The Best Non ChexSystems Banks. Guaranteed Approval.

If you were recently denied a bank account, the bank may have told you it was based on a negative ChexSystems report. And since a huge portion of banks and credit unions use ChexSystems, it’s not like you can walk across the street an open a checking account at another bank.

Unfortunately, being on that list lasts for five years and can make opening a simple checking account a nightmare.

Luckily, there are banks who do not use ChexSystems. These Non ChexSystems Banks offer you a way back into banking and they offer all the services you need and deserve with acceptance rates that are surprisingly high.

We’ve helped thousands of people just like you open non ChexSystems bank accounts. We’ve selected the best accounts for 2019 based on acceptance rates, checking account features and benefits, and the accounts with the lowest fees. Best of all, you can open an account TODAY.

Get an account now!

Winner: Best Non ChexSystems Bank of 2019

BBVA Online Checking

BBVA Online Checking is our favorite non ChexSystems bank account. They have the strongest offering of any of our recommendations. No hidden fees, no monthly minimums, and no monthly charges. It’s easy to get approved and takes about 3 minutes. Plus, their smartphone app and online tools are the best we’ve reviewed.

Why do we recommend BBVA Online Checking so highly? If you’ve got poor credit or find yourself on ChexSystems, BBVA will approve you for an account.

  • NO credit check; Bad credit OK; No ChexSystems
  • NO monthly fees or service charges
  • NO monthly account balance minimums
  • NO fees at over 64,000 Allpoint® and BBVA ATMs worldwide
  • FREE online banking, bill pay, and mobile deposits
  • FREE unlimited check writing
  • FREE Visa® debit card
  • Open with as little as $25
Get a BBVA account now!

Runner Up: Best Non ChexSystems Bank of 2019

Chime Bank

Chime Bank is a fast-growing internet-only bank. Unlike big banks, Chime was created during the smartphone era and, therefore, features an app that is more than just a way for customers to review their bank accounts.

In our opinion, Chime is the only bank that comes close to BBVA.

  • FREE Visa® debit card
  • NO monthly fees or service charges
  • NO monthly minimums
  • FREE online banking and mobile banking/deposits
  • NO fees at over 38,000 MoneyPass® and Visa Plus Alliance ATMs worldwide
  • SAVINGS: You can round up every purchase to the nearest dollar and automatically deposit that difference into your savings account.
Open a Chime Bank account today!

The Best Second Chance Banks by State

We’ve surveyed banks and credit unions throughout the country to find local, regional, or national financial institutions that offer “Second Chance Bank Accounts” or what some banks call Fresh Start Checking, Opportunity Checking, or New Start Checking.

Most of these institutions use ChexSystems or EWS, but are willing to look at opening these kinds of accounts on a case-by-case basis. Many times, they require a personal visit to a branch and may offer accounts that come with monthly fees or minimum balance requirements. While not as easy and as the BBVA Online Checking account, they do offer you an alternative.