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10 Online Checking Accounts With No ChexSystems To Open Instantly

10 best options to open a checking account online instantly at a bank that does not use ChexSystems.

Online checking accounts with no ChexSystems offer unbanked people the opportunity to enjoy the convenience of a bank account.

There's no reason for U.S. consumers to be unbanked with access to online and digital banking options.

10 Best Online Checking Accounts, No-ChexSystems

These online banks that don't use ChexSystems can be opened instantly giving you access to an account and routing number.

A Closer Look At The Best Online Checking Accounts, No-ChexSystems


Best for Cash Back Rewards
Upgrade® is a financial technology company, not a bank. Rewards Checking Plus services provided by Cross River Bank, Member FDIC. Upgrade provides a range of financial services including checking accounts, credit cards and personal loans.
The Rewards Checking Plus account earns 2% cash back on specific types of purchases and 1% cash back on all other purchases.
$0 Opening Deposit
No monthly fees
Up to 2% cash back on purchases1
Get paid up to 2 days early2
Add Performance Savings to earn up to 5.07% APY3
Deposits are FDIC insured

SoFi Bank

Best for Bank Bonus up to $325
SoFi Bank operates online across the U.S. with headquarters in San Francisco, CA. SoFi is a good choice for customers that want access to numerous financial services, including high-interest savings, student, mortgage and personal loans and investing.
New customers get $25 for opening a new checking account with a minimum $10 opening deposit funded with a debit card. Customers that set up a qualifying direct deposit are eligible for an additional bonus up to $300.
SoFi offers competitive yields on both its checking and savings accounts.
Get paid up to two days early with direct deposit
Extensive ATM network
Cash back at select retailers up to 15%
No fees for overdrafts or account maintenance
Up to $2 million in FDIC insurance through the SoFi Insured Deposit Program

OneUnited Bank

Best for No-Credit Check Cash Advance
OneUnited Bank operates online across the U.S. with a few branch locations in California, Florida and Massachusetts. OneUnited is a good choice for customers that want access to numerous financial services that help build credit, including a no-credit check cash advance up to $1,000.
$25 minimum deposit to open
Get paid up to two days early with direct deposit
Obtain cash, surcharge free at over 100,000+ ATMs nationwide
No-credit check cash advance loan up to $1,000
Add cash to your OneUnited Bank Debit Card at over 90,000 locations across the country
Member FDIC-Insured


Best for Investing Spare Change
Acorns Checking operates online across the U.S. The checking account automatically saves and invests the spare change when you use your debit card for purchases.
Customers have access to 55,000+ fee-free ATMs within the AllPoint Network. Acorns is not a bank. Acorns Visa™ debit cards are issued by Lincoln Savings Bank or nbkc bank, Members FDIC for Acorns Checking account holders.
$10 Opening Deposit.
No hidden fees. No minimum balance fees. No overdraft fees.
Get paid up to two days early with direct deposit.
Instantly invest your spare change with every swipe of your debit card.
Mobile check deposit, digital checks, things your bank can do, and more.
Get a personalized heavy metal, laser engraved Acorns Visa™ debit card.
FDIC-insured up to $250,000

Consumers Credit Union

Best for High-Interest Checking
Consumers Credit Union is located in Illinois but operates online across the U.S. New members are welcome for a $5 membership fee through the Consumers Cooperative Association. Consumers Credit Union’s Rewards Checking is noteworthy thanks to a rate that can go up to 5.00% APY although there are some strings attached.
Earn up to 5.0% APY if you meet specific requirements.
There’s no minimum balance to open.
Unlimited reimbursement for any and all ATM fee.
Over 30,000 ATMs & over 5,000 shared branches.
Mobile deposits, online banking and bill pay.
Get paid as much as two days early with early direct deposit.
NCUA-insured up to $250,000.

Albert Banking

Best for $250 Cash Advance
Albert is an all-in-one app that handles multiple financial tasks from automating savings and budget management to tailoring a personalized investment portfolio. Albert is not a bank. Banking services provided by Sutton Bank, Member FDIC.
Offers fee-free cash advances up to $250.
55,000+ fee-free AllPoint ATMs.
Earn up to 20% cash back on gas, groceries, and more.
$0 minimum balance and $0 maintenance fees.
Start building your investment portfolio with as little as $1.
FDIC-insured up to $250,000.

Axos Bank

Best for ATM Fee Reimbursement
Axos Bank is one of the first online-only banks in the US primarily focused on providing full banking services through digital platforms along with an extensive network of fee-free ATMs.
$50 Minimum Opening Deposit.
No monthly maintenance fees.
Unlimited ATM fee reimbursements on many accounts.
Fees for insufficient funds and stop payment.
Earn $100 bonus by setting up direct deposit. Use promo code "RC100".
FDIC-insured up to $250,000.

Current Banking

Best for no monthly fees
Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.
Current provides a range of financial services, including a debit card, savings account and credit builder card through its intuitive mobile app.
Build credit with every swipe if you set up direct deposit.
Get paid up to 2 days faster.
Get fee-free overdraft.
Earn points on swipes for cash back.
No credit checks or history required.
FDIC-insured up to $250,000.

Novo Business Banking

Best for Business Checking
Novo is a fintech company; not a bank. Deposit account services provided by Middlesex Federal Savings, F.A., Member FDIC.
Novo's business checking is a good choice for busy small-business owners who prioritize digital banking. With no monthly fees and the added benefit of unlimited ATM charge refunds, this account is tailored to meet the needs of entrepreneurs.
Up to 95% faster payments with Novo Boost.
No monthly fees or minimum balance requirements.
Free ACH Transfers.
Connections to thousands of business apps.
Unlimited ATM fee refunds.
FDIC-insured up to $250,000.

Things to Consider About No-ChexSystems Banks

Overall anyone unable to open a bank account due to ChexSystems, EWS, or bad credit needs a second chance at banking. However, there are a few things to consider about banks offering online checking accounts – no ChexSystems:

  • Cashier's checks. Online banks do not typically issue money orders, certified checks, or cashier checks.
  • Paper statements. Most online banks only offer statements via online where customers can download and view PDF statements by month and year.
  • Bank transfers through Zelle. Zelle is compatible with nearly all major banks, but some fintechs like Upgrade, may offer alternative transfer mobile banking apps.
  • Check writing. Writing checks may not be available at all banks that don't use ChexSystems.
  • High-interest savings rate. Banks online often feature higher savings interest rates than traditional banking institutions, however, your money may not be accessible with a debit card or ATM card. Withdrawals are typically through transfer, unless you have a connected checking account with a debit card like SoFi Bank.

Why ChexSystems Exists

ChexSystems is designed to help banks identify fraudulent activity. It allows banks to report consumer banking activity that's considered negative as well as consumer banking habits and activities, for example:

  • You fail to pay an overdraft fee for as little as $5, can end up in ChexSystems.
  • Any banking account closures including bank closures with negative balances.
  • Any returned (bounced) checks.
  • Number of inquiries that have been made when you apply for a bank account and in what time frames.
  • How many check orders you have placed and how often.

ChexSystems Removal Strategies

ChexSystems removal should be considered because even if you pay the bank in full, the bank must update ChexSystems but ChexSystems is under no obligation to remove the record.

ChexSystems is consumer reporting company. If you find information in your consumer report that you believe is inaccurate or incomplete, you have the legal right to dispute the report’s content with the consumer reporting company and the bank that shared the information to ChexSystems.

Under the Fair Credit Reporting Act (FCRA), ChexSystems or the bank that reported you has to verify the negative mark within 30 days or delete it from your ChexSystems report.

Here are several ChexSystems removal strategies:

1. Dispute directly with ChexSystems. Request verification from ChexSystems:

  • Gather the facts and include specific information as to what you are disputing and an explanation of the basis for your dispute.
  • Request that ChexSystems validate the information being reported, by contacting the bank. If the bank provides ChexSystems with any documentation connected to your signature, request that ChexSystems send you copies.
  • Let ChexSystems know if the bank cannot furnish documentation with your signature, request that ChexSystems remove the account being reported.

2. Dispute directly with the bank. Request debt validation from the bank.

  • Request validation per the Fair Debt Collection Practices Act.
  • Ask the bank to provide full validation under the law, to include copies of completed and signed documentation indicating you have a contractual obligation to pay.
  • Per the Fair Credit Reporting Act, any debt which cannot be properly validated may not be reported to a consumer reporting company.
  • Failure to remove inaccurate information will be documented as a violation of the Fair Credit Reporting Act for the purpose of pursuing legal remedies under consumer laws.

3. Negotiate a pay for deletion. The bank or credit union may be open to negotiating a pay off to clear your records. If they will not agree to remove you from ChexSystems, ask the bank to update the information in ChexSystems indicating that the debt has been paid. Be sure to keep copies of all the paperwork documenting the payoff.

4. Bankruptcy. If you have filed bankruptcy, ChexSystems will remove your records.

5. Make complaints. File complaints with one or several of the banking regulators:

How to get your ChexSystems report online

You are entitled to request a copy of your ChexSystems Report at your request, once every 12 months. However, due to the COVID-19 Pandemic, you can get your ChexSystems report online for free request 3 times per every two-week period.

Final thoughts

It’s become clear that consumers enjoy smart, safe, and convenient ways to bank. Digital banking can be a means by which consumers without a bank association can begin to bank again. Digital banking is not just apps and sites, it's full-service banking that offers customers the best of both worlds.

Benefit from new technology to open an online checking account – no ChexSystems. A ChexSystems record, paid or unpaid, can remain up to 5 years and millions of people are unbanked because they have been flagged as high risk.

Upgrade Disclaimers

1 Rewards Checking Plus customers who set-up monthly direct deposits of $1,000 or more earn 2% cash back on common everyday expenses at convenience stores, drugstores, restaurants and bars – including deliveries – and gas stations, as well as recurring payments on utilities and monthly subscriptions including phone, cable, TV and other streaming services, and 1% cash back on all other debit card purchases. 2% cash back is limited to $500 in rewards per calendar year; after $500, customers earn 1% cash back on all eligible debit card purchases for the remainder of the year. Rewards Checking Plus accounts with less than $1,000 in monthly direct deposits 60 days after account opening will earn 1% cash back on common everyday expenses and 0.50% cash back on all other eligible debit card purchases. Some limitations apply. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information.
2 Early direct deposit requires set up of recurring electronic direct deposit from your employer, payroll, or benefits provider and is limited to direct deposits under $5000. Early access to direct deposit funds depends on the timing in which we receive notice of impending direct deposit, which is generally up to two days before the scheduled deposit date.
3 The 1.5% Annual Percentage Yield (APY) for the Performance Savings account is effective as of June 1, 2023. The APY for the Performance Savings account is variable and may change at any time. Active Accounts qualify for 5.07% APY with monthly $1000 direct deposit. The APY for Active Accounts is effective as of September 1, 2023, is variable, and may change at any time. Please refer to the applicable Cross River Bank Performance Savings Deposit Account Agreement and Truth in Savings Disclosure. To earn APY, you must open and fund a Performance Savings account. Rewards Checking Plus accounts do not earn APY.

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Best online savings rates

The national savings rate is 0.47% APY. This online bank pays way more.

CIT Bank

Platinum Savings
5.05% APY
Minimum $5,000 balance
No maintenance fees
Mobile & Online Banking
Deposits are FDIC insured


5.21% APY
Minimum $1,000 balance
No maintenance fees
Mobile & Online Banking
Deposits are FDIC insured

Quontic Bank

4.50% APY
Minimum $100 balance
No maintenance fees
Mobile & Online Banking
Deposits are FDIC insured
Disclaimer: Our goal is to provide the most relevant and current information. However, the information is for informational purposes only and is not intended to be personal financial advice.

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