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 Express 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 Express 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||1930 6th Ave S Ste 104 Seattle, WA 98134-1627|
|Number of Members||3,091|
|Institution Class||Federally Insured State-Chartered Credit Union|
|Institution Type||Credit Union|
|Credit Union Programs||-|
|Low Income Designation||Yes|
|Member of FHLB||No|
It's easy to become a member of Express Credit Union – any resident of Washington State is eligible to join.
Services & Products
|Electronic Services||Download Account History, e-Statements, Bill Payment, Account Balance Inquiry, View Account History, Share Account Transfers, Loan Payments, Member Application|
|Access to Electronic Services||Home Banking via Internet Website, Mobile Banking, Audio Response/Phone Based, Automatic Teller Machine (ATM)|
|Services & Products: Credit||Business Loans, Participation Loans, Real Estate Loans, Indirect Consumer Loans, Micro Consumer Loans, Share Secured Credit Cards, Risk Based Loans, Credit Builder, Pay Day Loans, Micro Business Loans, Overdraft Lines of Credit|
|Services & Products: Depository||Business Share Accounts, Individual Development Accounts, Share Certificates with low minimum balance requirement, No Cost Share Drafts|
|Services & Products: Financial Education||Financial Education, Financial Literacy Workshops, Financial Counseling|
|Services & Products: Other||Bilingual Services, No Cost Bill Payer|
|Services & Products: Transactional||ATM/Debit Card Program, Money orders, Prepaid Debit Cards|