Oregon Banks & Credit Unions That Don't Use ChexSystems

If you have experienced problems with managing your checking account in the past, then you deserve a fresh start. However, your past bank debts, insufficient funds, and/or other flaws in your financial history might show up if a bank utilizes your ChexSystems record. This can automatically terminate your application during the review process.

Fortunately, there are numerous prominent banks that operate in the state of Oregon and can help you get back into good financial standing. Some of these banks provide the option of second-chance banking, which comes with its own set of limitations. Others use alternative processes for reviewing your records. Either way, you have a higher chance of getting approved and benefiting from one of the banks listed below. If you want to learn more about the banks that offer ChexSystems-free service in Oregon, then keep reading!

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.

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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.

Learn More


Current isn’t a traditional bank, but rather a company that deals in financial technology. The company has a lot to offer to potential clients and doesn’t employ ChexSystems or check your credit report.

You get overdraft protection of up to $100 with your Current mobile-banking account. You can also access 40K+ ATMs with your Current debit card, which features no hidden charges or minimum-balance requirements. If you opt for a Current premium account, then you will get paid up to two days early through direct deposit. Finally, Current Savings Pods provide users with up to 4% APY.

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You can open an account with Sable and get a debit card and secured credit card in just about five minutes. There are no credit checks, charges, or minimum-deposit requirements.

You can receive an unsecured credit card after using your secured credit card for four months. This is 3X faster than other banks. You can also get 2% cashback on your preferred brands through Sable’s credit card. You don’t need a credit history in the US or a Social Security Number to open an account with Sable.

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Consolidated Community Credit Union

You can find the ideal fit for your long-and-short-term financial needs with Consolidated Community Credit Union’s excellent range of convenient checking-account products. You will only need to deposit $5 to open an entry-level checking account, and you will not have to worry about keeping a minimum balance afterward. You will have access to various online tools for checking and accessing your funds around the clock, every day of the week. A premium checking account with Consolidated Community Credit Union requires a minimum $25 to open the account but provides your revolving balance with 2.02% interest. Finally, you will gain access to an excellent array of online services and 30K+ ATMs.

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HomeStreet Bank

You can open an account with HomeStreet Bank based on the severity of your ChexSystems report.

There are several options to choose from (e.g., Choice, Select, and Premium checking). Choice Checking is the conventional option, and while there aren’t any monthly charges, you must deposit $100 to open the account. In return, you will receive access to services inclusive of mobile and online banking and a free debit card.

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Point West Credit Union

You can get a foothold in finance with Point West Credit Union’s Fresh-Start Checking—even if you have a record with ChexSystems. You will be eligible to open up an account with Point West Credit Union—even if you have any pending ChexSystems debts.

Point West Credit Union is the bank for you if you want a small-town feel combined with the resources of a powerhouse bank. Point West Credit Union features no minimum-balance requirements for any of their checking accounts. You will be provided access to an excellent and convenient checking system that charges a low-cost maintenance fee of just $10 per month.

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Union Bank

Union Bank uses ChexSystems; however, you can still get authenticated if you fulfill specific criteria. Your ChexSystems record must have all debts paid, and it must be more than one year old. Union Bank may make exceptions in certain cases, but you will not be eligible if there is any indication of fraud on your record.

Union Bank’s checking account is sufficient for managing all your finances. You get the usual services (e.g., debit cards, mobile and online banking, unlimited check-writing, savings account, etc.). The monthly fee is $8, but it can be eliminated if you have $500 direct deposited into your account every month or if you have a steady balance of more than $1,500 dollars in your account.

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U.S. Bank

US Bank uses ChexSystems; however, you may still be eligible for an account, and your odds further increase if you apply in person at a branch.

You will have to pay $6.95 a month for an easy checking account, which offers benefits like check-writing. Alternatively, if you don’t need checks, then you can opt for the Safe Debit Account, which costs only $4.95 a month.

Learn more about U.S. Bank

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