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

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.

United Bank

The United Bank is one of the oldest banks and has expanded to over 200 locations. This bank does not use ChexSystems, and here you can get the loan you want even if you have a bad credit history.

Reasons to Choose United Bank

There are several reasons why you should choose the United Bank. Let's take a look at the pros and cons of choosing United Bank:

Pros

• You can open the account for as low as $50
• No balance requirement
• No maintenance fee for your account
• In-Network
• Compatible with Apple Pay, Google Pay, and Samsung Pay
• Wealth Management

Cons

• Interest bearing
• Overdraft fee

Learn more about United Bank

Navy Federal Credit Union

The Navy Federal Credit Union is a great option for all eligible family members, such as siblings, parents, and grandparents of Navy Federal Credit Union members.

Reasons to Choose Navy Federal Credit Union

If you have any links with the Navy Federal Credit Union, then you must choose it for loans and other financial assistance. There are over 300 branches of the Union all over the U.S, or if you want, you can also opt for online banking. Let's learn the pros and cons of the Navy Federal Credit Union.

Pros

• No minimum deposits
• No minimum balance requirement
• Non-interest bearing
• Flagship checking account without a monthly fee

Cons

• Limited Fee rebates for ATM
• Minimum balance of $1,500 for Flagship Checking Account

Learn more about Navy Federal Credit Union

Langley Federal Credit Union

Found in 1936, the Langley Federal Credit Union is available for customers throughout the United States. It is a great choice for people with a bad credit history who need a loan from solutions that do not go through the ChexSystem.

Reasons to Choose Langley Federal Credit Union

When choosing a union for your loans, several reasons support the Langley Federal Credit Union. Let's take a look at the pros and cons:

Pros

• Low deposit for the opening of account
• No minimum balance requirement
• Reimbursement of balance fee with the use of debit card once a month
• Free In-network ATMs
• Non-interest bearing

Cons

• Limited features with checking account

Learn more about Langley Federal Credit Union

First American Bank

The First American Bank began operating long ago, and since they, they have been helping users get the loans they need. New Yorkers can apply for an account and loan online. Some features make this bank a first choice for many people struggling with getting loans because of the ChexSystem.

Reasons to Choose First American Bank?

This bank gives you several checking account options for you to choose from. Other than that, let's take a look at the pros and cons of choosing the First American Bank:

Pros

1. No minimum balance requirement
2. No monthly maintenance fee
3. Non-interest bearing
4. Free in-network ATMs

Cons

• The minimum opening deposit is higher than other options

Learn more about First American Bank

Renasant Bank

Renasant Bank has several locations all over the United States. You have the option to choose from four checking accounts.

Reasons to Choose Renasant Bank?

Renasant Bank gives you several reasons why you should choose Renasant Bank. For instance, you can get a digital card or a banking application for iOS and Android. The Renasant bank is also compatible with Zelle, Google pay, and Apple Pay. Let's consider the Pros and Cons so you can make a better decision.

Pros

• Low minimum opening discount
• No minimum balance requirement
• Low or minimal monthly maintenance fee
• Free on-network ATMs

Cons

• Interest bearing

Learn more about Renasant Bank