Ohio 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.

The Antwerp Exchange Bank Company

Antwerp Exchange Bank is one of the banks that doesn’t use ChexSystems in Ohio. It is located in Antwerp, Harlan, and Payne. To open a checking account with Antwerp Exchange, you only need a valid photo ID.

Pros

• Your checking account allows for online banking.
• You can manage your debit card via their mobile app.
• No monthly fees.
• You receive checks for free on your first order.

Cons

• It requires a minimum opening amount.

Learn more about The Antwerp Exchange Bank Company

Cardinal Credit Union

Cardinal Credit Union is also located in Ohio, with branches in Ashtabula, Austintown, Mentor, Richmond Heights, Westlake, and Willoughby. It does not use ChexSystems, so you do not have to worry if you have an adverse history.

Pros

• It offers free online banking services.
• ATM transactions are free.
• It comes with a debit card.
• Zero minimum balance.

Cons

• Comes with a monthly fee.
• You are required to sign up for a direct deposit to open the account.
• It does not come with checks.

Learn more about Cardinal Credit Union

Progressive Bank

Progressive Bank has an active presence in Ohio, with locations in Cambridge, Crooksville, Frazeysburg, Heath, New Concord, and Zanesville. It does not use ChexSystems to review account opening but may opt for your credit score report.

Pros

• It does not charge a monthly maintenance fee.
• It doesn’t require a minimum balance.
• You can get in-person customer support at any of its branches.
• It offers mobile and online banking services.

Cons

• You need an opening amount of $100.
• It charges a non-network ATM fee, meaning free withdrawals are only available on Progressive Bank ATMs.

Learn more about Progressive Bank

The Farmers State Bank

The Farmers State Bank is a non-ChexSystems Bank in Ohio with locations in Greenville, Lewisburg, New Paris, New Madison, Portland, Springboro, and Winchester. It does, however, use a TransUnion credit report to review applications.

Pros

• Its Direct Account does not charge a monthly fee.
• It offers interest.
• It offers free mobile and online banking services.

Cons

• It charges non-network ATM withdrawal fees.
• You need to maintain a $100 balance before you can begin to earn interest.

Learn more about The Farmers State Bank

United Bank

United Bank is a non-ChexSystems bank in Ohio, with several other branches across the US.

Pros

• No minimum balance requirement.
• No monthly fees.
• It offers online and mobile banking services.

Cons

• Requires a minimum account opening deposit.
• It charges non-network ATM fees.

Learn more about United Bank

The First Central National Bank of St. Paris

First Central National Bank is in Ohio as well, with branches in St. Paris, Rosewood, and Christiansburg. Opening an account here is easy; it only requires a photo ID. It also does not use ChexSystems.

Pros

• No minimum balance.
• Cheap monthly service fee.
• Free checking accounts for seniors and students.
• Unlimited check access.
• It offers a variety of checking account options to choose from.

Cons

• Does not earn interest.
• Charges a monthly service fee.

Learn more about The First Central National Bank of St. Paris

First Federal Savings Bank

First Federal Savings Bank is a non-ChexSystems bank in Ohio. Its branches are in Gahanna, Granville, Heath, Newark, and Pataskala. It uses Telecheck to check for eligibility instead of ChexSystems.

Pros

• It offers online and mobile banking services.
• It offers a debit card.
• Its monthly maintenance fee can be waived.
• No minimum balance is required.

Cons

• It charges a monthly service fee.
• It charges an ATM withdrawal fee.

Learn more about First Federal Savings Bank

Huntington Bank

Huntington National Bank does not use ChexSystems for account opening. It has branches nationwide, including several in Ohio. It is also the largest bank in Ohio.

Pros

• No minimum opening deposit.
• It offers a variety of account options to choose from.
• No minimum balance is required.
• Has a very active presence in Ohio, and you can easily get in-person support.

Cons

• If you have an EWS record, your application may be denied.
• It charges non-network ATM fees.

Learn more about Huntington Bank

First Federal Bank of Ohio

First Federal Bank of Ohio has its branches located in Cardington, Galion, Mt. Gilead, Mansfield, Shelby, Sandusky, and Tiffin. The requirement for opening an account is just a photo ID. It is one of the banks that does not use ChexSystems in Ohio.

Pros

• It offers mobile banking services.
• Its monthly fee is very cheap and can be waived.
• Comes with a debit card.

Cons

• For a minimum balance, you have to pay a monthly fee.

Learn more about First Federal Bank of Ohio

Greenville National Bank

Greenville National Bank does not use ChexSystems to verify if a person is eligible to open an account. Instead, it makes use of a person’s credit report.

Pros

• It does not charge a monthly fee.
• No minimum balance.
• It offers online and mobile banking options.

Cons

• You need an account opening amount of $50.
• It charges non-network ATM fees.
• Some account options may have monthly fees.

Learn more about Greenville National Bank

IH Credit Union

If ChexSystems has you struggling to open an account in Ohio, IH Credit Union offers you a seamless route. It is a non-ChexSystems credit union, and you only need a photo ID to open an account. It is located in Urbana and Springfield, Ohio.

Pros

• It does not charge a monthly fee.
• You can earn rewards without having a minimum balance.
• You get automatic membership qualification if you live, school, work, or worship in any of these eight counties - Clark, Greene, Madison, Miami, Logan, Montgomery, Champaign, or Union. Also, you get automatic membership if family members work with or retired from member companies.

Cons

• Requires an account opening deposit.
• If you do not get automatic membership, you have to register with the American Consumer Council.

Learn more about IH Credit Union

The Covington Savings and Loan Association

With Covington Savings and Loans, you can have an account opened without having your ChexSystems reviewed. All that is required for account opening is a valid ID.

Pros

• It offers interest-bearing accounts.
• It offers online banking.
• With offices in Bradford and Covington, you can get in-person support.
• Monthly fees can be waived.

Cons

• It charges monthly fees.

Learn more about The Covington Savings and Loan Association