Georgia Banks & Credit Unions That Don't Use ChexSystems

ChexSystems can be a real pain to deal with when you’re trying to get a bank account opened in your name. It was established as a system to monitor and screen people who are looking to open checking and savings accounts. But the side effects of this kind system can result in you being unable to open a bank account even if you haven’t done anything shady.

Fortunately, there are still more than a couple of banks in Georgia that don’t use ChexSystems for verification. We’ll be looking at some of these banks as well as what your options look like if you get flagged by ChexSystems.

The Heritage Bank

Form of verification:

Credit report

They do not use ChexSystems.

Email from the bank:

We do not use ChexSystems, TeleCheck, Early Warning, or a credit report when opening an account. The only thing needed is a valid picture ID from a state or government source. Examples would be a driver’s license or military ID. The initial account must be opened in person.

Types of accounts offered:

Personal checking, savings, and business accounts

Learn more about The Heritage Bank

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

Associated Credit Union

Form of verification:

TeleCheck and Equifax

Some people have been denied due to credit issues but they do not use ChexSystems or TeleCheck. You may apply online. Most are approved for the savings only.

Email from the bank:

We use the Equifax and TeleCheck systems.

Types of accounts offered:

Personal checking and savings

Learn more about Associated Credit Union

Exchange Bank

Form of verification:

Credit report

It has been reported that they are picky about credit.

Email from the bank:

Hello, thank you so much for inquiring via our Website! In order for us to process a checking account we would require a credit report, Savings accounts do not require this report.

Types of accounts offered:

Personal checking, savings and business checking

Learn more about Exchange Bank

Email from the bank:

We use a credit report 600 or higher of a score is required.

Types of accounts offered:

Personal checking, savings and business checking

Bank of Eastman

Form of verification:

Credit report

IT HAS BEEN REPORTED THAT THEY ARE VERY PICKY ABOUT CREDIT BUT THEY DO NOT USE CHEXSYSTEMS.

Email from the bank:

WE USE CREDIT REPORTS. We don't determine by the score, we look at the past payment history, charge-off's, repossessions...that sort of things.

Types of accounts offered:

Personal checking, savings and business checking

Learn more about Bank of Eastman

GeoVista Federal Credit Union

Form of verification:

TeleCheck and a credit report

Email from the bank:

We use TeleCheck but it is the same thing as ChexSystems. We also pull a credit report but we don't use it to decide whether or not we open the account.

Types of accounts offered:

Personal checking and savings accounts

Learn more about GeoVista Federal Credit Union

North Georgia Credit Union

Form of verification:

Equifax Credit report

Anyone can get a savings but the checking depends on what is reported on the Equifax report.

Email from the bank:

We do pull a credit report when we open a savings and checking account. No, not for opening a savings account. Really I would say that with a checking account it just depends on the information more than the score. If you have had any charge-off's, bankruptcy filings, delinquencies, etc. a checking account application would need to be sent to the credit committee for their approval. - Just like a loan would. Sometimes it helps if you apply for a checking account with a debit card only - no checks.

Types of accounts offered:

Personal checking and savings accounts

Learn more about North Georgia Credit Union

The Wright Credit Union

Form of verification:

Equifax credit report

Email from the bank:

I called and they look at the overall credit report

Types of accounts offered:

Personal checking and savings

Learn more about The Wright Credit Union

Workmen's Circle Credit Union

Form of verification:

ID

They do not offer checking accounts but anyone eligible for a membership there can get a savings There is a required minimum deposit of $50.00 to open an account. This is not a fee, only a minimum balance for your membership in Workmen's Circle Credit Union. If you should ever choose to close your account, the $50.00 (plus earned dividends) will be returned to you.

Email from the bank:

We only verify identity

Types of accounts offered:

Savings only

Learn more about Workmen's Circle Credit Union

BOND Community Federal Credit Union

Form of verification:

ChexSystems

Anyone can get a savings and if the debt to the reporting bank is paid and no fraud is reported, you can get a checking later.

Email from the bank:

Yes, as long as you fall within our field of membership qualifications, you can open an savings account with a paid chexsystemS record. And as long as your savings account stays in good standing for the first 6 months of your membership you will then be eligible to open a checking account.

Types of accounts offered:

Personal checking and savings accounts

Learn more about BOND Community Federal Credit Union

Flint Community Bank

Form of verification:

Equifax credit report

They look at the overall credit but generally they are also looking for a score of about 600 or so.

Types of accounts offered:

Personal checking, savings and business accounts

Learn more about Flint Community Bank

Renasant Bank

Form of verification:

ChexSystems

It has been reported by several people that you can open a checking as long as the debt to the reporting bank is paid and there is no fraud listed on the report.

Email from the bank:

Yes, you can still open up an account with us if the ChexSystems report states that everything has been paid and cleared.

Types of accounts offered:

Personal checking, savings and business accounts

Learn more about Renasant Bank

Atlantic Coast Bank

Form of verification:

See special notes

Renasant Bank has now taken over all Crescent Bank locations.

You MUST apply online ..if you apply in person, the old locations of Crescent are still running ChexSystems and they will deny you. DO NOT apply for a business account in person either, they will not approve and they will close your personal account.

This is only good for those who apply online for a personal account. Other states are still approving in person for both personal and business accounts.

Types of accounts offered:

Personal Checking, savings, and business

Learn more about Atlantic Coast Bank

South Georgia Banking Company

Form of verification:

Credit report / Social security card and drivers license

I verified that they do not use ChexSystems, TeleCheck, or EWS but they will run a credit report.

They do require a score of 620 or more and the report should not show a lot of write offs, collections, or bankruptcies. They will overlook medical collections.

Types of accounts offered:

Personal checking, savings and business accounts

Learn more about South Georgia Banking Company

Interstate Unlimited Federal Credit Union

Form of verification:

ChexSystems

Any eligible member can open a savings.

Email from the bank:

We do run ChexSystems when we open accounts. If you do have a record we can still offer you a savings account with a restricted Debit Card (the card will only work at ATM machines).

We also pull your credit report, but the score is not used in the decision of what accounts we can offer you. It is actually used as tool to help us provide savings to you.

Learn more about Interstate Unlimited Federal Credit Union

Robins Federal Credit Union

Form of verification:

ChexSystems and a credit report

Email from the bank:

Robins FCU will run a Chex Systems Report and a Credit Report (Equifax) on all prospective member’s. All prospective member’s within our field of member are eligible for a Savings Account. We do not deny member’s a Checking due to their credit. However, we do deny a Checking if the prospective member has a hit on record with Chex Systems. I hope this answers your questions.

Types of accounts offered:

Savings only if reported to ChexSystems.

Learn more about Robins Federal Credit Union

See More Options in Your Area