You can also see our list of Best Second Chance Accounts, which are accounts for people with EWS, Telecheck or our updated list of Non ChexSystems banks. If you don't see a credit union on the list that makes it easy for anyone to qualify for membership, please let us know. If you or a family member is a member of the military, then Navy Federal Credit Union is a... 2. Below is the most comprehensive list of banks and credit unions in CALIFORNIA which don’t use ChexSystems and they may approve you for a bank account.. Finally, the site may receive compensation from third-party advertisers. Checking Accounts For Bad Chexsystems. Third Chance Checking Accounts . There is a $50 minimum opening deposit, overdraft protection, and ability to upgrade after 12 months. The... 3. California. And if you ever need to visit an ATM, then Southwest Financial has got you covered. Our reviews are based on independent research. State Department Federal Credit Union (SDFCU) offers memberships to individuals affiliated with the Department of State. Their checking options include Free Checking, Go Green! But you don't have to let a poor ChexSystems score block your access to essential banking services. You can look for banks who don't use ChexSystems or Telecheckor non ChexSystems credit unions to open your account. If you are one of those who have been listed in Chexsystems, you are strongly suggested to try these banks. We cannot guarantee any of the banks listed won’t do a non chexsystems check (though at the time of compiling, these banks don’t require a chexsystems check). Banks offering Second Chance Checking will almost always check ChexSystems. More importantly, it only requires a $25 opening deposit and there is no monthly service charge or required minimum account balance. If you're one of the over 1 million households in California without a bank account, access to a growing economy can seem out of reach. Benefits of banks that don’t use ChexSystems. Around 15% of bank applicants get rejected for new checking accounts each and every day. Wherever you are in the US, there are always affordable and lenient banking services available near you. Banks That Do Not Use Chexsystems. They currently have over 80,000 members worldwide. These alternatives are great if you’d rather not have to interface with a bank to start an account. Most of the banks do not require an opening deposit. Most people get flagged for bouncing too many checks or not being in a position to pay excessive returned … See here for a full list of those eligible. Start Looking for Alternatives Today. The consumer reporting agency keeps a record of any banking issues you’ve had over the years under the Fair Credit Reporting Act (FCRA). Checking Accounts That Don't Use Chexsystems. Secured vs. Befit Financial Federal Credit Union: Fresh Start Checking ; ... it depends on your bank or credit union. Alliance Federal Credit Union: ... Another option for people denied a checking account is to find non ChexSystems banks that don't use ChexSystems to open checking accounts. This bank account can be applied for nationally and they have a reputation for giving accounts to customers with bad banking history — like you. Southwest Financial Federal Credit Union is based in Dallas, but members can join from anywhere, thanks to their 100% virtual services. Please note that the information about non chexsystems banks changes each year (even month). They have 5 branches. So, getting a checking account while on chexsystems is not that hard. Plus, Aspire partners with a number of companies to provide its members with valuable discounts. Crediful is committed to helping you make smarter financial decisions by presenting you with the best information possible. Disclaimer: Crediful does its best to maintain accurate and updated information. You’ll also receive access to free online banking, free check deposit, and a free Visa card. What does this mean for you? Either way, you are able to rebuild your credit by using these alternative banks or credit unions. This can mean that they may require a deposit to be held in reserve, in case of NSF fees, etc. However, our web content may be different than the information you receive from a financial institution or service provider. And you can access more than 38,000 ATMs across the country. The Best Banks & Credit Unions in Georgia That Don't Use ChexSystems See editor's choice ChexSystems can be a real pain to deal with when you’re trying …