You walk into your local bank branch and sit down with your bank representative to talk about opening a checking account. Maybe you’ve been through some financial difficulties in the past, but you are ready to get back on track. But maybe not. You may think your financials are in good shape.
You wait with bated breath through the application process, only to let it out in a sigh of disappointment.
The banking representative turns to you and says, “I’m sorry, but we can’t open an account for you right now. You were rejected by ChexSystems.”
At that point, the banker probably explained ChexSystems to you in detail. If you haven't already, you can read our in-depth guide to ChexSystems and ChexSystems removal, and why it may be having a negative impact on your financial life.
Denials like these are surprisingly common. In fact, CNN has reported that approximately 15% of bank applicants are denied regular bank accounts.
Several members of our community have reported that America's Credit Union DOES use ChexSystems but you can still qualify for an account if you don't owe any money to the bank. A second chance checking or savings account is another option to consider. Check out their financial products below and visit the official website to learn more.
Below you will find banks that don’t use ChexSystems as an alternative to America's Credit Union in any step of the process. You can be sure that these banks won’t ever cross reference your records before deciding whether to let you open an account.
The list is suggested by our readers. Please consider the Unchex editor's curated list of banks that don't use ChexSystems for all the banking options available nationwide.
|Main Office||2201 S 12th St Joint Base Lewis-McChord, WA 98433|
|Number of Members||41,075|
|Institution Class||Federal Credit Union - Multiple common bond - primarily military|
|Institution Type||Credit Union|
|Credit Union Programs||Approved Mortgage Seller, Mortgage Processing|
|Low Income Designation||No|
|Member of FHLB||Yes|
Membership in ACU includes all members of the United States Armed Forces active, retired and reservists, all civilian personnel regularly employed or paid by organizations at Fort Lewis; all retired DOD civilians. All relatives of military and civilian members also may be members of the Credit Union (Mother, Father, Brother, Cousin, Aunt, etc.) and members of A.U.S.A. (Association of United States Army).|
Services & Products
|Electronic Services||Download Account History, Internet Access Services, Remote Deposit Capture, Member Application, Bill Payment, Merchandise Purchase, Account Balance Inquiry, Share Account Transfers, New Loan, Loan Payments, Mobile Payments, View Account History, Share Draft Orders, New Share Account, External Account Transfers, e-Statements|
|Access to Electronic Services||Mobile Banking, Kiosk, Audio Response/Phone Based, Home Banking via Internet Website, Automatic Teller Machine (ATM)|
|Services & Products: Credit||Indirect Consumer Loans, Real Estate Loans, Overdraft Protection/ Courtesy Pay, Share Secured Credit Cards, Business Loans, Credit Builder, Risk Based Loans, Participation Loans|
|Services & Products: Depository||Health Savings Accounts, Business Share Accounts, No Cost Share Drafts, Share Certificates with low minimum balance requirement|
|Services & Products: Financial Education||In-School Branches, Financial Counseling, Financial Education, Financial Literacy Workshops, First Time Homebuyer Program|
|Services & Products: Other||Insurance/Investment Sales, No Cost Bill Payer|
|Services & Products: Transactional||ATM/Debit Card Program, Money orders, Prepaid Debit Cards, No surcharge ATMs|