Kentucky Banks & Credit Unions That Don't Use ChexSystems

A ChexSystems report is many times an obstruction when residents of Kentucky are trying to make a bank account or edging for a loan. If you have got your bank loan or account request back and it has not been approved, there is a good chance that you have applied to a bank that uses ChexSystems to run its database. For this reason, the better option is to consider credit unions and financial institutions that do not use ChexSystems reports to analyze your previous banking history.

A ChexSystems entity is a private agency that runs your banking database against stringent criteria and decides whether you qualify for a bank account according to the score you get. Most conventional large-scale banking institutions use the ChexSystems report, which is why Kentucky people can struggle with opening a bank account or even asking for a loan. Even though it is possible to pay your dues and remove this report, you should apply to open bank accounts at non-ChexSystems banks in Kentucky.

Below is a list of bank options in Kentucky that can help you steer clear from this screening.

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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First Southern National Bank

If you are looking for a bank in Kentucky that does not use the ChexSystems report to analyze applicants, First Southern National Bank can be a great option. For many residents in Kentucky, this bank has provided meaningful loans which have set their lives in order. If your banking records make it difficult for you to get a loan for your business, First Southern National Bank can be your answer. This financial institution fulfills the sole purpose of serving the local community.

Reasons to choose First Southern National Bank

At First Southern National Bank, you make more than just financial transactions and form a relationship with the bank. Unlike conventional banks, First Southern National Bank is more likely to believe in your plan and approve your loan or bank account application. Therefore, if you are looking for a non-ChexSystems bank that is more than just a financial tool but also a trusted advisor and supporter, then this bank is the best option. This bank is committed to lending its clients a helping hand and providing scalable solutions to their business propositions.


  • They will add value to your business
  • Avoid ChexSystems Report
  • Great Financial Products


  • They may have limited locations in Kentucky

Learn more about First Southern National Bank

First United Bank

This brick-and-mortar bank is another great non-ChexSystems financial solution for users. Apart from its amazing checking account and savings account availability, the First United Bank and Trust Company allows you to keep close track of your monthly statements. The financial products you receive are also high quality, offering banking solutions that help you spend money wisely.

Reasons to Choose This Bank

Along with the integrated savings solutions of First United Bank and Trust Company, it also offers secure checking, which keeps your accounts secure with ID Protect technology. Overall, with First United Bank and Trust Company, you get the protection of highly optimized built-in tools. You also enjoy Online and mobile banking solutions, identity theft monitoring, and resolutions. Overall, it is a great banking option if you do not want to face troubles due to ChexSystems. You will also have access to avail countless benefits such as savings and more.


  • Great In-person customer service
  • Programs that allow you to spend wisely.
  • Integrates the banking system with secure protection


  • Its mobile banking application does not rank high.

Learn more about First United Bank

Abound Credit Union

Abound Credit Union offers great value to the people of Kentucky. It is a non-ChexSystems financial option that provides excellent customer service and incredible financial products. For instance, if you open a bank account in the Abound Credit Union, you become eligible for the Abound Visa Card. This financial product can help ease your burden on many purchases, including gas costs. It also comes with secure deposits along with a comprehensive mobile banking application.

Reasons to Choose Abound Credit Union

One of the main reasons why you should pick the Abound Credit Union is the Abound Platinum Visa Card. This card comes with a great reward system. It not only gives you a 5% cash back on your gas purchases at the pump but also a 5% cash back in rotating quarterly categories. You also get unlimited cash back on gas purchases. Abounds incredible cash Back programs help you save money and enjoy a smooth and seamless mobile application that is secure and makes banking easy.

Abound allows anyone in the US to open an account in the bank. There are three ways you can qualify for their banking systems. You can live or work in an eligible county within Kentucky, have a family member with a Union account, or pay a 10-dollar membership fee to support a military and support group. Despite the price you have to pay, getting this financial product can be worth it as it will help you get great value for years. To maintain your Abound Credit membership, you will also have to keep a minimum of 5 dollars in your savings account, which is a very small amount.


  • It offers great cashback opportunities.
  • Cashback on all gas purchases is ideal.
  • Optimized application with multiple features


  • They do not offer to sign up bonuses

Learn more about Abound Credit Union

Final Words

As you can see, many financial institutions and credit unions do not test your banking database against ChexSystems. If you want to increase your chances of opening a bank account or getting a loan, consider the above options in Kentucky.

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