If you’ve had a checking account closed due to unpaid fees, overdrafts, or negative balances, you may have a record with ChexSystems. Many banks rely on this reporting system to decide whether to approve new accounts, making it difficult to open a traditional checking account.
The good news is that some banks don’t use ChexSystems at all, giving you a fresh start without past mistakes getting in the way. These accounts offer the same essential banking services—debit cards, online banking, and direct deposit—without strict approval requirements. Many options below even allow you to open an account in under 5 minutes.
Best Banks That Don’t Use ChexSystems of 2025
We’ve researched the best banks and credit unions that don’t use ChexSystems, making it easy to open a new checking account. Whether you prefer a big-name bank with physical branches or an online bank with no fees, these options provide a path to hassle-free banking.
1. SoFi
Up to $300 sign-up bonus with direct deposit
No minimum opening deposit
Earn up to 3.80% APY
Over 55,000 fee-free ATMs
SoFi Checking & Savings is a great choice if you’re looking for a fee-free account with high-interest savings and easy access to your money.
You won’t have to worry about monthly fees, overdraft fees, or balance requirements, and you can earn up to $300 with a qualifying direct deposit.
This account stands out with a high-yield savings rate of 3.80% APY, which is significantly better than what most traditional banks offer. Checking balances also earn interest at 0.50% APY.
Getting cash is easy with over 55,000 fee-free ATMs in the Allpoint Network, and direct deposit customers can get paid up to two days early. Deposits are FDIC-insured up to $2 million, providing extra peace of mind.
This account is ideal for anyone who wants a simple, low-cost banking option with competitive savings rates and easy online access.
2. Current
Build credit and earn points with every swipe
No minimum opening deposit or maintenance fees
Get paid up to 2 days faster
No credit check or ChexSystems
Current is a fast-growing online banking platform that offers an easy way to manage money without the usual banking barriers.
There are no credit checks, no ChexSystems reviews, and no minimum deposit requirements, making it accessible for almost anyone.
A unique feature of Current is its ability to help build credit with everyday debit card purchases—no borrowing or credit checks required.
The account also includes fee-free overdraft protection up to $100 and access to over 40,000 fee-free ATMs.
Early direct deposit lets customers get paid up to two days sooner, and purchases can earn up to 15x points for cashback rewards.
Current’s banking services are backed by Choice Financial Group and Metropolitan Commercial Bank, both FDIC members.
Chime® makes banking simple with no credit check, no ChexSystems, and no hidden fees.
There are no monthly maintenance fees, overdraft fees, or minimum balance requirements, making it an accessible option for anyone looking for hassle-free banking.
Customers can withdraw cash at over 60,000 fee-free1 ATMs through the MoneyPass and Visa Plus Alliance networks. Cash deposits are also free at more than 8,500 Walgreens locations.
Direct deposit users can get paid up to two days early, providing faster access to funds. With its user-friendly mobile app and debit card, Chime is a solid choice for those who want a straightforward banking experience.
4. GO2bank
4.50% APY up to $5,000
Build credit with no annual fees
Overdraft protection up to $200
Earn cashback on gift card purchases
GO2bank offers a flexible banking option with no minimum balance requirements and features designed to help customers save and build credit.
The account includes a high-yield savings option with a 4.50% APY on balances up to $5,000.
Customers can deposit cash at 90,000 retail locations and access over 55,000 fee-free ATMs nationwide.
Direct deposit users can get paid up to two days early, while government benefits can arrive up to four days early. Overdraft protection of up to $200 is available with opt-in.
GO2bank also provides a secured credit card with no annual fees, giving users a way to build or improve their credit. The $5 monthly fee is waived with a qualifying payroll or government benefits direct deposit.
5. Chase
$100 bonus after 10 purchases in 60 days
No credit check or ChexSystems
Over 16,000+ fee-free ATMs
$4.95 monthly service fee
Chase Secure Banking offers a solid option for those who want a traditional bank account without a credit check or ChexSystems review.
It includes access to over 16,000 fee-free ATMs, free online bill pay, and free money orders and cashier’s checks.
This account is a great choice for those who prefer in-person banking, with 4,700 branches nationwide.
New customers can also earn a $100 bonus by making 10 purchases within 60 days.
Approval is immediate, and debit cards arrive quickly. The account has a $4.95 monthly fee, but there is no minimum deposit required to open it.
6. Novo
No monthly fees
No overdraft fees
Free Novo Business Debit Card
Unlimited invoicing and ACH transfers
Novo is a business banking platform built for freelancers, entrepreneurs, and small business owners who want a flexible, low-cost way to manage their finances.
There are no monthly fees, no overdraft fees, and no credit checks required to open an account.
Customers receive a free Novo Business Debit Card, unlimited invoicing, and seamless integrations with QuickBooks, Stripe, Shopify, and PayPal.
The account also includes built-in budgeting tools to help track expenses and manage cash flow.
Novo covers ATM fees with reimbursements and does not charge for incoming or outgoing ACH transfers.
Business owners can open an account online in just a few minutes, making it a convenient option for modern banking needs.
7. Walmart MoneyCard
No monthly fee with direct deposit of $500 or more
Earn up to 3% cash back on purchases
Overdraft protection covering up to $200 with eligible direct deposits
2.00% APY on savings
The Walmart MoneyCard is a prepaid debit card that works like a checking account while offering cashback rewards and savings perks.
There are no credit checks required, and the monthly fee is waived with a direct deposit of $500 or more.
Cardholders can earn up to 3% cash back on Walmart.com purchases, 2% at Walmart fuel stations, and 1% at Walmart stores, with a maximum of $75 in rewards each year.
The card also includes overdraft protection of up to $200 with opt-in and an eligible direct deposit.
Direct deposit users can get paid up to two days early, while government benefits may arrive up to four days sooner.
Additionally, savings balances earn 2.00% APY, and users have the chance to win cash prizes each month.
8. Upgrade
No monthly fees or overdraft fees
No minimum opening deposit
Get paid up to 2 days early
Earn up to 2% cash back on select purchases
Upgrade Rewards Checking Plus is a strong option for anyone looking for a fee-free checking account with built-in perks.
There are no monthly fees, overdraft fees, or deposit requirements, making it an easy and flexible choice for everyday banking.
One of its biggest advantages is the cashback program. Account holders can earn 2% back on purchases at restaurants, drugstores, and streaming services, plus 1% on all other purchases when they receive at least $1,000 in direct deposits each month.
Savings balances earn up to 4.02% APY, and customers may qualify for 20% lower rates on Upgrade loans and credit cards. Withdrawals are free at over 55,000 ATMs, and direct deposit customers can get paid up to two days early.
9. Capital One
No monthly fees
Early direct deposit available
Earn up to 3.70% APY
Over 70,000 fee-free ATMs
Capital One offers a hassle-free banking experience with no monthly fees and no minimum deposit requirements.
Customers can take advantage of early direct deposit, getting paid up to two days sooner.
The high-yield savings account provides an interest rate of up to 3.70% APY, making it a strong option for those looking to grow their savings.
Checking account holders also get access to over 70,000 fee-free ATMs nationwide, making it easy to withdraw cash without extra charges.
10. Navy Federal Credit Union
No monthly fee
Over 30,000 fee-free ATMs
ATM fee rebates (up to $240 a year)
Get your paycheck a day early with direct deposit
Navy Federal Credit Union offers checking accounts with no monthly fees, no minimum balance requirements, and no ChexSystems review.
Membership is open to active and retired military personnel, including those in the Armed Forces, National Guard, Coast Guard, and the Department of Defense.
Eligible members can choose between Free Easy Checking and Free Active Duty Checking, both of which come with access to over 30,000 fee-free ATMs.
Account holders can also receive up to $240 in ATM fee rebates per year. With direct deposit, paychecks can arrive a day early, adding extra convenience.
Beyond checking accounts, Navy Federal provides a full range of financial services, including mortgages, auto loans, and credit cards, making it a strong option for military families and veterans.
11. Varo Bank
Varo Bank is a fully digital banking option with no monthly fees, no minimum deposit requirements, and no hidden charges.
As an online-only bank, it eliminates traditional banking costs, allowing customers to access modern features without extra fees.
Direct deposit users can get paid up to two days early, and the account supports transfers through Apple Pay, Google Pay, and PayPal.
Varo also provides a free Visa debit card and access to over 55,000 fee-free Allpoint ATMs.
The mobile app makes it easy to manage finances, deposit checks, and track spending from anywhere.
12. PenFed Credit Union
PenFed Credit Union offers a full-service banking experience without requiring a ChexSystems review.
Membership is open to all U.S. residents, with no military service requirement.
The Access America Checking account has no monthly fees if you maintain a $500 balance or receive at least $500 in direct deposits each month.
Account holders can also get paid up to two days early with direct deposit.
Customers have access to over 85,000 fee-free ATMs nationwide and a mobile app that supports check deposits and bill pay.
Checking balances can earn up to 2.00% APY when qualifying deposit requirements are met.
13. Langley Federal Credit Union
Langley FCU offers checking accounts without a ChexSystems review, making it an option for those with past banking issues.
While based in Virginia, membership is open to customers in all 50 states.
To open a checking account, you’ll first need to open a share savings account with a $5 minimum deposit.
There are no monthly maintenance fees or minimum balance requirements.
Members get access to free online and mobile banking, online bill pay, and over 55,000 fee-free Allpoint ATMs nationwide. Direct deposit users can also get paid up to three days early.
14. Renasant Bank
Renasant Bank offers checking accounts without a ChexSystems, EWS, or TeleCheck review, making it a solid option for those with past banking issues.
However, applicants with unpaid balances owed to the bank may not qualify.
A $50 deposit is required to open an account. The Simple Checking account includes unlimited check writing and a Mastercard debit card.
The $10 monthly fee can be waived by enrolling in eStatements, setting up direct deposit, or maintaining a daily balance of at least $1,000.
Customers can manage their accounts through digital banking tools, and in-person banking is available at branches in Alabama, Florida, Georgia, Mississippi, and Tennessee.
15. 1st Convenience Bank
1st Convenience Bank, a division of First National Bank of Texas, offers checking accounts for residents of Texas, New Mexico, Arkansas, and Arizona.
The most popular option is the Power Account, which provides a mix of convenience and security with the ability to avoid monthly fees.
Customers looking to earn interest can choose the Checking with Interest account, while those with higher balances may qualify for better rates with the President Select High Yield Checking account.
A minimum deposit of $20 is required to open an account. The $5 monthly service charge can be waived by meeting certain conditions.
16. Huntington National Bank
Huntington Bank’s Asterisk-Free Checking® account offers a simple, fee-free banking option with no monthly maintenance fees, no minimum deposit, and no ongoing balance requirements.
The account includes a mobile app, early paycheck access, and financial management tools.
Huntington also provides a $50 Safety Zone℠ and 24-Hour Grace® feature, giving customers extra time to cover overdrafts and avoid fees.
While Huntington does use ChexSystems, applicants may still qualify if they don’t owe money to the bank. However, those with an EWS record may not be eligible.
Huntington National Bank has branches in Ohio, Michigan, Illinois, Indiana, Kentucky, West Virginia, Pennsylvania, and Wisconsin, with planned expansions into North Carolina and South Carolina.
17. Cadence Bank
Cadence Bank’s My Way Checking account offers an alternative to ChexSystems for those looking to open a new account. A $50 deposit is required to get started.
The $8 monthly fee can be waived by meeting one of several conditions: maintaining a daily balance of $250, making five debit card purchases, receiving a direct deposit of at least $100, or being a student under 25.
Account holders receive a free debit card, access to bill pay, mobile wallet compatibility, and 24/7 account support. Paper statements cost $2 per month, but online statements are free.
Cadence Bank operates over 350 branches across nine states, including Mississippi, Texas, Alabama, Arkansas, Georgia, Florida, Louisiana, Tennessee, and Missouri.
18. Regions Bank
Regions Bank offers multiple checking account options with monthly fees ranging from $5 to $18. In some cases, these fees can be waived by maintaining a certain balance or setting up direct deposits.
For those looking for a simple banking option, the Regions Now Checking® account requires a $10 opening deposit and has a fixed $5 monthly fee, which cannot be waived.
It includes unlimited check writing and access to online bill pay. Overdraft fees are not charged, as transactions exceeding the available balance are typically declined.
Regions Bank has branches across several states, including Alabama, Arkansas, Florida, Georgia, Iowa, Illinois, Indiana, Kentucky, Louisiana, Missouri, Mississippi, North Carolina, South Carolina, Tennessee, and Texas.
19. United Bank
United Bank offers a hassle-free checking option with no monthly fees or balance requirements.
The United Free Checking account requires a $50 deposit to open and includes a free United VISA® Debit Card, online bill pay, eStatements, and mobile check deposit.
For those looking for added benefits, the United Rewards Checking account offers credit and identity monitoring, cell phone protection, and discounts on travel and entertainment.
The $10 monthly fee can be waived by making 15 debit card purchases or receiving at least $500 in direct deposits per statement cycle.
United Bank has branches in Maryland, Ohio, Pennsylvania, Virginia, West Virginia, and Washington, D.C.
There are no monthly maintenance fees or minimum balance requirements, making it a flexible choice for everyday banking.
One of its biggest benefits is the high-yield savings account, which offers up to 3.00% APY—much higher than what most traditional banks provide.
Customers can withdraw cash at over 30,000 fee-free CO-OP network ATMs nationwide. The account also includes real-time fraud monitoring and free overdraft transfers for added security.
Deposits are federally insured by the NCUA, providing extra peace of mind.
The Better Than Free Checking account has no monthly service fees and includes a complimentary first box of checks.
For young adults aged 15 to 21, the On My Own (OMO) Checking account helps build financial skills.
Members 50 and older can choose the Select Checking account, which includes an annual free box of checks.
For those looking to earn interest, the High Yield Checking account offers a 3.25% APY on deposited funds.
Membership is primarily available to employees of Kroger and select other companies.
What is ChexSystems?
ChexSystems is a consumer reporting agency that tracks banking activity, specifically negative account history. Banks and credit unions use ChexSystems to assess the risk of opening a new bank account for an applicant.
If you’ve had a bank account closed due to bounced checks, unpaid fees, frequent overdrafts, negative balances, or suspicious activity, that information is likely recorded in your ChexSystems report. Most banks review these reports when deciding whether to approve a new account. A negative record can make it harder to open a traditional checking or savings account.
ChexSystems records typically stay on file for up to five years, but not all banks rely on them. Some financial institutions either don’t use ChexSystems at all or are more lenient with their account approval process.
Why ChexSystems Makes It Harder to Open a Bank Account
Most banks use ChexSystems to screen applicants for past overdrafts, unpaid fees, or closed accounts. If your report shows negative activity, you could be denied a new checking account—even if the issue was small or happened years ago.
That doesn’t mean you’re out of options.
Plenty of banks either skip ChexSystems entirely or are more flexible with their approval process. Others offer second chance checking accounts—these are designed for people with past banking issues and can be a solid step toward rebuilding your financial track record.
If you’ve struggled to open an account, switching to a non-ChexSystems bank or second chance account could be the fastest way to get back on track. You’ll be able to pay bills online, receive direct deposit, and avoid check-cashing fees—all without jumping through extra hoops.
How to Get a Bank Account If You’re in ChexSystems
If a ChexSystems record is keeping you from opening a new bank account, you still have options. Many banks don’t use ChexSystems at all, while others offer second chance accounts designed for people rebuilding their banking history.
Non-ChexSystems banks are the easiest solution. These banks don’t check your ChexSystems report, so past banking mistakes won’t prevent you from getting approved. Online banks like SoFi and Current, as well as major institutions like Chase and Capital One, offer full-service checking accounts without ChexSystems screening.
Second chance banking is another option. Some banks use ChexSystems, but are more forgiving if your record doesn’t involve fraud. These accounts may come with monthly fees or restrictions, but they can be a stepping stone to a standard checking account.
Regardless of which option you choose, keeping your account in good standing will help you move beyond ChexSystems and regain full banking access.
Benefits of Non-ChexSystems Banks
Choosing a bank that doesn’t use ChexSystems can make life easier if you’ve had past banking issues. These banks provide a fresh start with fewer restrictions, allowing you to manage your finances without the stress of being denied an account. Here are the key benefits:
Easier Approval
Non-ChexSystems banks don’t check your ChexSystems report, so past overdrafts, negative balances, or account closures won’t prevent you from opening an account. This gives you the opportunity to access full banking services, even if you’ve faced financial setbacks before.
Lower Fees and No Hidden Costs
Many banks that don’t use ChexSystems are online banks or fintech companies that prioritize affordability. They often offer checking accounts with no monthly fees, no overdraft charges, and no surprise costs. Some even provide ATM fee reimbursements or cashback rewards, giving you extra value.
No Minimum Deposits or Balance Requirements
Traditional banks sometimes require you to deposit a set amount to open an account or maintain a minimum balance to avoid fees. Many non-ChexSystems banks eliminate these requirements, making them more accessible, especially if you’re working with a tight budget.
Access to Online and Mobile Banking
Most banks that don’t use ChexSystems operate primarily online, offering advanced mobile apps with features like early direct deposit, mobile check deposit, bill pay, and instant money transfers. This gives you full control of your finances from your phone or computer, without needing to visit a branch.
Second Chance to Rebuild Your Banking History
Even if you’ve been denied a bank account in the past, banks that don’t use ChexSystems offer a way to start fresh. Keeping an account in good standing—by avoiding overdrafts and maintaining positive balances—can help you rebuild your banking record. Over time, this can improve your financial stability and make it easier to qualify for other financial products.
Non-ChexSystems banks provide an opportunity to manage your money without past mistakes holding you back. Whether you prefer a traditional bank, an online-only option, or a fintech account with extra perks, there are plenty of choices available.
What to Look for in a Bank That Doesn’t Use ChexSystems
If you’re choosing a bank that doesn’t use ChexSystems, not all accounts are the same. Some offer more features, lower fees, or better perks. Here’s what to consider before opening an account:
No or Low Monthly Fees – Some banks charge monthly fees, but many waive them if you meet simple requirements like setting up direct deposit or making a few debit card transactions per month.
Access to ATMs and In-Person Services – Even if you prefer online banking, having access to fee-free ATMs or branch locations can be useful. Look for ATM reimbursement programs or a wide ATM network.
Deposit and Withdrawal Options – A good account should support mobile check deposits, direct deposits, ACH transfers, and cash withdrawals without extra fees. Some online banks allow cash deposits at retail partners.
Online and Mobile Banking Features – Strong mobile apps let you check balances, transfer money, deposit checks, and pay bills easily. Look for extras like budgeting tools, early direct deposit, and transaction alerts.
Overdraft Protection or No Overdraft Fees – Some accounts offer a small overdraft cushion, while others decline transactions that exceed your balance. Choosing a bank with no overdraft fees can help you avoid unnecessary charges.
Opportunities to Rebuild Your Banking History – Some banks that don’t use ChexSystems report to Early Warning Services (EWS) or credit bureaus, which can help you improve your financial standing over time.
Finding the right non-ChexSystems account means choosing a bank that fits your financial habits. Whether you need easy deposits, strong mobile features, or lower fees, there’s an option that works for you.
Alternatives to Banks That Don’t Use ChexSystems
If you can’t find the right non-ChexSystems bank, there are other options to manage your money. These alternatives offer different ways to access banking services, even if you have a ChexSystems record.
Second Chance Checking Accounts – Some banks and credit unions offer second chance checking accounts designed for people with a history of banking issues. These accounts may have monthly fees or restrictions but provide a way to rebuild your banking history.
Prepaid Debit Cards – A prepaid card works like a debit card but isn’t tied to a bank account. You load money onto the card and use it for purchases, bill payments, or ATM withdrawals. Keep in mind that some prepaid cards charge fees for reloading or ATM usage. Take a look at these top-rated prepaid debit cards to find one that fits your needs.
Secured Credit Cards: With a secured credit card, you can make purchases online and in stores. However, it does come with some drawbacks. A cash security deposit is required, and any credit card balances not paid in full will incur interest. These cards are generally used to improve your credit score. Here are some of the best secured credit cards.
Online-Only Financial Platforms – Services like PayPal, Cash App, and Venmo allow you to send and receive money, pay bills, and even get a debit card. However, they don’t always offer the same protections as a traditional bank.
Brokerage Cash Management Accounts – Some investment firms offer cash management accounts that function like checking accounts, with debit cards, direct deposit, and bill pay. These accounts are often designed for investors but can be an option for everyday banking.
Foreign Bank Accounts: If you live near the Canadian or Mexican border, opening a bank account in another country may be an option. Approval requirements differ and may work in your favor if you’re having trouble in the U.S.
Final Thoughts
Finding a bank that doesn’t use ChexSystems can make managing your finances easier, especially if past banking issues have limited your options. The banks on this list offer flexible, low-fee accounts that can help you regain control of your money without unnecessary barriers.
If you’re looking for a long-term solution, consider working to remove inaccurate or outdated records from ChexSystems. Under the Fair Credit Reporting Act, you have the right to dispute any incorrect information. Taking steps to clear your record can open up even more banking opportunities in the future.
No matter your situation, there’s a banking option that fits your needs. Whether you choose a bank that doesn’t use ChexSystems, a second chance bank account, or another alternative, the key is finding an account that supports your financial goals.
Frequently Asked Questions
How do I find out if I’m in ChexSystems?
You can request a free copy of your ChexSystems report once every 12 months at chexsystems.com. You can also request it by mail or phone. This report will show any negative marks reported by banks, such as unpaid fees or account closures.
Can I open a bank account while I’m in ChexSystems?
Can I open a bank account if I owe money to another bank?
If you owe money to a bank, it may be reported to ChexSystems, making it harder to open a new account at banks that use their screening service. Your best option is to apply for an account with a bank that doesn’t use ChexSystems or consider paying off the balance to improve your chances elsewhere.
Do banks check my credit when I apply for a checking account?
Most banks don’t check your credit score when you open a checking account, but some may pull a credit report, especially if you’re applying for overdraft protection or a linked credit product. If you’re concerned about a credit check, look for banks that explicitly state they don’t check credit reports.
How long does a record stay in ChexSystems?
Most negative items stay on your ChexSystems report for up to five years, even if you’ve paid off the debt. If the information is inaccurate or outdated, you can dispute it and request removal.
Can I remove myself from ChexSystems?
You can’t opt out of ChexSystems entirely, but you can dispute incorrect information or ask banks to update your file if you’ve repaid a debt. If the dispute is successful, ChexSystems must remove the item under the Fair Credit Reporting Act (FCRA).
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