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Can’t Open A Bank Account Because Of ChexSystems? 15 No-ChexSytems Options

15 Banks to open a checking account when you're in ChexSystems.
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If you can't open a bank account because of ChexSystems, there are several No-Chexsystems banks that will give you a second chance.

When a bank reports you to ChexSystems, those records can hang over your head for 5 years. Unless you successfully engage in a ChexSystems removal strategy, 5 years is too long to go without a bank account.

Here is our list of the best No-ChexSystems banks.

15 Best No-ChexSystems Banks

1. Upgrade Rewards Checking.

2. Chime Checking Account.

3. Acorns Checking Account.

4. OneUnited Bank Checking.

5. Current Checking.

6. Albert Banking.

7. SoFi Checking & Savings.

8. Axos Bank Rewards Checking.

9. GTE Financial Go Further Checking.

10. Novo Business Checking.

11. NorthOne Business Checking.

12. Green Dot Bank.

13. Unify Financial Right Start Checking.

14. Chase Secure Banking.

15. US Bank Safe Debit Account.

Establish a financial relationship with a bank that does not use ChexSystems and rebuild your banking history.

No-ChexSystems Banks Benefits & Features


1. Upgrade

Features and Benefits

Upgrade Rewards checking account does not use ChexSystems. The no-fee checking account that earns you 2% cash back on common everyday expenses like groceries, gas and utilities, 1% on everything else. No ATM fee, no account fee, no monthly or annual fee, no transfer fee, no overdraft fee.

  • Opening deposit. Upgrade is a free online checking account with no opening deposit.
  • No account fees. No ATM fees, no account fees, no transfer fees.
  • Savings. Pair with a 3.50% APY High Yield Savings account and reach your goals faster.
  • 2% Cashback. On purchases at certain merchants from drug stores, gas stations, monthly subscriptions, restaurants and cell phone companies.
  • 1% Cashback. Unlimited 1% cash back on all other charges.
  • FDIC-Insured. Up to $250,000.


2. Chime

Features and Benefits

Chime checking account does not use ChexSystems or credit reports to open new accounts. Chime's mobile app is rated both the iOS version and the Android version 4.8 stars, both out of 5. Customers get access to balance updates and real-time transaction alerts and debit card management tools to change PIN number or block card if lost or stolen.

  • Opening deposit. Chime is a free online checking account with no opening deposit.
  • No account fees. No monthly, transfer, or overdraft fees.
  • ATM fees. Fee-free withdrawals at over 60,000 ATMs.
  • Savings. Pair with a 2.50% APY High Yield Savings account.
  • Early paycheck. Paycheck arrives up to two days early with direct deposit.
  • Overdraft protection. Chime SpotMe® lets you overdraft up to $200 on debit card purchases with no fees with qualifying direct deposit.
  • Cash Deposit. Cash deposit is offered through third-party retailers.
  • FDIC-Insured. Up to $250,000.


3. Acorns

Features and Benefits

Acorns checking account provides an account with no overdraft fees and free access to 55,000+ ATMs. Acorns combines banking and investing by automatically investing your spare change every time you make a debit card purchase. The Acorns marketplace gives customers a small percentage back on purchases made at hundreds of major retailers, including Walmart. The cash back that you earn shopping on Found Money is placed in your Acorns Invest account.

  • Opening deposit. $5 opening deposit.
  • Account fees. $5 monthly service fee.
  • ATM fees. Acorns Checking does not charge fees on ATM transactions.
  • Visa Debit Card. Free debit card and the option to lock/unlock the card if lost or stolen.
  • Early paycheck. Paycheck arrives up to two days early with direct deposit.
  • Free bill pay. Online Bill Pay allows you to pay bills easily from your account.
  • Online banking. Acorns Checking allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
  • FDIC-Insured. Up to $250,000.


4. OneUnited

Features and Benefits

OneUnited's checking accounts lets you add cash at over 90,000 locations across the country through a partnership with Green Dot®. The cash advance feature called CashPlease offers a short-term loan up to $1,000 without a credit check. Upon approval, loan funds deposited within 4 hours and you get up to 90 days to repay the short term loan.

  • Opening deposit. $25 (can be funded with a credit card).
  • Account fees. No monthly service fee.
  • ATM fees. Obtain Cash, Surcharge Free at Over 37,000+ ATMs Nationwide.
  • Early paycheck. Paycheck arrives up to two days early with direct deposit.
  • Free bill pay. Online Bill Pay allows you to pay bills easily from your account.
  • Rewards. Make purchases to earn points that can be redeemed for exclusive gifts and merchandise, including jewelry, luggage, tools, gift cards and trips.
  • FDIC-Insured. Up to $250,000.


4. Current

Features and Benefits

Current lets you add cash at over 60,000 retailers across the country. The Current Account does not use ChexSystems or pull a credit report to open accounts. The savings pod feature with Current Banking earns 4.00% up to a $6,000 balance.

  • Opening deposit. $10 minimum deposit.
  • Account fees. No monthly service fee.
  • ATM fees. 40,000 fee-free Allpoint ATMs in the U.S.
  • Savings. Earn 4.00% APY up to $6,000
  • Early paycheck. Paycheck arrives up to two days early with direct deposit.
  • Overdraft protection. No overdraft fees when you overdraw by up to $200 with Overdrive™.
  • Cash deposits. Make cash deposits at more than 60,000 retailers, including participating CVS Pharmacy, 7-Eleven, Dollar General, and Family Dollar.
  • Cashback. Earn points for unlimited cashback at participating retailers.
  • FDIC-Insured. Up to $250,000.


6. Albert

Features and Benefits

Albert banking will spot you up to $250 so you can make ends meet. There are no late fees, interest, or credit check for the cash advance. If set up direct deposit you'll get your paycheck up to 2 days early. You get a free Mastercard debit card that you can earn cashback on gas️, groceries, delivery, and more.

  • Opening deposit. No opening deposit requirement.
  • No account fees. $0 minimum balance and $0 maintenance fees.
  • ATM fees. Withdraw cash for free at over 55,000 ATMs.
  • Cash Advance. Advance up to $250 from your next paycheck.
  • Early paycheck. Paycheck arrives up to two days early with direct deposit.
  • Cash back. Earn up to 20% cash back.
  • FDIC-Insured. Up to $250,000.


7. SoFi Bank

Features and Benefits

SoFi Checking and Savings is a combination account under one roof. You can’t open a standalone checking or savings account with SoFi Bank. As a full-service bank, SoFi offers several financial products, including credit cards, personal, mortgage, car and student loans.

  • Opening deposit. $50 to open an account.
  • Account fees. No monthly maintenance fees or overdraft fees.
  • ATM fees. Fee-free access to more than 55,000 Allpoint ATMs..
  • Savings. Earn 3.00% APY on all balances if you set up direct deposit or 1.20% APY without direct deposit.
  • Early paycheck. Paycheck arrives up to two days early with direct deposit.
  • Bonus. Get $25 when you sign up for a SoFi Checking & Savings account. Get up to an additional $250 for setting up direct deposit.
  • Rewards. Earn up to 15% cash back at select local retailers.
  • Digital banking. Organize your money, set savings goals, and save your change with Vaults and Roundups.
  • FDIC-Insured. Up to $250,000.


8. Axos Bank

Features and Benefits

Axos Rewards checking is an online bank that requires a $50 initial deposit and charges $0 monthly maintenance fees. Customers also receive unlimited domestic ATM reimbursements.

  • Opening deposit. $50 to open an account.
  • No account fees. No monthly service fees, overdraft or NSF fees.
  • ATM Fees. Unlimited domestic ATM fee reimbursements.
  • Online banking. Online debit card management.
  • Bonus. Use code RC100 and apply by December 31st to earn a $100 bonus.
  • FDIC-Insured. Up to $250,000.


9. GTE

Features and Benefits

GTE Financial Credit Union can be a helpful banking solution if you’re trying to restart your financial life with this second chance checking account. There are several ways to become a member, including joining CU Savers. a non-profit educational financial club, with a one-time $10 fee.

  • Opening deposit. $5 for your initial deposit.
  • Account fees. $9.95 monthly fee.
  • ATM fees. Members get free access to 30,000 ATMs nationwide.
  • Online banking. 24/7 Virtual Banking (Online, Mobile, or Telephone).
  • Early paycheck. Paycheck arrives up to two days early with direct deposit.
  • Bill pay. Bill Pay, Zelle®, and Friends & Family Transfers.
  • Bonus. Use ReferralCodeE599076ICB to earn a $250bonus.
  • NCUA-Insured. Up to $250,000.


10. Novo

Features and Benefits

Novo Business Checking can be a helpful banking solution if you’re an entrepreneur, freelancer or small business. There’s no monthly maintenance fee, and Novo doesn’t charge for incoming or outgoing ACH transfers, domestic or foreign wire transfers, stop payments, debit card replacement, physical checks, bill payments, checks or paper statements.

  • Opening deposit. $25 for your initial deposit.
  • Account fees. No monthly fees or minimum balance requirements.
  • ATM fees. Refunds all ATM fees.
  • Online invoicing. Connect to Stripe, Square, and PayPal integrations to get paid your way.
  • Transfers. Free transfers, mailed checks, and incoming wires.
  • Apps. Connections to thousands of business apps.
  • Rewards. Thousands of dollars in exclusive perks.
  • Wallet. Use your Novo card with Apple Pay or Google Pay.
  • FDIC-Insured. Up to $250,000.


11. NorthOne

Features and Benefits

NorthOne Business Checking offers unlimited fee-free transactions, which include payments, deposits, transfers and debit card usage. NorthOne does not charge for ACH payments and does not have fees for nonsufficient funds or overdrafts.

  • Opening deposit. $50 for your initial deposit.
  • Account fees. $10 monthly fee.
  • ATM fees. Refunds all ATM fees.
  • Transaction fees. Unlimited fee-free transactions.
  • Online invoicing. Digital banking tools including unlimited Envelopes, bill pay and expense management.
  • ATM fees. No NorthOne fees when you use a Mastercard Cirrus or MoneyPass ATM; ability to deposit cash through Green Dot network.
  • Make payments. Send ACH or Wire payments, and pay invoices from your phone or computer.
  • Bonus. For a limited time, get a $20 credit when you open and fund a new NorthOne Account.
  • FDIC-Insured. Up to $250,000.


12. Green Dot

Features and Benefits

Green Dot is a bank with a network of services that have locations in major retailers such as CVS, Walgreens, 7-Eleven and more. The Green Dot Bank Unlimited Cash Back Bank Account Visa® Debit Card earns an impressive 2 percent cash back on online and mobile purchases

  • Opening deposit. $0 minimum deposit.
  • Account fees. $7.95 monthly fee (waived by spending $1,000+ with your debit card during the previous month).
  • ATM fees. Free ATM withdrawals.
  • Early paycheck. Paycheck arrives up to two days early with direct deposit.
  • Overdraft protection. Overdraft protection up to $200 with opt-in & eligible direct deposit*.
  • Cashback. Earn up to 7% instant cash back when you buy eGift Cards from nearly 100 popular merchants in the app*.
  • FDIC-Insured. Up to $250,000.


13. UNIFY

Features and Benefits

The Right Start Checking account at Unify Financial Credit Union, is a second chance gives access to traditional banking for first-timers or account holders looking to rebuild a positive checking account history.

  • Opening deposit. $25 minimum deposit.
  • Account fees. $9.95 monthly service fee.
  • Balance requirement. No minimum balance requirement.
  • ATM fees. No charge at UNIFY ATMs, Non-UNIFY ATMs, partner networks including: Allpoint, Alliance One, CULIANCE, and CO-OP Shared Branch ATMs.
  • Online banking. Get free access to eBanking.
  • NCUA-Insured. Up to $250,000.


14. Chase

Features and Benefits

Chase Secure Banking only lets you spend the money you have on deposit. The bank will decline or return a transaction when the customer does not have enough money in the account to cover the charge. It's a bare bones account with few perks other than conducting daily transactions. Chase Secure Banking accounts don’t come with check-writing privileges.

  • Account fees. $4.95 monthly service fee.
  • ATM fees. Free access to more than 16,000 ATMs.
  • Early paycheck. Paycheck arrives up to two days early with direct deposit.
  • Overdraft fees. No overdraft fees.
  • Cash deposits. Make cash deposits at more than 60,000 retailers, including participating CVS Pharmacy, 7-Eleven, Dollar General, and Family Dollar.
  • Cashback. Earn points for unlimited cashback at participating retailers.
  • FDIC-Insured. Up to $250,000.


15. US Bank

Features and Benefits

US Bank's Safe Debit Account is a check-less checking account that lets you make deposits, withdrawals and payments and is suitable for those who want a debit card but don’t need to write checks.

  • Opening deposit. $25 minimum deposit.
  • Account fees. $4.95 monthly service fee.
  • ATM fees. Free ATM transactions at US Bank ATMs.
  • Online banking. Mobile check deposit, bill pay and more.
  • Overdraft fees. No overdraft fees.
  • Rewards. Free credit score access.
  • FDIC-Insured. Up to $250,000.

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.

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