35+ Top Banks That Don’t Use ChexSystems New Jersey

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

Negative financial records stay in ChexSystems for up to five years, which can greatly influence your ability to get a bank account. Your negative record may include overdrafts, unpaid fees, and bounced checks. Banks consider all of these when deciding whether to approve your bank-account application but getting rejected should not stop you from getting the financial help you need.

Some banks in New Jersey are not as rigorous with ChexSystems, so you can easily get a checking account without a lot of issues. Other financial institutions (e.g., credit unions) also offer checking-account options to individuals with no bank account.

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.

Chime

Chime is not a bank, per se, but it is a great alternative if you want to open a checking account in New Jersey. This financial app is 100% free, does not have any fees, and does not run a credit check.

This checking-account app also comes with a credit-builder card, which is a fantastic feature. In addition, you also get a debit card with your Chime account. With the app, paychecks also arrive up to two days early.

Pros:

  • No credit check
  • No maintenance or transaction fees
  • Debit card and credit-building card available

Cons:

  • In-person services are not available

Why We Recommend Chime: Chime checking accounts have minimal requirements, thereby making it a great choice for getting your finances in order. In addition, the APY is competitive, and you can build your credit score.

Summary: If you are in New Jersey and want to boost your credit score and get your finances back on track, then Chime is a great option to check out today.

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

Conclusion

Whether you are in New Jersey or not, a poor financial record can make getting a bank account challenging. Banks and other financial institutions use ChexSystems and similar platforms to comb through your financial records (e.g., credit history, loan repayment, and spending behavior).

Thankfully, the above banks and financial institutions in New Jersey can quickly approve your checking account in no time. The primary reason is they do not use ChexSystems, but these financial services also have minimal requirements. Whether online or offline, signing up for an account at these financial brands is straightforward. Most of these services also have a mobile app for added convenience and easy access.

The above checking accounts come with several helpful features (e.g., online banking and free ATM use, among others). If you are looking for the best banks in New Jersey that don't use ChexSystems, then this list should give you a head start.

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