Louisiana Banks & Credit Unions That Don't Use ChexSystems

When looking for a loan to start your business or opening a financial account to improve your spending habits, relying on large conventional banks may not be the best option. Most mainstream commercial banks in the United States use the ChexSystems report to determine whether they will let you open a savings account or even grant you a loan.

Denial of such financial requests can be detrimental to your personal growth if you get flagged by ChexSystems. Knowing why you got a bad score on the report is the first step to improving your chances. However, it may require you to undergo a thorough process. For this reason, applying to the best banks in Louisiana that do not run banking activities against the report is the best option for you.

Signing up for non-ChexSystems banks means considering options such as community banks, credit unions, and financial solutions. Despite their smaller presence in the banking world, these options help you form a more meaningful relationship with the bank. They also provide all the basic banking capabilities that you need.

Below are some of the many ChexSystems-free financial institutions in Louisiana and their financial products.

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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Community Bank of Louisiana

A community bank is essentially the bloodline of the US banking community. These banks are unique to the United States, and the concept elevates a particular community from troubling times. Signing up with the Community Bank of Louisiana means you will not have to undergo the ChexSystems.

Community banks usually have a state charter and are very focused on the community they serve. The number of community banks is dropping due to mergers, and they own many assets. Many people in Louisiana rely upon community banks, especially those from rural areas.

Reasons to Pick This Bank

Apart from the benefit of easy signups and loan procedures due to the non-ChexSystems reports, the Community Bank of Louisiana offers many more benefits to its customers. Since they are determined to care for the community, signing up for the Bank of Louisiana can provide exclusive benefits unmatched by commercial banks. They also have a mobile banking system that allows you to perform financial transactions remotely. Moreover, since they are a local financial institution, you can expect top-of-the-line in-person customer service.


  • Get loans to grow your local enterprise
  • Incredible in-person customer service
  • Quick transactions through online banking


  • Do not offer advanced online banking services.

Learn more about Community Bank of Louisiana

Crescent Bank & Trust

Crescent bank is a true local bank that people in Louisiana can rely upon and trust. If you want to avoid hurdles due to the ChexSystems report, Crescent Bank can be the answer. This bank is a state-chartered bank based out of New Orleans, Louisiana. Along with the option of an amazing account, they are also subprime Crescent Bank auto lenders. Even if you do not have the best credit, this bank can offer great auto loans to customers. They fund people by selling great certificates of deposits at their branches. People in Louisiana looking for lending partners to avoid difficult situations can find Crescent Bank a great option.

Reasons to Pick This Bank

In 2001, this bank started with the intention to invest in the community of Louisiana. Picking a local bank means enjoying an experience with bank representatives. Crescent bank also offers various banking services to its customers and an opportunity to become a part of a big community. Crescent bank does not offer minimal balances, online banking, free Debit cards for veterans, discounts on auto loans, and many more benefits. Apart from all the great core features of Crescent Bank, their customer service is the best.


  • Online banking option
  • Discount on Auto loans
  • Personal customer service experience


  • A limited number of physical branches and ATMs

Learn more about Crescent Bank & Trust

Home Bank

With locations all around the state of Louisiana, this is an ideal bank for a resident that needs a non-ChexSystems financial option. Instead of utilizing ChexSystems for their application screening, Home Banks uses Telecheck. People from Louisiana can apply for three types of checking accounts when signing up with Home Bank. They offer an Interest Checking account, eBanking Checking account, and Choice Checking Account.

Reasons to Pick Home Bank

Home Bank is an excellent choice as a Non-ChexSystems option. Once you open an account in this bank, you can avail yourself of three resourceful options. The first includes a free debit card. Their debit card allows you to make easy deposits and quick purchases. You also get to experience a free online banking portal. This means that you can make quick transactions and enjoy a streamlined financial application that provides all benefits of modern digitalized banking.


  • Deposit Checks using your Mobile Phone
  • Make use of fraud-free banking
  • Choose from a variety of services and tools
  • Avoid ChexSystems screening report


  • Online banking is not a high-level quality
  • Opening an account requires an initial deposit of $100.

Learn more about Home Bank

Final Words

Finding the right bank to open an account in Louisiana can mean browsing a selection of the best non-ChexSystems options. Signing up with a local credit union or community bank is a great option for the people in Florida. These financial institutions allow you to open up a bank account, use a debit card, and also benefit from cash backs and free ATMs.

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