Alaska Banks & Credit Unions That Don't Use ChexSystems
ChexSystems is a credit reporting agency focusing on bank accounts instead of credit cards. When you apply for a bank account, whether through a branch or online, your application will go through ChexSystems, depending on the bank. Applicants can possibly get their bank account application denied if they apply to banks incorporating the ChexSystems.
For this reason, people from Alaska should apply to non-ChexSystems banks. When financial institutions check your deposited bank accounts, they do not bother to consider your credit score when making a decision. They use ChexSystems, which encompasses any dealings and financial undertakings you have had with previous banks. The higher your score, the more your chances of getting accepted for opening a bank account.
Alaskan citizens can take advantage of opening a bank account in banks that do not use ChexSystems when approving bank applications. It allows them to open as many bank accounts as they want and easily apply for loans.
The following are non-ChexSystems banks in Alaska that help you open a bank account regardless of a bad previous bank record.
The CIT Bank Savings Connect account is the best among banks that don’t use ChexSystems. Unlike many other non-ChexSystems accounts, the CIT Bank Savings Connect is also a high-yield savings account that can help grow your savings much faster than most other banks can.
Features and Benefits:
- Minimum balance requirement: $0
- Monthly maintenance fee: $0
- Monthly ATM charge reimbursements of up to $30
Why is it recommended for you?
Although CIT Bank has a relatively high minimum deposit ($100) to get started, it offers one of the best interest rates among online banks, and has no opening, monthly servicing, online transfer or incoming wire fees.Apply Now
Norhtrim is an Alaskan community bank. Community banking plays an important role for the lives of the Alaskan residents. Banks like Northrim in Alaska are responsible for the workings of the local economy. Northrim is quick and agile when making decisions for the local community and can respond promptly to the customers.
Reasons to Pick Northrim Bank
For Alaskan residents, Northrim Bank can be ideal. The bank is proud to provide local customer service that is unmatched by any other commercial bank. With more than 17 locations across the state, the bank is still expanding. All their banks are full service, and customers can get deposit services, enjoy electronic banking, mortgages, commercial loans, consumer loans, credit cards and more.
Overall, Northrim bank can help provide Alaskan residents with a full suite of banking services. They also have relationship with residential mortgage company. Partnerships such as these will allow you to leverage from home ownership loans and other refinance activities.
- High quality customer service
- No Chex Systems checking
- Electronic banking services
- Physical locations throughout Alaska
- Lacks Streamlined mobile application.
Learn more about Northrim Bank
Chase offers amazing signup benefits and bonuses, and one advantage is no ChexSystems checking when an individual applies for a bank account. It is one of the many large banks in America, and they do a great job of mixing traditional brick-and-mortar banking with the modern world of mobile banking. They have multiple accounts you can sign up for and access their highly rated mobile banking platform. They also have a network of 16,000 free-to-use ATMs and 4,700 physical bank locations.
Why Should You Choose Chase Secure Banking?
Chase secure banking does not use ChexSystems when running through your banking account applications and also gives you the option to do all of your banking using your mobile phones. You can also visit their physical banks' locations and get the services. They also give you access to their bill payment feature, which many competitors do not offer.
- Chase offers secure banking and other features that are great for opening a bank account.
- They offer signup bonuses for opening an account and setting up direct deposits.
- They offer checking options for kids and teenagers as well.
- They ask for a $12 monthly fee unless you meet certain qualifying factors.
Learn more about Chase Bank
If you are looking to open a savings account or a loan from a bank in Alaska that does not use ChexSystems, you can pick from the options above. The banks mentioned above are great non-ChexSystems options for Alaska residents and offer much more than an easy signup process.
- District of Columbia
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Puerto Rico
- South Carolina
- South Dakota
- West Virginia