed for customers looking to rebuild their financial health. The account features a free debit card after 90 days, free online and mobile banking. There is a $14 Service fee per statement cycle; or a $12 Service Fee per per statement cycle with eStatement OR Direct Deposit; or a $10 Service Fee per statement cycle with eStatement AND Direct Deposit.

Woodforest

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.

Your Community Bank

Your Community Bank in Kentucky offers a “New Opportunity Checking” account for residents in ChexSystems. The accounts lets you rebuild your record and reestablish your financial credibility. No minimum balance requirement after initial deposit! The account features e-Statements, online banking, 24-hour telephone banking, direct deposit and official checks.

Park Community Credit Union

They a second chance checking account. There is a $12 service fee per month and direct deposit is required. You can enjoy all the privileges of a checking account.

MidWest America Federal Credit Union

They use Telecheck to verify new customers.

Forcht Bank

Two forms of identification is required. They do not use Chexsystems, Telecheck, EWS or a Credit Report.

Citizens Bank and Trust of Jackson

They use Telecheck to verify new customers.

Appalachian Community Federal Credit Union

They offer Fresh Start checking that requires $20 to open and a $10 monthly service fee.

Centra Credit Union

They offer second chance checking but you must open an Opportunity Savings Account. Once you’ve opened an Opportunity Savings account, then you can open an Opportunity Checking account.

CPlant Federal Credit Union

They offer a second chance checking.

The Cecilian Bank

They have a second chance checking account called Choice Opportunity Checking. It requires $50 minimum to open the account and a $10 monthly fee. If you have direct deposit the monthly fee will be $8.

Central Bank

They offer a second chance checking account called Clean Start checking. It requires $10 minimum to open the account and a $10 monthly fee. If you have direct deposit the monthly fee will be $8.

First & People’s Bank and Trust Company

They run a credit report to verify new accounts.

Bank of Clarkson

They run a credit report to verify new accounts.

First State Bank
They use a credit report to verify new accounts.

Wilson and Muir Bank and Trust

They use a credit report to verify new accounts.

Community Trust Bank

They use Early Warning Systems but they do not use Chexsystems.

Republic Bank

They offer a second chance account called Checking Builder that requires $50 to open. $12.95 monthly fee will be reduced to $7.95 with direct deposit OR at least 20 monthly point-of-sale (POS) debit card transactions.

Western Federal Credit Union

They offer a second chance account called Right Start Checking that requires $25 to open and no minimum balance requirement.

Citizens Union Bank

They offer a second chance checking account.

Citizens Guaranty Bank

They offer second chance checking called Clean Slate Checking that requires a $25 opening deposit. The monthly service fee is $10 monthly or $8 with direct deposit

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