South Carolina Banks & Credit Unions 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 South 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.

FSNB

Form of verification:

Credit report and ID

You DO NOT have to be military to get an account

FSNB is now open to anyone regardless of being in their location. Take advantage of this while you can. It may not last. ** FSNB now uses a credit report and many people have been turned down due to credit issues ** They do not use ChexSystems or TeleCheck …most people are still being approved

FSNB charges $1 fee for not using one of their ATM's, plus any 'foreign' ATMs You have to call them and ask for new accounts, telling them that you wish to open a new checking account ..an application will be mailed out to you

Types of accounts offered:

Personal checking and savings

Learn more about FSNB

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

South Carolina Federal Credit Union

Form of verification:

Credit report and TeleCheck

Email from the bank:

Thank you for your email! We appreciate your interest in applying for an account with South Carolina Federal Credit Union. We offer a full range of financial products and services to meet all of your financial needs. We do check TeleCheck and pull an inquiry on your credit report. In order to apply for an account with us, you must fall within our field of membership.

Types of accounts offered:

Personal checking, savings and business accounts

Learn more about South Carolina Federal Credit Union

Greenville Heritage Federal Credit Union

Form of verification:

Credit report and ID

Email from the bank:

Greenville National Bank requires certain identification from the customer, name, address, SSN, date of birth to open any account. Credit reports are utilized to verify information. We look at your overall credit and are not looking for a score.

Types of accounts offered:

Personal checking, savings and business accounts

Learn more about Greenville Heritage Federal Credit Union

Woodforest National Bank

Form of verification:

ChexSystems and TeleCheck

2nd Chance account is $7.95 if you have direct deposit
$9.95 if you do not. There is a 15.00 monthly fee FOR A BUSINESS ACCOUNT
$25.00 one time debit card processing fee

However, in 6 months or less, the branch determines if you can move to a regular account or open a savings in addition to the second chance account, regular accounts, you can open immediately!

(Complimentary overdraft) requiring no credit will kick in after 30 days. It is $500 for direct deposit or $300 without it.

ALSO! Phone and Online banking are immediate overnight and they're open 7 days! They are VERY friendly and nice to those reported to ChexSystems.

Email from the bank:

Before you can open an account with Woodforest National Bank we do run TeleCheck and ChexSystems. If you have any unpaid closures reported by a merchant or another financial institution on either one of these reports you will only qualify for our Second Chance Checking account. You will be able to open an account with us as long as we are able to properly verify your identity and you do not have an unpaid charged off account with Woodforest National Bank.

Types of accounts offered:

Second chance checking

Learn more about Woodforest National Bank

First Reliance Bank

Form of verification:

ChexSystems

They have a special account designed for those that are unable to get an account called check and save ANYONE is eligible.

Email from the bank:

I decided to bite the bullet and open a checking account today at First Reliance bank even though they only offer an ATM card. Well to my surprise, they changed their policy two weeks ago!! NOW their second chance account comes with a VISA DEBIT Card!! And you can gets checks as well. (I didn't order checks from them since I am not sure who they use for check printing). And it's only $5 per month! YaY!! The process was quick and easy and the people in the branch could not have been any nicer. Great experience. Thanks :-)

Types of accounts offered:

Second chance checking

Learn more about First Reliance Bank

Founders Federal Credit Union

Form of verification:

They do not use ChexSystems

Email from the bank:

Founders does not use this system.

Types of accounts offered:

Personal checking and savings accounts

Learn more about Founders Federal Credit Union

BlueHarbor Bank

Form of verification:

TeleCheck

I called and they only use TeleCheck, they do NOT use a credit report or ChexSystems.

Email from the bank:

Part of the account opening process does include a reference from TeleCheck. If there is any negative information, we cannot offer a transaction account.

Types of accounts offered:

Personal checking, savings and business accounts

Learn more about BlueHarbor Bank

Singing River Federal Credit Union

Form of verification:

TeleCheck

Email from the bank:

I called and they do not run a credit report. They use TeleCheck.

Types of accounts offered:

Personal checking, savings and business accounts

Learn more about Singing River Federal Credit Union

Georgetown Kraft Credit Union

Form of verification:

TeleCheck

Email from the bank:

I called and they only use TeleCheck.

Types of accounts offered:

Personal checking and savings accounts

Learn more about Georgetown Kraft Credit Union

SPC Credit Union

Form of verification:

ChexSystems

Anyone eligible for membership can get a savings account.

For savings they use OFAC

Checking - ChexSystems (see email below)

Email from the bank:

You have to open a savings account first to be a member which requires a $25.00, OFAC approval, valid driver's license and social security card. As long as the debt has been cleared from ChexSystems and we can get an approval you should be able to open a checking account.

Types of accounts offered:

Personal savings and maybe a checking

Learn more about SPC Credit Union

Carolina Trust Federal Credit Union

Form of verification:

ChexSystems

Encore Checking If you've experienced previous checking mishaps and are looking to re-establish a checking relationship, we hope to give you a second chance to make a good impression. Talk with us. Your less-than-perfect checking record will be reviewed to see if you qualify for this account and agree to the account restrictions. After six months of healthy account management, you may request to trade your ATM for a VISA® debit card. After twelve months, you may apply for another checking account. Encore Checking applicants are required to meet with a Member Service Representative to discuss account restrictions. Encore account holders are required to pay a $10 monthly service fee regardless of account balance.

Email from the bank:

I called and they said that if you are not eligible for regular checking due to ChexSystems they do offer Encore checking.

Types of accounts offered:

Second chance checking

Learn more about Carolina Trust Federal Credit Union

Safe Federal Credit Union

Form of verification:

Equifax credit report

Email from the bank:

For new checking accounts, we do pull a credit report to determine if you can open a checking with SAFE FCU. We require a score of 550 or higher.

Types of accounts offered:

Personal checking, savings

Learn more about Safe Federal Credit Union

Upstate Federal Credit Union

Form of verification:

ChexSystems

Email from the bank:

It is my pleasure to tell you that, yes, we do have a product that we can offer to you even if you have a paid closure showing on ChexSystems.

Types of accounts offered:

Second chance checking

Learn more about Upstate Federal Credit Union

Form of verification:

TeleCheck and a credit report

They do not use ChexSystems

Email from the bank:

I called several locations and they only use TeleCheck and a credit report.

Types of accounts offered:

Personal checking and savings accounts

Ameris Bank

Form of verification:

ChexSystems

It has been reported by several people that you can open a checking as long as the debt to the reporting bank is paid and there is no fraud listed on the report.

Email from the bank:

Yes, you can still open up an account with us if the ChexSystems report states that everything has been paid and cleared.

Types of accounts offered:

Personal checking, savings and business accounts

Learn more about Ameris Bank

Security Federal Bank

Form of verification:

Credit report

Email from the bank:

The Bank requests a credit report on all signers when opening a new account.

Types of accounts offered:

Personal checking, savings and business accounts

Learn more about Security Federal Bank

CPM Federal Credit Union

Form of verification:

Equifax

They use Equifax but they only run it to see if they can help you with loans etc, not for opening an account but they do insist on running it when a checking is opened. For a savings ONLY they will not run the credit report.

Email from the bank:

I was able to get an account with CPM Federal Credit Union. They just check credit and not looking for a particular score. The just verify who you are.