35+ Top Banks That Don’t Use ChexSystems Indiana

Best Banks & Credit Unions in Indiana 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 Indiana 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.

Editor's Choice

Chime

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.

Features and Benefits:

  • Free Visa® debit card
  • Free online banking and mobile banking/deposits
  • No monthly account balance minimums

Why is it recommended for you?

Chime accepts all customers who apply. Even if you have bad or poor credit or have been blacklisted by ChexSystems or credit bureaus.

Apply Now

Republic Bank & Trust Company

Form of verification:

Credit report

Our Fresh Start accounts are for members who have credit scores below 574.

Fresh Start 1

  • No minimum balance unlimited check writing
  • FREE Pronto Debit/ATM card
  • Unlimited Pronto Debit card transactions
  • 7 FREE foreign ATM transactions**
  • Monthly service charge $12.00
  • Direct Deposit required
  • FREE Online Banking
  • FREE DIAL, our telephone banking service
  • FREE e-Statements
  • FREE e-mail notification Unlimited PCFCU ATM transactions No surcharge at any Republic Bank, Fast Bank Free, Money Pass, or Alliance One ATMs
  • FREE Notary Service
  • FREE Signature Guarantee
  • FREE Investment Counseling

Fresh Start 2

  • No minimum balance unlimited check writing
  • FREE Pronto Debit/ATM card Unlimited Pronto Debit card transactions
  • 7 FREE foreign ATM transactions**
  • Monthly service charge $15.00
  • NO Direct Deposit required
  • FREE Online Banking
  • FREE DIAL, our telephone banking service
  • FREE e-Statements
  • FREE e-mail notification
  • Unlimited PCFCU ATM transactions
  • No surcharge at any Republic Bank, Fast Bank Free, Money Pass, or Alliance One ATMs
  • FREE Notary Service
  • FREE Signature Guarantee
  • FREE Investment Counseling
Email from the bank:

When opening a new savings or checking account, we no longer use ChexSystems. All we will do is pull your credit report.

Types of accounts offered:

Personal checking, savings, and business checking

Learn more about Republic Bank & Trust Company

Midwest America Federal Credit Union

Form of verification:

TeleCheck

Email from the bank:

We use a system available through TeleCheck.

Types of accounts offered:

Personal checking and savings

Learn more about Midwest America Federal Credit Union

TCF National Bank

Form of verification:

ChexSystems

I actually called the 1800 number and they told me that as long as you don't owe TCF any money, anybody can open an account. DO NOT APPLY FOR THIS ACCOUNT IF YOU HAVE BEEN REPORTED TO EWS, THE ACCOUNT MAY BE OPENED BUT WILL LATER BE CLOSED.

Types of accounts offered:

Personal checking, savings and business checking

Learn more about TCF National Bank

Old National Bank

Form of verification:

ChexSystems

Old National has a "New Start Account" -- there's no restriction on if the ChexSystems entries are paid or not - is up to the branch manager. Old National has locations in Indiana, Kentucky and Illinois. The account is only offered in branches and can't be open on the phone or online. Account is $8 a month - has all the features as a regular account. If it stays in good standing for 12 months, account can become Free Checking or any other Old National checking account.

Types of accounts offered:

Personal checking, savings, and business accounts

Learn more about Old National Bank

Kentland Bank

Form of verification:

ID

I CALLED THEM AND THEY DO NOT USE CHEXSYSTEMS OR ANY KIND OF CREDIT CHECK AT ALL TO OPEN AN ACCOUNT, JUST BRING 2 FORMS OF ID.

Types of accounts offered:

Personal checking, savings and business accounts

Learn more about Kentland Bank

Communitywide Federal Credit Union

Form of verification:

Credit report

Do not use ChexSystems.

Email from the bank:

We use Equifax Credit Reports.

Anyone can join. If you do not have a family member who has an account here or work for one of our Sponsored Employee Groups, you are eligible to join CommunityWide by joining one of our sponsor associations Michiana Goodwill Boosters or Urban League of St. Joe County.

There is a one time fee of $5 and can be handled when opening the account.

At this time there is no way to join online. We could mail you the necessary paperwork if you would like.

Types of accounts offered:

Personal checking and savings

Learn more about Communitywide Federal Credit Union

U.S. Bank

Form of verification:

ChexSystems

It has been reported that if your report is 21/2 yrs or older, they will not even see it. If this is your situation you can apply online, if not, you would need to visit an “in store” branch.

Most US banks “in store” branches are giving accounts to most people on ChexSystems. These are regular accounts, not 2nd chance checking...as long as you do NOT owe US Bank money and you are not reported on your ChexSystems report for any kind of "fraudulent activity".

There are some branches that are still not using this policy so it might be a good idea to call a branch local to you and ask about their policy first before going in.

Some “in store” branches have signs that actually says “ChexSystems? no problem!”… yet others will not open accounts at all. People are approved everyday.

Some branches do offer 2nd chance checking and some have been able to open business accounts when all debt to reporting bank(s) are paid and fraud is not indicated.

Types of accounts offered:

Personal checking, savings and business accounts

Learn more about U.S. Bank

Vigo County Federal Credit Union

Form of verification:

ChexSystems

It has been reported that you can open a savings account ONLY with a membership.

Types of accounts offered:

SAVINGS ONLY WHEN REPORTED TO CHEXSYSTEMS

Learn more about Vigo County Federal Credit Union

Members Source Credit Union

Form of verification:

OFAC

Email from the bank:

No we do not use ChexSystems or a credit report.

Types of accounts offered:

Personal checking and savings accounts

Learn more about Members Source Credit Union

First Trust Credit Union

Form of verification:

TransUnion Credit report

If your credit report is bad, they give you a Fresh Start Checking, which means there is a $175 daily limit on the debit card but they do not use ChexSystems.

Types of accounts offered:

Personal checking and savings accounts

Learn more about First Trust Credit Union

Solidarity Community Federal Credit Union

Form of verification:

ChexSystems

Even with a ChexSystems record they will approve a savings account with an ATM card and will sometimes help those with checking once the record is paid.

Types of accounts offered:

Personal checking and savings

Learn more about Solidarity Community Federal Credit Union

AAA Federal Credit Union

Form of verification:

Credit report -550 score or about is required

They do not use ChexSystems but they do run a credit report. If you are not eligible for a regular checking they do offer Fresh Start checking.

Fresh Start Program

AAA Federal Credit Union is offering Checking Accounts, Debit/ATM Cards, and Loans to credit challenged members who would not normally qualify for these services. This Fresh Start Program gives our members an opportunity to re-establish their credit profiles and utilize consumer convenience in the process. After one year members who maintain their account with a good record of management and oversight will be considered eligible to convert to a regular checking and debit/ATM card with the regular features associated with those accounts.

Types of accounts offered:

Checking

Learn more about AAA Federal Credit Union

See More Options in Your Area