Mistakes are inevitable in day-to-day life, and the banking system is no exception. Many financial institutions incorporate ChexSystems to track the history of their checking-account applicants. Having financial issues or a bad history with ChexSystems might make your efforts to secure a bank account difficult. From excessive overdrafts to frequent insufficient funds, the reasons one can get banned by ChexSystems are many, and these negative records do not just go away easily, as they can take up to five years to correct.
With this posing a problem for most individuals, the search for a banking system that does not mandate the use of ChexSystems to conduct their operations is of the essence.
There are numerous banks in Pennsylvania that offer beneficial features and do not make use of ChexSystems to scrutinize customers. In this article, we will give attention to the best banks in Pennsylvania that do not make use of ChexSystems.
Having a poor credit score is not an obstacle with a Chime Spending Account. With their award-winning financial app, you can get a Chime account up and running online. Chime also offers a debit card with no credit check and no monthly fees on the account, which means no international-transaction fees, no monthly maintenance fees, no overdraft fees, and no minimum-balance fees. Ever. As a Chime account holder, you even get spotted $200 in the event of an overdraft.
Additionally, with their Credit-Builder Visa Credit Card, Chime also offers customers a means to build their credit. The Chime Credit-Builder Visa Credit Card is a secure credit card with no interest charges, no credit checks, and no annual fees.
With Chime, you can get paychecks two days earlier by utilizing direct deposit. Plus, free cash deposits are available at 8,500+ Walgreens locations. Chime also offers 60K Visa® Plus Alliance ATMs, and Money Pass with no fees.
Chime is an option that is worth consideration. There is little wonder why it made #1 on our list.
Sable is next on our list. With Sable, you get a bank account with a secure credit card, and a debit card that is active in under five minutes. There are no minimum-deposit requirements, no fees, and no credit checks. Additionally, within four months of using the secured card, an individual can get an unsecured credit card. This offer is three times faster than local banks. A Sable credit card also offers up to 2% cash back on your favorite brands.
Finally, you do not need a US credit history or an SSN to open a Sable account. International money transfers are also available in 55+ countries, and irrespective of your language, active customer support is always at your fingertips.
To sign up with Sable, CLICK HERE
Current is third on our list. As one of the rapidly expanding online-banking platforms in the US, Current has 1M+ customers. Current is not a bank, but a financial technology company, and they do not pull customers’ credit reports or use ChexSystems. Current’s mobile bank account has many features, including no-fee protection on overdrafts of up to $100.
They also offer no hidden or minimum-balance fees and provide access to about 40K All-Point ATMs with no fees. With a Current Premium account, payments are made up to two days early using direct deposit. As a plus, Current Savings Pods give up to 4% APY.
To sign up with Current, CLICK HERE
Using the above list, you can be off to a great start with clearing your name from the ChexSystems database. By exploring the options in this article, you can comfortably conduct business transactions with any bank of your choice.