Hawaii Banks & Credit Unions That Don't Use ChexSystems

In some unfortunate events, you sign up for a bank, and for some unforeseen season, you are denied access because your account is canceled. This comes down to the ChexSystems report, and banks that use ChexSystems will give you a score according to your previous accounts, which will determine whether you get accepted or not.

If you are a citizen of Hawaii, you can easily sign up for a bank account or even get a loan if you opt to choose a non-ChexSystems bank. There are multiple non-ChexSystems options in the market. Most of them are online services, while others are credit unions. Your account can always get canceled when carrying out your financial duties with banks that use ChexSystems.

ChexSystems hold you back from opening up a bank account or building credit. You can create a relationship with your bank and not worry about denying savings accounts and loans. If you're in a ChexSystems bank, order your report.

You can order your report online. You can find the bank account you owe money to and pay them back. If you become signaled in the ChexSystems report for any other reason, then you have to follow a different procedure.

Read further if you want a list of options that can work for you.

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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CU Hawaii Federal Credit Union

If you are a Hawaiian and the ChexSystems has been troubling you, there is always an option to sign up for a bank account with the federal credit union. Unlike online banking services, the CU Hawaii federal union services have physical locations with workers who greet you with a smile and a friendly wave as you enter the building. There are seven locations of this Federal Reserve on the entire island of Hawaii, along with a student credit union. They offer competitive rates for the community.

Reasons to Pick CU Hawaii Credit Union

One of the biggest distinctions between banks and credit unions is that members own credit unions. They help the communities, and when someone comes into the credit union, they establish membership. Once you have that membership, you will be a part of the credit union and not simply have an account. Signing up with a community-based credit union makes you part of the organization, not just another member.

Pros

  • Hawaii Federal Union Looks for ways to give back to the community.
  • As a Hawaiian, you can easily create a bank account

Cons

  • It may not offer a high level of online services

Learn more about CU Hawaii Federal Credit Union

Hawaii Community Federal Credit Union

Hawaii Community Federal Union is a locally owned community credit union that strives to make the lives of Hawaiians better. It comes with mortgage loans, credit loans and auto loans that provide sustenance to the local community. You also get great annual percentage rates, paired with online calculators that provide important data collection. Data collection gives way to better money management.

Reasons to Choose Hawaiian Community Federal Credit Union

Since the bank is local, you can expect incredible customer person, both, on-call and in-person. More importantly, the credit union uses Telecheck and not ChexSystems when screening applicants. Community members can also benefit from opening their free account, “Check Advantage”.

For account holders that worry about minimum fee and annual payments, Hawaiian Community Federal Credit Union is an incredible option. It provides cost-effective solutions for account holders. Nonetheless, opening an account in this credit union requires you to first deposit $50 into the savings account.

The barrier to entry in this credit union is only open to Hawaiian residents. You must be a tax paying and contributing member of the Hawaiian community to gain access to its financial services and products. It provides online banking options and electronic services for remote transfers.

Pros

  • Great customer service
  • Electronic banking options
  • Loans and insurance services
  • Free accounts

Cons

  • Limited to Hawaiian community
  • You have to deposit $50 to open an account.

Learn more about Hawaii Community Federal Credit Union

Gather Federal Credit Union is an excellent credit union for the People of Hawaii. Along with great financial services, it also provides resourceful financial products. There are many features that come with Gather Federal Credit Union financial products. It’s simple refinancing option allows you to tackle auto and personal loan payments easily, within no time. For Hawaiians that want to be first time homeowners, the credit union makes mortgages available with an easy application process.

Reasons to Choose Gather Federal Credit Union

When opening a checking account in the credit union, you can utilize it’s online features that make money management an easy task. With an online tool that keep tracks of all transactions and cash flow, you can get rid of overdrafts and prevent unwanted fee payments. Gather Federal Union’s financial services are not limited to checking accounts, but also give you access to business loans and credit. It comes with a secured line of payment, along with flexible repayment.

Pros

  • Great Financial Products
  • Loans and credit options
  • Checking account tracking system

Cons

  • Not many locations for deposits

Final Words

As you can see, some great banking services solutions in Hawaii help you save money and avoid ChexSystems. Not only are these options better than conventional banking, but they are also faster and more efficient. Options such as credit unions and saving accounts allow users to advantage form great financial services and products, while also contribute to the Hawaiian community.

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