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.
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.
Chime accepts all customers who apply. Even if you have bad or poor credit or have been blacklisted by ChexSystems or credit bureaus.
Apply NowCredit 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
Personal checking and savings
Learn more about FSNB
Credit report and TeleCheck
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.
Personal checking, savings and business accounts
Learn more about South Carolina Federal Credit Union
Credit report and ID
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.
Personal checking, savings and business accounts
Learn more about Greenville Heritage Federal Credit Union
ChexSystems and TeleCheck
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.
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.
Second chance checking
Learn more about Woodforest National Bank
ChexSystems
They have a special account designed for those that are unable to get an account called check and save ANYONE is eligible.
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 :-)
Second chance checking
Learn more about First Reliance Bank
ID
They do not use ChexSystems
Founders does not use this system.
Personal checking and savings accounts
Learn more about Founders Federal Credit Union
TeleCheck
I called and they only use TeleCheck, they do NOT use a credit report or ChexSystems.
Part of the account opening process does include a reference from TeleCheck. If there is any negative information, we cannot offer a transaction account.
Personal checking, savings and business accounts
Learn more about BlueHarbor Bank
TeleCheck
I called and they do not run a credit report. They use TeleCheck.
Personal checking, savings and business accounts
Learn more about Singing River Federal Credit Union
TeleCheck
I called and they only use TeleCheck.
Personal checking and savings accounts
Learn more about Georgetown Kraft Credit Union
ChexSystems
Anyone eligible for membership can get a savings account.
For savings they use OFAC
Checking - ChexSystems (see email below)
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.
Personal savings and maybe a checking
Learn more about SPC Credit Union
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.
I called and they said that if you are not eligible for regular checking due to ChexSystems they do offer Encore checking.
Second chance checking
Learn more about Carolina Trust Federal Credit Union
Equifax credit report
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.
Personal checking, savings
Learn more about Safe Federal Credit Union
ChexSystems
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.
Second chance checking
Learn more about Upstate Federal Credit Union
TeleCheck and a credit report
They do not use ChexSystems
I called several locations and they only use TeleCheck and a credit report.
Personal checking and savings accounts
Learn more about AllSouth Federal Credit Union
​ 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.
Yes, you can still open up an account with us if the ChexSystems report states that everything has been paid and cleared.
Personal checking, savings and business accounts
Learn more about Ameris Bank
Credit report
The Bank requests a credit report on all signers when opening a new account.
Personal checking, savings and business accounts
Learn more about Security Federal Bank
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.
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.
Personal checking and savings
Learn more about CPM Federal Credit Union
Credit report
They use Equifax and they look at your overall credit to determine if an account can be opened there.
Personal checking and savings
Learn more about Greenville Federal Credit Union
TeleCheck
Anyone who lives, works, worships or attends school in Spartanburg County is now eligible to open an account at Spartan Federal Credit Union.
Personal checking and savings accounts
Learn more about Spartan Federal Credit Union
Credit report
They do not use ChexSystems.
Checking and savings accounts
Learn more about Carolinas Telco Federal Credit Union