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.
Chime is a fast-growing internet-only bank. Unlike big banks, Chime was created during the smartphone era and, therefore, features an app that is more than just a way for customers to review their bank accounts.
Chime accepts all customers who apply. Even if you have bad or poor credit or have been blacklisted by ChexSystems or credit bureaus.
Apply NowCredit report
They do not use ChexSystems.
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.
Personal checking, savings, and business accounts
Learn more about The Heritage Bank
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.
We use the Equifax and TeleCheck systems.
Personal checking and savings
Learn more about Associated Credit Union
Credit report
It has been reported that they are picky about credit.
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.
Personal checking, savings and business checking
Learn more about Exchange Bank
We use a credit report 600 or higher of a score is required.
Personal checking, savings and business checking
Learn more about Altamaha Bank & Trust
Credit report
IT HAS BEEN REPORTED THAT THEY ARE VERY PICKY ABOUT CREDIT BUT THEY DO NOT USE CHEXSYSTEMS.
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.
Personal checking, savings and business checking
Learn more about Bank of Eastman
TeleCheck and a credit report
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.
Personal checking and savings accounts
Learn more about GeoVista Federal Credit Union
Equifax Credit report
Anyone can get a savings but the checking depends on what is reported on the Equifax report.
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.
Personal checking and savings accounts
Learn more about North Georgia Credit Union
Equifax credit report
I called and they look at the overall credit report
Personal checking and savings
Learn more about The Wright Credit Union
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.
We only verify identity
Savings only
Learn more about Workmen's Circle Credit Union
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.
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.
Personal checking and savings accounts
Learn more about BOND Community Federal Credit Union
Equifax credit report
They look at the overall credit but generally they are also looking for a score of about 600 or so.
Personal checking, savings and business accounts
Learn more about Flint Community Bank
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.
Yes, you can still open up an account with us if the ChexSystems report states that everything has been paid and cleared.
Personal checking, savings and business accounts
Learn more about Renasant Bank
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.
Personal Checking, savings, and business
Learn more about Atlantic Coast Bank
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.
Personal checking, savings and business accounts
Learn more about South Georgia Banking Company
ChexSystems
Any eligible member can open a savings.
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
ChexSystems and a credit report
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.
Savings only if reported to ChexSystems.
Learn more about Robins Federal Credit Union