Arizona Banks & Credit Unions That Don't Use ChexSystems

If you are struggling to open a bank account due to a poor credit score, here are the top banks that don't use ChexSystems in Arizona. These banks will offer you a checking account or savings account without a credit check or on special terms (read responses from some of the banks below).

First National Bank Texas

First Convenience Bank is a Texas-based bank that offers services in Arizona as well. They do not run ChexSystems, TeleCheck, or EWS checks, and they offer four types of checking accounts.

The first type of account is their Power Checking Account. You need to pay a $12 monthly maintenance fee to access this account. The second type is the President Select High-Yield Checking Account for people who want to earn money from interest with no minimum-deposit requirements. The third and fourth types are the E-Account and Power Stash Account, both of which have monthly maintenance fees of just $5. You will get all the necessary banking facilities with these accounts.


  • Effortless digital banking
  • No ChexSystems requirements
  • Access to MasterCard debit card
  • Free Gold Key ATM withdrawals
  • No minimum-deposit requirements
  • Bill pay and funds-transfer services


  • Monthly maintenance fees
  • Overdraft and negative-balance fees

Why We Recommend First Convenience Bank:

  • Multiple available checking accounts
  • Higher interest rates
  • Online account management
  • No ChexSystems check or credit check
  • Free debit card and online services

Summary: First Convenience Bank is a well-known bank in the US that offers services in Texas, Arizona, and many other states. This bank doesn't use ChexSystems and offers different types of checking accounts. You can easily open and operate a checking account online with this bank with no minimum deposit and $5 monthly maintenance fees.

Learn more about First National Bank Texas

Editor's Choice

CIT Bank

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:

  • Interest-bearing
  • 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.

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The Best Alternative

The Complete ChexSystems Removal Kit

Our comprehensive ChexSystems Removal Guide includes the exact documents and instructions guaranteed to help you get off ChexSystems and start banking again.

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If you have a ChexSystems record, then you might want to open a checking account at Alhambra Credit Union in Arizona. Fortunately, this Arizona bank uses other ways to screen potential customers (e.g., credit reports and the free Certegy check service). If you have unpaid closures or insufficient funds records, then you can still open an account with Alhambra Credit Union. You can enjoy a basic checking-account service to rebuild your credit score.

You'll find many benefits with Alhambra Credit Union's basic checking account (e.g., free online banking and bill pay). They offer digital-banking services. You can also enjoy free withdrawals at Alhambra Credit Union ATMs.


  • Online-banking services
  • Free withdrawals at all Alhambra Credit Union ATMs
  • Four free monthly withdrawals at non-Alhambra Credit Union ATMs
  • Free notary services for all members
  • Bill-pay services
  • Good customer service


  • Monthly checking-account fees
  • Only basic checking account available

Why We Recommend Alhambra Credit Union:

  • Digital banking is available
  • No use of ChexSystems
  • Offers basic banking services
  • Free ATM withdrawals
  • Easy-to-use mobile app

Summary: Alhambra Credit Union is another option for people with a poor credit score. They don't use ChexSystems, and they offer basic checking accounts to people in Arizona. You can enjoy all the necessary banking services with your account. They provide digital-banking services (e.g., bill pay). You can also enjoy free ATM withdrawals at Alhambra Credit Union ATMs.


Current is another online platform that offers banking services. It is not a bank, but a financial technology company that can help you restore your credit score. This company works just like a digital bank and offers various services. They don't use ChexSystems to pull your credit report. If you have a poor credit score, then you can try a Current mobile-banking account. You can easily sign up for an account in just two minutes with Current. The acceptance rate is high.

With a Current mobile-banking account, you can enjoy fee-free overdrafts of up to $200. There are 40K fee-free ATMs in the US. There is no minimum-balance requirement or hidden fees. You can even earn up to 15X points and enjoy cashback with your account. Current offers safe and secure banking with instant transaction alerts. You can even get paid up to two days faster with your account. They also have Current Savings Pods, with which you can earn 4% APY.


  • Free online account available
  • No minimum balance or hidden fees
  • 40K ATMs in the US
  • Earn 4% interest on your balance
  • Get your paycheck up to two days early
  • 24/7 member support


  • Not a real bank
  • Out-of-network ATM charges

Why We Recommend Current:

  • Easy online account-opening procedure
  • Send money instantly for free
  • No credit checks
  • Deposits are FDIC-insured
  • No hidden fees

Summary: Current is a financial technology company that doesn't use ChexSystems. They offer online-banking services to people with a poor credit score. You can easily sign up for an account and enjoy all their banking services. There are no minimum-balance requirements or hidden fees with Current mobile banking.



Sable doesn’t use ChexSystems, so you can apply without worry. Its free checking account has zero annual fees, no minimum-deposit requirement, and no credit check. Additionally, it offers a free credit card and debit card. Sable is also one of the fastest-growing mobile-banking solutions in the US. They do not use ChexSystems, so you can use their mobile app to deposit checks and/or transfer money between accounts.

With a Sable bank account, you can enjoy 2% cashback on everyday expenses, and 1% cashback on all other debit-card charges. This account is also secured, and you can get access to 55 countries, and 55 currency exchange rates. Sable offers a free checking account with no minimum-balance requirement, and no monthly service fee.

For new customers, Sable's online-banking platform is user-friendly. It allows you to manage your account, pay your bills, and view your statements online. In addition to a checking account, you can open a Sable credit card by logging into Sable's online-banking website. This card offers cashback on your favorite brands.


  • No monthly fees
  • No credit checks or ChexSystems checks
  • No minimum deposit to open an account
  • No overdraft fees or ATM transaction fees
  • Cashback rewards up to 2%
  • Optional credit card


  • No Sable ATMs
  • Can't write checks

Why We Recommend Sable:

  • Qualify with limited or no credit history
  • Offers premium card to build credit
  • Open a bank account in five minutes
  • FDIC-insured bank account
  • Earn 2% cashback on your favorite brands

Summary: Sable is another bank that offers residents of Arizona a checking account with a free debit card and optional credit card. You can easily open a checking account in five minutes and get access to all the necessary baking facilities. There are no monthly fees or minimum deposits required to open this account.


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