District of Columbia Banks & Credit Unions That Don't Use ChexSystems

Signing up for an account with a bank that does not use ChexSystems puts you at a great advantage. If you live in the District of Columbia, opening a bank account can be troublesome if the banking system uses ChexSystems. The ChexSystems process includes a team of experts that will analyze your baking history and give you a score. That score will determine whether the bank will accept your bank account or loan application.

Even if you have had many past savings and debit accounts, a bank that uses ChexSystems will deny your application for a bank account or a loan. For this reason, it is best to open an account in a bank with the highest chance of approval – a non-ChexSystems bank. Fortunately for people in Washington, there are a handful of options for non-ChexSystems banks. Below is a list of great non-ChexSystems options in Washington, DC.

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.

Learn More

Navy Federal Credit Union

Navy Federal Credit Union is a great credit union through which you can avoid the ChexSystems. It also provides some of the great financial products. Normally, most credit unions are strict with their lending. However, Navy Federal Credit Union is very generous with their limits. It’s important to keep in mind that it is not easy to get into Navy Federal Credit Union. This union is designed to cater to military families.

Reasons to Choose Navy Federal Credit Union

Once you are part of the Navy Federal Credit Union, you can apply for a loan without having to apply for it. This is because the credit union will provide a checking line of credit. They also provide credit limit allocation, which means that you can move credit limits from one card to the other.

Along with their great financial products and loan opportunities, they also provide phenomena customer service. Their application is also smooth. Thanks to their online website and financial application, you can carry all financial activities remotely.

There are astronomical limits for business loans once you get into Navy Federal. Their small business products are incredibly resourceful. Navy Federal Credit Union also do not report to personal credit, which means you can move money around using a small business credit card.


  • Increased credit limits On financial Products
  • Opportunities for loan
  • Good customer service
  • Resourceful small business products
  • Finance application


  • Not accessible to everyone.

Learn more about Navy Federal Credit Union

OneUnited Bank

OneUnited Bank is African American owned bank, that can help you skip the ChexSystems when you try to open an account or get a loan. However, getting a card from OneUnited Bank can take time. The financial products that they offer are great, and they provide a list of card options you can choose from.

Reasons to choose OneUnited Bank

Their customer service is top notch. They do not keep customers waiting for long when they have an issue. Their security features of financial products are also highly optimized. Their online banking dashboard also provides data analytics, along with scheduling and budgeting features. The financial product offers everything that you would need to carry out your finances.


  • Easy to open a bank account
  • Good customer service
  • Optimized Online dashboard
  • Scheduling and Budgeting features
  • Online banking


  • Takes long to receive your credit card

Learn more about OneUnited Bank

Final Words

These are some of the options of non-ChexSystems banks for people that live in the District of Columbia. If you want to pick the best, the options above can be incredible.

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