35+ Top Banks That Don’t Use ChexSystems North Carolina

Best Banks & Credit Unions in North Carolina That Don't Use ChexSystems

ChexSystems can be a real pain to deal with when you’re trying to get a bank account opened in your name. It was established as a system to monitor and screen people who are looking to open checking and savings accounts. But the side effects of this kind system can result in you being unable to open a bank account even if you haven’t done anything shady.

Fortunately, there are still more than a couple of banks in North Carolina that don’t use ChexSystems for verification. We’ll be looking at some of these banks as well as what your options look like if you get flagged by ChexSystems.

Editor's Choice

Chime

Chime is a fast-growing internet-only bank. Unlike big banks, Chime was created during the smartphone era and, therefore, features an app that is more than just a way for customers to review their bank accounts.

Features and Benefits:

  • Free Visa® debit card
  • Free online banking and mobile banking/deposits
  • No monthly account balance minimums

Why is it recommended for you?

Chime accepts all customers who apply. Even if you have bad or poor credit or have been blacklisted by ChexSystems or credit bureaus.

Apply Now

Fort Financial Federal Credit Union

Form of verification:

Acquire

Email from person that got an account:

Hello, I did receive your list of non-ChexSystems banks and credit unions; and I am happy to say that I got BOTH a savings and checking account on yesterday from Fort Financial Credit Union, in Gastonia, NC...absolutely no problems...was in and out in 10 mins....Thank you VERY much.

Email from the bank:

We verify through Acquire, which is a form of a credit bureau.

Types of accounts offered:

Personal checking and savings

Learn more about Fort Financial Federal Credit Union

Champion Credit Union

Form of verification:

TeleCheck

Email from the bank:

The Credit Union currently uses TeleCheck.

Types of accounts offered:

Personal checking, savings and business accounts

Learn more about Champion Credit Union

Farmers & Merchants Bank

Form of verification:

TeleCheck

Email from the bank:

F&M Bank utilizes the services of TeleCheck.

Types of accounts offered:

Personal checking, savings and business accounts

Learn more about Farmers & Merchants Bank

Pentagon Federal Credit Union

Form of verification:

Credit report

Anyone can open a savings account once they become a member but checking accounts are based on your credit report. They are known to be very picky about credit. Most are denied the checking account at this credit union and are only approved for the savings.

Email from the bank:

We will pull a copy of your credit report when you apply to open an account.

Types of accounts offered:

Personal checking and savings

Learn more about Pentagon Federal Credit Union

Roanoke Valley Savings Bank

Form of verification:

ID

Anyone can open a savings account but nothing is done electronically. They do NOT offer ATM cards and they do NOT offer checking at all.

Types of accounts offered:

Savings only

Learn more about Roanoke Valley Savings Bank

Carter Bank & Trust

Form of verification:

Credit report

I also called several locations and they told me that they do not use ChexSystems.

Email from person that has an account:

Carter Bank is a small bank system in North Carolina and Virginia. They do not have ATM or Debit cards, nor do they have online access to accounts. Just checking accounts with paper checks. They do not have minimum balance requirements. I have had several accounts with them for over 5 years. Great little bank, just about 20 years behind!

Email from the bank:

Under Federal Regulation known as the "FACT ACT" we are required to obtain a credit report prior to the opening of any account. Thanks for your interest in Carter Bank & Trust.

Types of accounts offered:

Personal checking and savings accounts

Learn more about Carter Bank & Trust

Carolinas Telco Federal Credit Union

Form of verification:

Credit report

They do not use ChexSystems.

Types of accounts offered:

Checking and savings accounts

Learn more about Carolinas Telco Federal Credit Union

Members Credit Union

Form of verification:

Credit report

Email from the bank:

Members Credit Union currently uses credit reports to determine approval for new accounts.

Types of accounts offered:

Personal checking and savings accounts

Learn more about Members Credit Union

See More Options in Your Area