New Jersey Banks & Credit Unions That Don't Use ChexSystems

Sable

Sable is a digital banking company, with which you can get a checking account without any issues. It has a no-credit-check policy, so it is a great option if you do not have the best credit history.

No cash? No problem! Sable accounts have no fees; you need just $25 to open a checking account with this financial service. In addition, you also get a debit card instantly in your Sable digital wallet.

Pros:

• No credit checks
• No minimum deposit or hidden fees
• Cashback with every purchase on popular retail platforms
• Restricted account without a US address for those coming to the country

Cons:

• Only available online
• Does not have a lot of rewards and bonuses

Why We Recommend Sable: Sable is a banking choice for many New Jersey residents who have a poor credit history and/or other negative financial records but need access to a checking account. This financial provider has no fees and minimal requirements for both US and non-US citizens.

Summary: A Sable checking account does not have many rewards, as compared to other banks. However, this financial service is a fantastic alternative to a regular savings account, as it allows you to get a checking account with minimal hassle. Sable also has a mobile app that is effortless to use, thereby making it one of the best banking options that do not use ChexSystems in New Jersey.

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.

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.

Century Savings Bank

Century Savings Bank is another New Jersey bank that does not use ChexSystems, so you can easily get a checking account. This bank offers several individual checking account options.

All checking accounts have several features (e.g., free online banking, automated tellers, eStatements, and bill payment). ATM withdrawals are also free of charge.

Pros:

• Does not use ChexSystems
• Multiple checking-account options available
• Checking accounts come with several free features

Cons:

• Some checking accounts have minimum monthly and maintenance-fee requirements

Why We Recommend Century Savings Bank: Century Savings Bank offers several checking-account options and does not use ChexSystems. Their checking accounts also come with several added features, which is a fantastic bonus.

Summary: This national bank in New Jersey is one of the largest in the state and operates from multiple locations. This financial brand also does not use ChexSystems, so you can get an account—even if you do not have a good credit history and/or you have other negative financial records.

Learn more about Century Savings Bank

Newfield National Bank

If you're looking for a bank in New Jersey that does not use ChexSystems, then Newfield National Bank is a good choice. They have a couple of checking-account options (e.g., consumer and student checking accounts.

Checking accounts at this bank do not have service charges or a minimum daily balance. The minimum balance required by this bank to open a checking account is $50.

Pros:

• Does not use ChexSystems
• Multiple checking-account options available
• No service charges or daily balance requirement

Cons:

• No sign-up offers or bonuses
• Customer support is substandard

Why We Recommend Newfield National Bank: Newfield National Bank makes it effortless to open a checking account—whether you have a good credit score or not. Opening an account at this New Jersey-based bank is effortless, and the app also works seamlessly on all platforms.

Summary: This New Jersey-based finance company is a good alternative for those who want a checking account without too much hassle. Newfield National Bank's customer service definitely needs improvement, but it does not use ChexSystems, which makes it a good option for those with a less-than-stellar financial record.

Learn more about Newfield National Bank

First Atlantic Federal Credit Union

Credit unions in New Jersey are also great options, as they don't use ChexSystems and have minimal requirements for opening a checking account. For example, First Atlantic Federal Credit Union does not have minimum requirements or fees, which makes it a great option.

First Atlantic Federal Credit Union also offers access to ATMs at no additional cost. First Atlantic Federal Credit Union also has a couple of checking-account options (e.g., Youth Spend and Interest Checking). However, free checking is the best option if you do not have a good credit score or if you need a fresh start on your financial journey.

Pros:

• Multiple checking accounts available
• Free checking account has no fees or minimum-balance requirements
• Free access to 30K+ ATMs
• Debit card, mobile banking, and online-banking available with checking account
• Available in multiple locations in New Jersey

Cons:

• Customer support is not that great
• Fewer offers, as compared to other services

Why We Recommend First Atlantic Federal Credit Union: First Atlantic Federal Credit Union does not use ChexSystems and offers multiple checking accounts. The free checking account has minimal requirements, has no fees, and is a great option for those with less-than-stellar financial records.

Summary: First Atlantic Federal Credit Union is not without its drawbacks, but if you can look past the lack of offers, and the substandard customer support, then this credit union might just be what you need to revive your poor financial status.

Learn more about First Atlantic Federal Credit Union

IRCO Community Federal Credit Union

IRCO Community Federal Credit Union is another fantastic option for a checking account without no hassle. This New Jersey-based credit union does not use ChexSystems, EWS, or TeleCheck. All you need is ID, and IRCO Community Federal Credit Union will open your checking account in no time.

The IRCO Community Federal Credit Union checking account comes with a debit card, free online banking, and overdraft protection. In addition, you can also enjoy unlimited check-writing with an IRCO Community Federal Credit Union checking account. You need to pay a $10 monthly fee, but it is negligible, considering the checking account’s other great features.

Pros:

• Does not use ChexSystems
• Checking account comes with several banking features
• Minimal requirements to open a new checking account

Cons:

• A monthly fee is required

Why We Recommend IRCO Community Federal Credit Union: IRCO Community Federal Credit Union does not use ChexSystems, which is why we highly recommend it. The checking account also comes with several banking features (e.g., free online banking and unlimited check-writing).

Summary: IRCO Community Federal Credit Union has a monthly fee of $10, which is not a large amount to begin with. However, if you maintain a daily balance of $25 in your checking account, then the monthly fee is waived, which is a great offer. Apart from that, IRCO Community Federal Credit Union does not use ChexSystems, thereby making it a fantastic option if you have a poor credit history and/or other negative financial records.

Learn more about IRCO Community Federal Credit Union