Does TCF National Bank Use ChexSystems? Is it Good for Bad Credit?
Considering TCF National Bank or already applying for its account? Find out whether TCF National Bank uses ChexSystems and offers a second chance checking or savings account.
You walk into your local bank branch and sit down with your bank representative to talk about opening a checking account. Maybe you’ve been through some financial difficulties in the past, but you are ready to get back on track. But maybe not. You may think your financials are in good shape.
You wait with bated breath through the application process, only to let it out in a sigh of disappointment.
The banking representative turns to you and says, “I’m sorry, but we can’t open an account for you right now. You were rejected by ChexSystems.”
At that point, the banker probably explained ChexSystems to you in detail. If you haven't already, you can read our in-depth guide to ChexSystems and ChexSystems removal, and why it may be having a negative impact on your financial life.
Denials like these are surprisingly common. In fact, CNN has reported that approximately 15% of bank applicants are denied regular bank accounts.
TCF National Bank
Several members of our community have reported that TCF National Bank DOES use ChexSystems but you can still qualify for an account if you don't owe any money to the bank. A second chance checking or savings account is another option to consider. Check out their financial products below and visit the official website to learn more.
|Method of Verification||ChexSystems|
I actually called the 1800 number and they told me that as long as you don't owe TCF any money, anybody can open an account.
DO NOT APPLY FOR THIS ACCOUNT IF YOU HAVE BEEN REPORTED TO EWS, THE ACCOUNT MAY BE OPENED BUT WILL LATER BE CLOSED.
|Official Response (Email or Phone)||I went to the Tempe Marketplace Branch and the girl was really friendly and knowledgable.-------------------------------- YES! TCF Bank in AZ, I was able to open the account, just received my checks and ATM card in the mail. I was able to open the account online with only 25.00 to start. Now my paychecks should startdirect depositing in the next week or so. Thank you sooo much for the help.|
Top Banks That Don’t Use ChexSystems
Below you will find banks that don’t use ChexSystems as an alternative to TCF National Bank in any step of the process. You can be sure that these banks won’t ever cross reference your records before deciding whether to let you open an account.
The list is suggested by our readers. Please consider the Unchex editor's curated list of banks that don't use ChexSystems for all the banking options available nationwide.
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:
- 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.Apply Now
Number of Members
Credit Union Programs
Low Income Designation
Member of FHLB
Many people have been able to get accounts with TCF. They use ChexSystems but are extremely lenient, definitely worth a chance.
None with any of the following:
- Direct Deposits totaling $100+
- $500 minimum balance
- $2,500 Combined Deposit Balances1
- Otherwise $9.95 monthly fee