Michigan Banks & Credit Unions That Don't Use ChexSystems

If you are the type of individual who has had financial problems in the past, then you don’t need anyone to tell you how difficult it can be to dig yourself out and get back on track. Such problems tend to snowball. Whether it begins with constant insufficient funds or excessive overdraft fees, once the problems start piling up, the situation usually only gets bigger even faster.

As if this isn’t bad enough, once you start registering on ChexSystems, no financial institution will want to touch you. How are you supposed to pull yourself out of debt and get back on track if you can’t even pay the debts you have? Given that negative reports can remain on ChexSystems for five years or more, you might even find yourself unable to secure an account.

Therefore, it becomes necessary to do business with financial institutions that don’t use ChexSystems, and if you are in Michigan, then you are in luck because there are several available for you to choose from. It’s just a matter of knowing which one to choose, why you should choose them, and what kinds of finance options they offer.

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.

Apply Now
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.

Learn More


Another financial institution available in Michigan with a load of financial options that skips right over ChexSystems is Current. While they are more of a financial-technology company, as opposed to a banking institution, they still offer a wide variety of banking options.

Current also believes in free banking for all, so much so that consumers don’t need to worry about any hidden fees, weekend fees, minimum-balance fees, or foreign fees. Like Chime, they also offer overdraft protection, but it only goes up to $100. That said, Current helps you grow faster than other banks. When you swipe your card at participating merchants, you’ll earn points that can later be redeemed for cold, hard cash.

What’s even more impressive is the ability to grow your savings. With access to the institution's Savings Pods, consumers stand to earn 40X the national average at 0.07%. The more money you put in, the more you will earn!

Current Benefits:

  • With Current, you never have to worry about hidden minimums or foreign fees.
  • Current allows you to earn cashback points when you shop at applicable vendors.
  • Current allows you to earn 0.07% interest on the cash you put in.
  • Current offers access to 40K+ free AllPoint ATMs.

Current Account Options:

  • Personal Current Account
  • Teen Account

Get started with Current today!


Sable offers a lot of the same popular financing options that you’ll find at the two institutions listed above. However, the area they really pride themselves on is speed. They are said to be the world’s fastest, most premium road to financial freedom. Setting up your account and getting started only takes about five minutes. There is no need to worry about hidden, foreign, or maintenance fees. After four months of banking, you’ll be granted access to an unsecured credit card, which is 3X faster than traditional banking options.

Furthermore, not only does Sable skip ChexSystems altogether, but it completely bypasses the social-security system. You don’t need a United States credit history to sign up and get started.

With access to send and receive funds to 55+ countries, along with multilingual customer support, you’ll have access to one of the world’s largest financial institutions. When using your Sable credit card with select vendors, you can earn as much as 2% cashback.

Along with a 98% approval rating, it is a near guarantee for anyone to sign up and start building their credit.

However, while they do offer access to quite a few nice features, you can’t make check deposits, and there is no ATM access. These things could be dealbreakers for some individuals.

Sable Benefits:

  • Sable boasts a 98% approval rating for all applicants.
  • Sable offers 1% cashback rewards on purchases at Sable-approved vendors.
  • Sable charges no hidden monthly fees.
  • Sable requires no minimum initial deposit.
  • You can pay all your bills with Sable, as most vendors accept this as a valid payment form.

Sable Account Options:

  • Secured Bank Accounts
  • Secured Savings Accounts

Get started immediately with Sable!

COPOCO Community Credit Union

Copoco Community Credit Union certainly isn’t as attractive as the first three options, but it is nonetheless a viable banking option that doesn’t use ChexSystems. Instead, they use what is known as TeleCheck. Additionally, all members will be charged a $2 monthly fee for having less than $300 in their account. If you want to avoid such fees, you’ll need to maintain a minimum balance of $300.

Despite this, Copoco Community Credit Union provides excellent customer service to members of the armed forces. If you are an active or former member of service, then you’ll be granted access to lower interest rates.

Finally, with access to free Powerline Audio Tellers, as well as online banking, you can ensure that all your debts will be handled properly and on time.

Copoco Community Credit Union Benefits:

  • Copoco Community Credit Union offers reduced interest rates for active and former members of service.
  • When you sign up for the award-winning BluePay Partnership with Copoco Community Credit Union, you can immediately start earning cashback on viable purchases.
  • Copoco Community Credit Union offers free rates analysis for any interested party.

Copoco Community Credit Union Account Options:

  • Personal and Business Banking Accounts
  • Personal and Business Loans
Types of accounts offered:

Personal checking, savings and business accounts

Learn more about COPOCO Community Credit Union

Community First Federal Credit Union

With no minimum-balance fees and limitless, fee-free monthly check-writing, Community First Federal Credit Union allows you to handle all your financial affairs swiftly and promptly.

Unfortunately, interested members will need to go through a credit check to sign up. However, if the check goes well, then it doesn’t matter what ChexSystems has on your record. After providing your ID during the initial sign-up process, you’ll be guaranteed a fully active financial account.

Members that maintain a daily balance of $1K or over will be granted special dividends. These dividends can then be compounded monthly and credited back into your account. Simply put, you’ll be granted special interest for every month that your account contains $1K or more. It might not seem like a lot initially, but such dividends can compound nicely at the end of a long month.

With Community First Federal Credit Union’s real-time updates, you’ll stay ahead of your accounts and/or creditors. You’ll always know what’s going on in real-time.

Use Community First Federal Credit Union’s official website to locate nearby ATMs and branches or download the app and always stay connected on your smart device.

Community First Federal Credit Union Benefits:

  • Community First Federal Credit Union offers access to ATMs and physical branches.
  • Community First Federal Credit Union is a big supporter of local schools and charities. When you do business with them, you are giving money back to your community.

Community First Federal Credit Union Account Options:

  • Checking Accounts
  • Savings Accounts
  • Credit/Debit Cards
  • Auto Loans with Interest Rates Starting as Low as 2.99%
  • Home Loans with Interest Rates Starting as Low as 6%

Learn more about Community First Federal Credit Union


With the current shape of the economy, it is easy to understand how people are getting in over their heads financially. Combine this with the desire to own something big (e.g., a house or a car), and you must go into debt for it, which makes the situation even more frustrating.

With all that in mind, no one should have to fight against the financial institutions that are supposed to be there to provide for them. However, that’s what it’ll seem like if you end up on ChexSystems.

It is virtually impossible to handle even the most minor financial affairs today without proper banking or checking accounts. Luckily, there are still options available in the form of financial institutions that are more than willing to reward you for doing business with them. When you choose one of the financial institutions listed above, you can compound your interest, save money on purchases, and earn reward points for doing business with applicable companies.

Don’t let debt control your life anymore. Use the money that you are going to spend anyway to reap the biggest benefits when banking with the right institutions!

See More Options in Your Area