Get back into banking. A negative ChexSystems record can remain 5 years unless you successfully dispute ChexSystems to get it deleted. For consumers with an EWS record, it can last for 7 years unless you're able to successfully dispute EWS.
Oregon Second Chance Checking Accounts
Chime Spending Account – Free overdraft up to $100
Chime will spot you up to $100 on debit card purchases with no overdraft fees. Eligibility requirements apply.¹ Chime's Spending Account is similar to a traditional checking account but without check writing. Banking is easy with Chime where customers can transfer money, send and deposit checks and pay bills with no monthly fees and no overdraft fees.
Open the optional Chime Savings Account and Chime will round up your Visa Debit Card transactions to the nearest dollar and transfer it to your savings account.
Chime Spending Account Features
- Get your direct deposit up to 2 days early.
- Chime Visa® Debit Card.
- Access cash at 38,000+ fee-free ATMs.
- An optional savings account earns 0.50% (APY).
- Leniency for people with previous checking account problems.
Bank of the West does run a ChexSystems report but they have a second chance banking program called “Fresh Start.” Your Chexsystem listing must be older than one year and it cannot be for fraud. Basic checking has a $10 monthly fee but it is waived when you: Maintain an average monthly balance of $1000; Receive a direct deposit of $250; or Use your Bank of the West Debit Card for 10 or more purchases during each statement cycle.
Union Bank does use ChexSystems; however, they will open an account for you if the ChexSystems record is 1 year old, has been paid and does not indicate fraud. If the ChexSystems record is 3 years or older, Union Bank will disregard the record as long as it does not indicate fraud. The minimum opening deposit is $100.
Most US Bank branches located “in store” branches will open a checking or savings account for consumers in ChexSystems; some “in-store” branches even have signs stating “Chexsystems? No Problem!”. But you must not owe US Bank money if they reported you to ChexSystems or have been reported to ChexSystems for fraud. Some regular branch locations may also open an account but it's best to call first to inquire. The minimum opening deposit is $25.
The Rewards Card Checking offers deposit of payroll or government benefit with a monthly fee of $4.95 and $7.95 per month without direct deposit, you'll receive a checkbook and Mastercard® debit card with no overdraft fees or ATM fees! Free nationwide ATM access at over 55,000 Allpoint®.