Non Chexsystems Banks

Finding banks that do not use chexsystems is something that a lot of people try to do when they are getting denied the ability to open a new checking account. There are a lot of banks that use chexsystems, and that number is over 80%. You will have a better chance landing a checking account with a bank that is not that popular. With the non chexsystems banks, you would not get a limited use of your checking account since they would not know of your banking history. If you go with a bank that has a checking account for people with bad credit history, they will most likely give you some limited abilities. Often times, they will do something like take longer to process checks into your bank account, and others will limit where you would be able to use your debit card. Some people have been saying that a good number of credit unions are non chexsystems banks.

There should be non chexsystems banks is the following states: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North, Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming

If you are not able to find a bank that does not use chexsystems in your area, you can always find a bank that lets you apply for a checking account online. That might be the way you start out anyway, because it is easier to apply online and it saves you time. Let alone, finding out that you get rejected in person is not always fun. Although it is always nice, not all non chexsystems banks will have free checking accounts. So do not get too picky when you are on the chexsystems list.