Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.


mca

Members
  • Content Count

    1,814
  • Joined

  • Last visited

2 Followers

About mca

  • Rank
    Lead - Chexsystems Help Forum
  • Birthday 03/07/1968

Contact Methods

  • Website URL
    https://checking-plus.com/

Profile Information

  • Interests
    Helping people on chexsystems obtain accounts wtih banks and credit unions that do not use chexsystems. Visit my web site for more information on chexsystems related issues and an updated list of banks and credit unions

Recent Profile Visitors

1,170 profile views
  1. I put my website back up and I am currently revamping it to hopefully be able to help those looking for me in the future. I am currently updating my list of banks and credit unions as well. I have also started a blog that I hope some might enjoy. I started helping those reported to chexsystems almost 20 years ago.. time certainly does fly by it seems. my new site is at https://checking-plus.com/ love to all of my credit board family mca
  2. thank you, they have been removed.
  3. Maine Eastmill Federal Credit Union They do not use anything including a credit report. Proper ID is required Saco Valley Credit Union Only ID is required to open an account New Dimension Federal Credit Union They do use chexsystems but anyone can get a savings account with a membership. More than likely you can get a checking if chexsystems shows paid for more than one year and no fraud. Midcoast Federal Credit Union They use only a credit report and an ID Town and Country Federal Credit Union They use a credit report Five County Credit Union They offer second chance checking Infinity Federal Credit Union They offer second chance checking Maryland Greenbelt Federal Credit Union They use Telecheck Security Plus Federal Credit Union They offer a second chance checking called Revive Checking Premier Bank They offer an account called StartFresh Checking CommonWealth One Federal Credit Union They offer a second chance checking Clear Mountain Bank They offer an account called Start Fresh Massachusetts My Mutual Bank They do not use Chexsystems or any type of report including a credit report. Proper ID only Millbury Savings Bank Proper ID only is required Rollstone Bank and Trust They do not use any type of report including a credit report but do require proper ID Webster Bank They offer second chance checking called Opportunity Checking Hope Community Credit Union They do use chexsystems but you can still get an account once you become a member. They do offer an account called Easy Checking for those reported to chexsystems and those with a credit score of less than 600 $9.95 a month if the balance of 200.00 is not maintained. FREE if balance of 200.00 is maintained OneUnited Bank They offer a second chance account called U2 Checking Alden Credit Union They offer a second chance checking called No Boundaries Checking Tremont Credit Union They offer Second chance checking Washington Savings Bank Rewards Card Checking was designed for those reported to Chexsystems Michigan Eaton Federal Savings Bank They use Telecheck United Bay Community Credit Union They use Telecheck COPOCO Community Credit Union They use Telecheck Motor City Co-op Credit Union They use Telecheck Metro Shores Credit Union They use Telecheck Alpena Credit Union They use valid ID and a social security card Settlers Federal Credit Union They use proper ID only Straits Area Federal Credit Union They use proper ID only Forest Area Federal Credit Union They use Telecheck Community First Federal Credit Union Only valid ID is required. A credit check is done for a debit card LOC Federal Credit Union They use Telecheck TACU Proper ID is required Riverview Community Federal Credit Union They use Telecheck Calcite Credit Union They use Telcheck Michigan First Credit Union They offer second chance checking called Classic Checking Chief Financial Credit Union They use Telecheck Clarkston Brandon Community Credit Union They offer Fresh Start checking Members First Credit Union They offer second chance checking Consumers Credit Union They use a credit report Central Savings Bank They use a credit report Dowagiac Area Federal Credit Union They use a credit report Covantage Credit Union They use a credit report TBA Credit Union They use a credit report Kent County Credit Union They use a credit report Western Districts Members Credit Union With a membership anyone can open a savings account but they will run a credit report for a checking Gratiot Community Credit Union They use a credit report United Financial Credit Union They use a credit report and a score of 550 or higher is required Battle Creek Community Area Credit Union They use Telecheck and a credit report Dort Federal Credit union Anyone can get a savings account with a membership but for a checking they will run a credit report Meijer Credit Union They run a credit report and require a score of 620 or higher Community West Credit Union They use a Transunion Credit report and require a score of 640 or higher Portland Federal Credit Union They use a credit report Team One Credit Union They use a credit report Rogue River Community Credit Union They use a credit report Wanigas Credit Union They use a credit report Family First Credit Union They use a credit report Catholic Federal Credit Union They use a credit report Oakland County Credit Union They use a credit report River Valley Bank They use a credit report West Michigan Credit Union They use a credit report United Community Credit Union They use an Equifax Credit report Nicolet National Bank They use a Transunion Credit report Member Focus Community Credit Union They use Telecheck and a credit report Lakes Community Credit Union They use Telecheck and an Experian Credit report Community Wide Credit Union They use a credit report South Central Credit Union They use a credit report Horizon Bank They offer Fresh Start Checking Farmers and Merchant State Bank They offer clean slate checking Western Federal Credit Union They offer a second chance account called Right Start Checking Credit Union One They offer a second chance checking called Basic Checking Marshall Community Credit Union They offer Fresh Start Checking Michigan State University Federal Credit Union They offer an account called Rebound Checking Washtenaw Federal Credit Union They offer second chance checking Community Focus Federal Credit Union They offer second chance checking Minnesota Gate City Bank They do not use Chexsystems or any type of report They run drivers license and social security number through Choice Point to verify identity only Peoples Community Credit Union They offer second chance checking Westconsin Credit Union They use a credit report Marine Credit Union They use a Transunion Credit report American Federal Bank They use a credit report United Savings Credit Union They use a credit report Minnesota Valley Federal Credit Union They offer second chance checking Mississippi First National Bank of Picayune They use Telecheck Magnolia Federal Credit Union They use Telecheck only and they offer Opportunity checking First Bank They use Telecheck Citizens National Bank They offer a second chance checking called Clean Slate Checking Mississippi Telco Federal Credit Union They use Telecheck Farmers and Merchants Bank They offer a second chance checking account called a Now Checking Western Federal Credit Union They offer a second chance account called Right Start Checking Gulf Coast Community Federal Credit Union They offer a second chance checking called New Chance Checking MUNA Federal Credit Union They offer Fresh Start Checking Hope Community Credit Union They do use chexsystems but you can still get an account once you become a member. They do offer an account called Easy Checking for those reported to chexsystems and those with a credit score of less than 600 $9.95 a month if the balance of 200.00 is not maintained. FREE if balance of 200.00 is maintained Bancorp South They do offer second chance checking Missouri Liberty Bank They offer a second chance account called the Now Account Community Bank and Trust They use proper ID only First National Bank They require drivers license and a social security card only The Seymour Bank They use Telecheck Century Credit Union They use Telecheck only Bank of Kirksville Proper ID only is required Arsenal Credit Union They use Telecheck Focus Bank They offer Fresh Start Checking National Bank of Kansas City They offer Fresh Start Checking Wood and Huston Bank They offer an account called Start Fresh Bank of Kansas City They offer Opportunity Checking Central Bank of the Midwest They offer Fresh Start Checking Columbia Credit Union They offer Fresh Start Checking Electro Savings Credit Union They offer Fresh Start Checking Health Care Family Credit Union They offer Fresh Start Checking Montgomery Bank They offer an account called New Start Checking St. Johns Bank They offer Fresh Start checking Town & Country Bank They offer Opportunity Checking First Missouri Credit Union They use Telecheck St. Louis Community Credit Union They offer second chance checking Cape Regional Credit Union Proper ID only is required Sherwood Community Bank They require ID only South Community Credit Union They use ID and OFAC, nothing else Kansas City Credit Union They use Telecheck and even if you are reported to Telecheck they will still give you an account without a debit card Goetz Credit Union They use Telecheck and even if you are reported to Telecheck you can still open an account with a debit card but no paper checks Concordia Bank They offer second chance checking First State Community Bank They offer second chance checking called New Opportunity Checking Landmark Bank They offer second chance checking called Rebound Checking Central Bank of Kansas City They do not use Chexsystems or any type of report You must have a proper ID United Consumers Credit Union They offer second chance checking First Community Credit Union They use proper ID only Vantage Credit Union They offer Fresh Start Checking Central Communications Credit Union They use a credit report and you must have a score higher than 549. Anyone eligible for a membership can get a savings. Chester National Bank They use a credit report and Telecheck Northland Teachers Credit Union They use a credit report Neighbors Credit Union They use Telecheck and a credit report Holmes Country Bank and Trust They use a credit report Bancorp South They do offer second chance checking The Bank Of Missouri They offer second chance checking Montana Garfield County Bank They use an ID and social security card Native American Bank They use Telecheck Missoula Federal Credit Union They do not do any types of checks but require proper ID Fallon County Federal Credit Union They require ID and a social security card Valley Federal Credit Union They offer Opportunity Checking Big Sky Western Bank They require proper ID only Valley Bank of Helena They require proper ID only Nebraska Fremont First Federal Credit Union They use Telecheck Farmers State Bank They require proper ID only Eagle State Bank They use Telecheck Adams County Bank They use an ID and OFAC only Citizens Bank and Trust They do not use any type of report but require 2 forms of ID Byron State Bank They require ID only Butte State Bank They use a credit report Cass County State Bank They use Telecheck and a credit report First Nebraska Bank They use a credit report and a score of 600 or higher is required Bank of Doniphan They use a credit report Kearney Federal Credit Union They use a credit report Heritage Bank They use an Experian credit report Bruning State Bank They use a credit report Central National Bank They offer second chance checking Nevada Nevada State Bank They offer Fresh Start Checking WestStar Credit Union They offer Fresh Start Checking Idaho Central Credit Union They use a credit report but you MUST work, live, reside, or be paid in Jackpot, Nevada One Nevada Credit Union They offer New Start Checking New Hampshire - NONE KNOWN New Jersey South Jersey Federal Credit Union They require ID only Pennsville National Bank They require ID only United Teletech Financial Federal Credit Union They offer Fresh Start Checking Garden State Federal Credit Union They use ID only IRCO Community Federal Credit Union They use ID only Cape Bank They use 2 forms of ID only Century Savings Bank They use 2 forms of ID only First Atlantic Federal Credit Union They use Crossview which is a product of Experian NewField National Bank They do not use chexsytems but they do use EWS Atlantic Federal Credit Union They offer second chance checking Credit Union of New Jeresey They offer an account called Right Turn Checking Jersey Shore Federal Credit Union They offer Fresh Start checking New Mexico Jamez Valley Credit Union They require proper ID only Bank of Albuquerque They offer Opportunity Checking Lee County State Bank They offer Opportunity checking First American Community Credit Union They offer second chance checking North Carolina Champion Credit Union They use Telecheck F & M Bank They use Telecheck Charlotte Metro Credit Union They offer second chance checking called Fresh Start Checking Carter Bank and Trust They use a credit report Carolinas Telco Federal Credit Union They use a credit report Members Credit Union They use a credit report Bank Of The Ozarks They offer a second chance checking called pathway checking Corporate America Family Federal Credit Union They offer a Fresh Start checking Alliance Federal Credit Union They offer Fresh Start Checking New York Melrose Credit Union Anyone living in New York can get an account here They use Quick Address Pro People's Alliance Federal Credit Union They use proper ID only. Do not mention that you found this credit union at this web site, they may become suspicious that you have had issues at other banks Access Federal Credit Union They require proper ID only Bank of Richmondville They require proper ID only Alternatives Federal Credit Union They offer Fresh Start Checking Compass Credit Union They use proper ID and OFAC Brooklyn Cooperative Federal Credit Union They use proper ID only MTC Federal Credit Union They require proper ID only Westside Community Federal Credit Union They require proper ID only Ticonderoga Federal Credit Union They require a drivers license and a social security card Sidney Federal Credit Union They use proper ID only Mohawk Progressive Federal Credit Union They use ID only Maple City Savings Bank They use proper ID only North East Alliance Federal Credit Union They use proper ID only Neighborhood Trust Federal Credit Union They require proper ID only Van Cortlandt Cooperative Federal Credit Union They require proper ID and a social security card Bethex Federal Credit Union They require proper ID and a social security card Fulton Savings Bank They offer second chance checking Port Washington Federal Credit Union They require proper ID Bank United They use Chexsystems but as long as the report does not indicate fraud and is paid, you can open a savings and checking. For the best results, only one bank should be reported Meridia Community Credit Union They use a credit report and look at the overall credit RT Federal Credit Union They use a credit report Rochester and Monroe County Employees Credit Union For a savings they use nothing but for a checking they use Experian credit report Bank Of The Ozarks They offer a second chance checking called pathway checking Genesee Valley Federal Credit Union They offer Fresh Start Checking UFirst Federal Credit Union They offer Second chance checking Webster Bank They offer second chance checking called Opportunity checking North Dakota Gate City Bank They do not use Chexsystems or any type of report They run drivers license and social security number through Choice Point to verify identity only Dakota Plains Federal Credit Union They use Telecheck Dakota Community Bank They use a credit report. Those that do not qualify may be eligible for a saving and after 6 months of good standing a checking might be possible Town and Country Credit Union They use a credit report and a score of 600 or higher is required Capital Credit Union They use a credit report and a score of 600 or higher is required. They also offer second chance checking Hometown Credit Union They sometimes use a credit report and proper ID Flasher Community Credit Union They use a credit report American Federal Bank They use a credit report and require a score of 680 or higher Western State Bank They use a credit report First Community Credit Union They use an Experian credit report. They do not run anything for a savings Freedom Community Credit Report They use a credit report United Savings Credit Union They use a credit report Ohio First Federal and Savings They use Telecheck First Central National Bank They require proper ID only Equitable Savings and Loan They do not use Chesystems or any credit reporting systems but proper ID is required Sharefax Credit Union Proper ID only is required City National Bank They offer Second Chance Checking called Bounce Back Checking Perpetual Savings Bank They require ID only Main Source Bank They offer Fresh Checking Accounts Liberty Savings Bank They offer second chance checking called Clean Slate Checking Buckeye State Credit Union They do offer second chance checking Sun Federal Credit Union They do offer Fresh Start Checking Covington Savings and Loan Proper ID only is required Nelsonville Home and Savings Bank Proper ID only is required Vacationland Federal Credit Union Proper ID only is required First Federal Bank of Ohio Proper ID only is required Lorain National Bank They offer a second chance account called Basic Checking Universal One Credit Union They offer a second chance account called Find Stability Cardinal Credit Union They do offer second chance checking Superior Federal Credit Union They offer Fresh Start Checking Antwerp Exchange Bank Proper ID only is required Greenville National Bank They use a credit report but sometimes use nothing other than proper ID The Farmers State Bank They use a Transunion Credit report Dayton Fire Fighters Federal Credit Union They use a Transunion Credit report Progressive Bank For a savings account only they use proper ID but for checking they run a credit report Lakeshore Community Credit Union They use a credit report Ohio University Credit Union They use a credit report and require a score of 620 or higher Firelands Federal Credit Union They use a credit report IH Credit Union They use a credit report Corporate America Family Federal Credit Union They offer a Fresh Start checking Farmers and Merchant State Bank They offer clean slate checking GenFed Federal Credit Union They offer Clean Start checking Republic Bank They offer a second chance account called Checking Builder Cheviot Savings Bank They offer an account called Clean Slate Checking Eaton Family Credit Union They offer second chance checking Hopewell Federal Credit Union They offer a second chance checking called Rebound Checking KEMBA Financial Credit Union They offer a Fresh Start Checking Cortland Banks They offer second chance checking Lormet Community Federal Credit Union They offer second chance checking Eaton Family Credit Union They offer second chance checking Columbus Metro Credit Union They offer a second chance account called Metro Merit Checking Miami University and Community Federal Credit Union They offer second chance checking Oklahoma City National Bank and Trust Proper ID only is required First Family Federal Credit Union They use Telecheck Credit Union One of Oklahoma They use Telecheck MTC Federal Credit Union They use proper ID only Landmark Bank They offer second chance checking called Rebound Checking Communication Federal Credit Union They use a credit report Energy One Credit Union They offer a Fresh Start Checking account Allegiance Credit Union They offer a Fresh Start Checking Citizens Bank of Edmond They offer Fresh Start Checking TT Credit Union They offer Fresh Start Checking WEOKIE Credit Union They offer Second chance checking Spirit Bank They offer Second chance Checking Oregon Heritage Grove Federal Credit Union They offer Fresh Start Checking Consolidated Community Credit Union They offer second chance checking Pine Creek Federal Credit Union savings accounts only and they only require a proper ID Prarieland Federal Credit Union They do offer Second Chance checking Oregon Community Credit Union They use a credit report Point West Credit Union They offer Fresh Start Checking Pennsylvania Beaver Valley Federal Credit Union Proper ID is required Metro Bank Proper ID and a social security card is required SRU Federal Credit Union Proper ID only is required North Districts Community Credit Union They require proper ID only Greater Pittsburg Federal Credit Union They use a credit report 1st Summit Bank They use a credit report Cornerstone Federal Credit Union They use a credit report Adams County National Bank They use a credit report First Class Credit Union They use a Transunion credit report Citizens Savings Bank They use a credit report and look at the overall credit USX Federal Credit Union They use a credit report PSE Credit Union They use a credit report Members 1st Federal Credit Union They use a credit report CommonWealth One Federal Credit Union They offer a second chance checking Corporate America Family Federal Credit Union They offer a Fresh Start checking Sun Federal Credit Union They do offer Fresh Start Checking Allegent Community Credit Union They offer Fresh Start Checking Erie Community Credit Union They offer Second Chance checking Meadeville Federal Credit Union They offer Second Chance Checking West Branch Valley Federal Credit Union They offer Second Chance Checking Clarion Federal Credit Union They offer second chance checking LANCO Federal Credit Union They offer second chance checking Puerto Rico Jet Stream Federal Credit Union They offer second chance checking Rhode Island Webster Bank They offer second chance checking called Opportunity checking South Carolina First Reliance Bank They have a second chance checking called Check and Save Founders Federal Credit Union Proper ID only required Blue Harbor Bank They use Telecheck Clinton Federal Credit Union They use Telecheck Georgetown Kraft Credit Union They use Telecheck Carolina Trust Federal Credit Union They offer a second chance account called Encore Checking Upstate Federal Credit Union They do offer Fresh Start Checking Spartan Federal Credit Union They use Telecheck South Carolina Federal Credit Union They use a credit report and Telecheck Greenville Heritage Federal Credit Union They use a credit report SC Telco Federal Credit Union They use a credit report and need to see a score of 500 or higher Yadkin Bank They use an Equifax credit report All South Federal Credit Union They use a credit report Security Federal Bank They use a credit report NBSB They use an Equifax Credit report CPM Federal Credit Union They use an Equifax credit report South Carolina State Credit Union They use an Equifax Credit report Greenville Federal Credit Union They use an Equifax credit report and look at the overall credit Bank Of The Ozarks They offer a second chance checking called pathway checking Vital Federal Credit Union They offer a Fresh Start checking account South Dakota Dakota Plains Federal Credit Union They use Telecheck Dakota State Bank They use Chexcel F&M State Bank Proper ID only is required Northern Hills Federal Credit Union They use a Transunion credit report and require a score of 599 or higher Black Hills Federal Credit Union They use a credit report and require a score of 600 o higher for a checking Sioux Falls Federal Credit Union They use a credit report and require a score of 600 or higher Sentinel Federal Credit Union They use a credit report First Dakota National Bank They use an Equifax Credit report Tennessee Highland Federal Savings and Loan Proper ID only is required FirstBank They use Telecheck United Southeast Federal Credit Union They use Telecheck Hope Community Credit Union They do use chexsystems but you can still get an account once you become a member. They do offer an account called Easy Checking for those reported to chexsystems and those with a credit score of less than 600 $9.95 a month if the balance of 200.00 is not maintained. FREE if balance of 200.00 is maintained Community National Bank They use a credit report Commercial Bank and Trust They use a credit report and require a score of 600 or higher Community Bank and Trust They use a credit report and require a score of 600 or higher. Exceptions can be made with lower scores Appalachian Community Federal Credit Union They offer Fresh Start checking Western Federal Credit Union They offer a second chance account called Right Start Checking First National Bank They use a credit report and require a score of 600 or higher but they also offer an account that allows a lower score and helped to build credit First South Credit Union They use a credit report CBBC They use a credit report and Deluxe Detect which is a product of EWS TVA Credit Union They use a credit report Republic Bank They offer a second chance account called Checking Builder Stanley Credit Union They offer a second chance checking called Renew Checking Home Federal Bank They offer a second chance account called Square One Checking Greater Eastern Credit Union They offer a Fresh Start Checking Select Seven Credit Union They offer Second chance checking Bancorp South They do offer second chance checking Texas Fort Hood National Bank Valid ID only is required Chemcel Federal Credit Union They use Telecheck Texas Bay Area Credit Union They use Telecheck Texas Catholic Community Credit Union They use Telecheck Carmine State Bank They require a drivers license and a social security card Farmers National Bank Proper ID only is required Columbus State Bank They use Telecheck Firstmark Credit Union They use Telecheck and a credit report for identity purposes only (soft pull) United Heritage Credit Union They use Telecheck and a proper ID. They also offer a second chance account Smart Financial Credit Union They use Telecheck Bank Of Texas They offer second chance checking called Opportunity Checking Grand Bank Of Texas They use Telecheck River City Federal Credit Union They use Telecheck United SA Federal Credit Union They offer second chance checking called Do Over checking TruWest Credit Union They offer second chance checking called Opportunity Checking Neighborhood Credit Union They offer Fresh Start Checking Lufkin Federal Credit Union They require proper ID and a social security card East Texas Professional Community Credit Union They use Telecheck Doches Credit Union They use Telecheck North East Texas Credit Union They use Telecheck and offer Fresh Start Checking City Credit Union They use Telecheck Houston Metropolitan Federal Credit Union They use Telecheck and offer second chance checking as well Landmark Bank They offer second chance checking called Rebound Checking Texas Gulf Bank They use Telecheck First State Bank They use telecheck Primeway Federal Credit Union They use Telecheck Shell Federal Credit Union They use Telecheck First National Bank of Lake Jackson They use Telecheck Pantex Federal Credit Union They use a credit report Alliance Federal Credit Union They use an Equifax Credit Report, OFAC and Instacheck Bank Of The Ozarks They offer a second chance checking called pathway checking Corporate America Family Federal Credit Union They offer a Fresh Start checking Energy One Credit Union They offer a Fresh Start Checking account Western Federal Credit Union They offer a second chance account called Right Start Checking Red River Credit Union They offer Fresh Start Checking Allied Federal Credit Union They offer Fresh Start Checking Associated Credit Union Of Texas They offer an account called 180 Checking Chocolate Bayou Credit Union They offer an account called Clean Slate Checking Kelly Community Federal Credit Union They offer second chance checking Las Colinas Federal Credit Union They offer second chance checking Member Source Credit Union They offer second chance checking called Select Checking Members Trust of the Southwest Federal Credit Union They offer second chance checking called Start Up Checking Memorial Credit Union They offer second chance checking Nascoga Federal Credit Union They offer Fresh Start Checking Peoples Bank They offer second chance checking Postel Family Credit Union They offer Fresh Start Checking Premier America Credit Union They offer Fresh Start Checking Prestige Community Credit Union They offer Fresh Start Checking Rio Bank They offer Fresh Start Checking SELECT Federal Credit Union They offer Fresh Start Checking SouthSide Bank They offer a second chance account called Next Checking Tarrant County's Credit Union They offer Fresh Start Checking Texas People Federal Credit Union They offer Opportunity Checking Unity One Credit Union They do offer a second chance account called Clean Start Checking Velocity Credit Union They offer a second chance account called Access Checking Bancorp South They do offer second chance checking First Central Credit Union They offer a second chance account called New Beginnings Checking Harris County Credit Union They offer second chance checking Las Colinas Federal Credit Union They offer second chance checking Star of Texas Credit Union They offer second chance checking Utah Grand County Credit Union Proper ID only is required Mountain West Bank If you apply in person they use ID only if you apply online they will run a chexsystems report Grantsville Federal Credit Union They use an Experian Credit report Box Elder Credit Union They use a credit report and require a score of 620 or higher America First Credit Union They run a credit report Western Federal Credit Union They offer a second chance account called Right Start Checking American United Federal They offer Fresh Start checking Cyprus Credit Union They offer Fresh Start Checking Vermont White River Credit Union Generally they only use valid ID but they might run a credit report Virginia Old Point National Bank They use Telecheck Blue Grass Valley Bank They use proper ID only United Southeast Federal Credit Union They use Telecheck Chesapeake Bank They use Telecheck Main Street Bank They use Telecheck Pioneer Bank They use Telecheck Benchmark Community Credit Union They use proper ID only New Generations Federal Credit Union They offer a second chance checking called Electric Checking Appalachian Community Federal Credit Union They offer Fresh Start checking Western Federal Credit Union They offer a second chance account called Right Start Checking Call Federal Credit Union They run a credit report Bank of Floyd They run a credit report and a score of 590 or higher is required Lee Bank They run a credit report and OFAC Bank of Botetourt They use a credit report University of Virginia Credit Union They use an Equifax credit report Access National Bank They use a credit report and a score of 680 or higher Beacon Credit Union They use an Equifax Credit Union and require a score of 625 or higher Freedom First Credit Union They use a credit report and Telecheck Member One Federal Credit Union They use an Equifax Credit report and offer a second chance account called Smart Choice Checking University of Virginia Credit Union They use a credit report Carter Bank and Trust They use a credit report City National Bank They offer Second Chance Checking called Bounce Back Checking CommonWealth One Federal Credit Union They offer a second chance checking Corporate America Family Federal Credit Union They offer a Fresh Start checking Premier Bank They offer an account called StartFresh Checking First National Bank They offer second chance checking Port Alliance Federal Credit Union They offer a second chance account called Smart Choice Checking Your Community Credit Union They have a Fresh Start account River Trace Federal Credit Union They offer second chance checking Washington Great Northwest Federal Credit Union They use Telecheck American Lake Credit Union They use Telcheck Mountain West Bank They use proper ID only Homestreet Bank They have an account designed for people that do not have a current checking account CFCU They use a credit report and require a score of 600 or higher Peninsula Credit Union They use a credit report WECU They use Telecheck and an Equifax credit report America's Credit Union They use Telecheck, a credit report and proper ID Obee Credit Union They use a credit report Wheatland Bank They use EWS MountainCrest Credit Union They offer Fresh Start Checking Salal Credit Union They offer a second chance checking called Pathway checking that is not advertised on their site West Virginia Hancock County Savings Bank They use Watch Dog CIP City National Bank They do offer a second chance account called Bounce Back First Century Bank They use an Equifax credit report and require a score of 600 or higher Calhoun Banks They use a credit report and need a score of 650 or higher generally Progressive Bank They use a credit report and require a score of 625 or higher but for savings they use nothing FNB Bank They use a credit report Wood County Community Federal Credit Union They use a credit report Community Trust Bank They use EWS Citizens Bank of West Virginia They use a credit report Premier Bank They offer an account called StartFresh Checking Western Federal Credit Union They offer a second chance account called Right Start Checking First National Bank They offer a second chance checking account Clear Mountain Bank They offer an account called Start Fresh West Virginia Federal Credit Union They offer Fresh Start Checking Wisconsin Taylor Credit Union They require ID only Great Lakes Credit Union They offer Fresh Start Checking Covantage Credit Union They use a Transunion Credit Union and requie a score of 650 or higher First Community Bank of Milton They use a Transunion Credit report They use a credit report and require a score of 660 or higher Westconsin Credit Union They run a credit report with Transunion Park City Credit Union They run a credit report RIA Federal Credit Union They use an Equifax Credit report Central City Credit Union They use a Transunion credit report River Valley Bank They use a credit report Marine Credit Union They use a Transunion Credit report Fox Communities Credit Union They use a credit report and look at the overall history Prospera Credit Union They use a credit report and a minimum score of 450 is needed but they do look at the overall history Denmark State Bank They use a Transunion Credit report Two Rivers Community Credit Union They use a credit report but for a savings they use nothing Nicolet National Bank They use a Transunion credit report Brewery Credit Union They offer Fresh Start Checking First National Bank & Trust Company They offer a second chance checking called Renew Checking Schneider Community Credit Union They offer Fresh Start Checking Tomahawk Community Bank They offer Fresh Start Checking Wyoming Unified People's Federal Credit Union They run a credit report Valley Federal Credit Union They offer Opportunity Checking Greater Wyoming Federal Credit Union They offer an account called Fresh Start Checking for the best options go here https://creditboards.com/forums/index.php?showtopic=604673&p=5694015
  4. Alabama Merchants Bank They do not use chexsystems, EWS or a credit report. They use Telecheck. First Southern State Bank They do not use chexsystems, EWS, or Telecheck. Indicated no credit report is pulled. Proper ID is required. Avadian Credit Union They offer a second chance account called E-Checking Family Security Credit Union They do offer second chance checking called Give Me A Break Checking America's First Credit Union They do not use Chexsystems, Telecheck, or EWS A credit score from Equifax of 600 or more is required for a free checking If your score is not 600, they will recommend the E-Z Debit Plus account Alabama Central Credit Union They use a credit report United Bank They offer a second chance account called Gateway Checking Florence Federal Credit Union They use a credit report TVA Community Credit Union Proper ID is required and an Equifax score of 600 or more Community Bank and Trust They offer second chance checking called Second Slice Checking Family Security Credit Union They offer second chance checking called Give Me a Break Checking Central State Bank They use an Equifax credit report. Your credit score needs to be at least 580 to open a checking acct and at least 540 to open a savings Park Community Credit Union They do not use Chexsystems, Telecheck, or EWS They do run a credit report and a score of 575 or higher is required to open a regular checking. If not, they do offer a Fresh Start Checking that can be converted to a regular checking in 12 months. Alamerica Bank They run a credit report and require 2 forms of ID Alabama Credit Union They offer a second chance account called Fit it Checking Ameris Bank They do use Chexsystems but it has been reported that you can possibly open an account if there is no fraud reported and the bank has been paid. MAX Credit Union They do not use Chexsystems or Telecheck They do use Deluxe Detect which is a product of EWS West Alabama Bank They offer fresh Start Checking Listerhill Credit Union They run Telecheck and an Equifax Credit report. Anyone can open a savings Valley State Bank They use an Equifax credit report Union State Bank They use Total ID through Transunion Bank Of The Ozarks They offer a second chance checking called pathway checking Centenniel Bank They offer a second chance checking Western Federal Credit Union They offer a second chance account called Right Start Checking Azalea City Credit Union They offer a second chance account called Opportunity Draft Community Bank and Trust They offer a second chance checking called Second Slice checking First National Bank They use a credit report and require a score of 600 or higher but they also offer an account that allows a lower score and helped to build credit Bancorp South They do offer second chance checking Alaska True North Federal Credit Union - second chance checking. They will run a credit report and Chexsystems. $10 Monthly fee Free Express PC/Home Banking Free Express Teller/Audio Response access Express Deposit/Direct Deposit/ACH Free VISA Check Card on approved credit No dividends paid on this account type Spirit Of Alaska Federal Credit Union Anyone can get a savings regardless of chexsystems You may be able to get a checking if fraud is not indicated on the report and all debt tot he reporting bank has been paid Matanuska Valley Federal Credit Union Fraud can not be reported and the reporting bank must be paid If you were reported for NSF activity and it has been within 1 year they can open a share savings account for you. If you were reported more than 1 year ago for NSF activity they can open a share checking and share savings account for you. MAC Federal Credit Union Fraud can not be reported and the reporting bank must be paid to open a checking Anyone can open a savings regardless of chexsystems Mt. Mckinley Bank If you have been reported to Chexsystems you can open a savings only and no debit card will be issued Arizona Tucson Federal Credit Union They do offer a second chance checking (see web page for details) For a savings only- no Chexsystems or credit report TruWest Credit Union They offer second chance checking. They will run Chexsystems and a credit report. Tucson Old Pueblo Credit Union If you are reported to chexsystems you can still open a Mission Checking Account Conchise Credit Union They use a credit report and proper ID Coconino Federal Credit Union They use Chexsystems but if there is only 1 report, no fraud reported and the reporting bank is paid, they will open the account. Pima Federal Credit Union They offer second chance checking Bank Of Arizona They offer Opportunity Checking for those reported to Chexsystems Altier Credit Union They use an Experian credit report Arizona State Credit Union If you apply online they will run Chexsystems If you apply in person they use Deluxe Detect (EWS) Great Western Bank They use Chexsystems but if you have only 1 report, over 1 year old, and it is paid and not showing any fraud, they will open the account Best to apply over the phone. Western State Bank They use a credit report when opening a checking account. For a savings, they do not run a credit report. SunWest Federal Credit Union They use Chexsystems but with a membership you can open a savings. After 1 year, they will allow you to open a checking. Canyon State Credit Union They offer second chance checking after completing an online course called Check Right Corporate America Family Federal Credit Union They offer a Fresh Start checking First American Community Credit Union They offer second chance checking Arkansas Centenniel Bank They offer a second chance checking Southern Bancorp They do not use Chexsystems, EWS or Telecheck. proper ID and a social security card is required. First Service Bank They do not use Chexsystems, EWS, or Telecheck. No credit report but proper ID is required. Hope Community Credit Union They do use chexsystems but you can still get an account once you become a member. They do offer an account called Easy Checking for those reported to chexsystems and those with a credit score of less than 600 $9.95 a month if the balance of 200.00 is not maintained. FREE if balance of 200.00 is maintained Bank Of Arkansas They offer Opportunity Checking Red River Credit Union They offer Fresh Start Checking River Valley Community Federal Credit Union They offer a second chance checking account Diamond Bank They offer a checking account called Diamond Encore for people who are trying to start over after past mistakes Fairfield Community Credit Union They do offer second chance checking Bank Of The Ozarks They offer a second chance checking called pathway checking Focus Bank They offer Fresh Start Checking Western Federal Credit Union They offer a second chance account called Right Start Checking Bancorp South They do offer second chance checking California Butte Federal Credit Union They do not use Chexsystems but they do monitor accounts closely. Debit card is not issued for 60 days until after the account is opened. Federal Employees West Federal Credit Union They do not use Chexsystems or EWS but they do run Telecheck. California Coast Credit Union They use chexsystems but offers second chance checking Email from credit Union: We do have a Fresh Start Checking account available to those who qualify for membership depending on what has been reported to Chexsystems. For example, we cannot open the Fresh Start Checking if you are reported for "monies owing" the other financial institution. We do have to verify membership eligibility to join the credit union, review your identification, as well as credit report and Chex Systems report to determine if a Fresh Start checking can be opened. Certain types of Chex Systems records and certain credit report information may prevent us from opening these accounts. The Fresh Start Checking does have a $7.50 monthly service charge and can be established with a minimum $25 to open the account. In addition a $5 membership fee is required to join the credit union as well. This product is now available at any of our branch offices. Anyone in CA can get an account here. Membership is open to anyone who lives, works or worships within the counties of San Diego or Riverside. Those outside of the area may qualify by joining the California State PTA. A one time $5 membership fee is required to join, giving you access to all the benefits of membership Heritage Community Credit Union They use chexsystems but they do offer second chance checking. Southland Credit Union They offer Opportunity checking United Health Credit Union They use Chexsystems but they do offer an account called Renew for those reported. Alliance Federal Credit Union They offer Fresh Start Checking Kern Federal Credit Union They offer Fresh Start Checking FootHill Credit Union They have a second chance checking called Rebound checking Los Angeles Federal Credit Union They do offer second chance checking Altura Credit Union They do use Chexsystems but they offer an account for those reported called Renew checking. Alta Vista Credit Union They do use Chexsystems but they offer a second chance checking called Opportunity Checking Opportunity Checking is an account that forgives past checking mistakes and provides a second chance to establish a checking relationship. The monthly service fee is only $20.00. The Opportunity Checking account allows you to have an ATM card with a $65.00 daily withdrawal limit. Southland Credit Union They do use Chexsystems but they offer a second chance account called Opportunity checking. Priority One Credit Union They offer a second chance checking called New Leaf Checking Coast Hills Credit Union They offer SECOND CHANCE CHECKING, a sensible solution for anyone rebuilding their checking history. Maintain your account for six months without any non-sufficient funds activity, and you’ll be automatically converted to a SuperReady Checking account. Federal Employees West Federal Credit Union They use Telecheck. Mid Cities Credit Union They use Chexsystems but they do offer second chance checking Premier Community Credit Union They use Chexsystems but they do offer a Fresh Start checking account. San Mateo Credit Union They use Chexsystems but anyone can get a savings account that is eligible for membership They do offer a second chance checking that must be opened in a branch called New Start Checking FAST Federal Credit Union They offer a second chance account called New Beginnings 1st United Services Credit Union They use an Experian credit report. If your score is lower than 600, they will run Chexsystems Chevron Valley Credit Union Anyone can open a savings with a membership For a checking, they run Chexsystems. For best results, there should be only 1 reporting bank, it needs to be paid and not show any fraud Community Commerce Bank They do not use Chexsystems or any reporting systems but they ONLY offer Savings accounts. They require a valid ID and a social security card Antioch Community Federal Credit Union They use Chexsystems but anyone can get a savings account with a membership They will not approve for a checking Orange County's Credit Union They use Chexsystems but anyone eligible for membership can open a savings For a checking, they would have to review the record. For best results, the reporting bank should be paid and not indicate fruad First Northern Bank They do use Chexsystems You should have no more than three account closures due to account abuse or NSF in the last 12 months, and no fraud alerts. Also, if Chexsystems indicates no more than three or more banks have inquired within the last 90 days, some further processing may be required before they are able to open the account. Safe 1 Credit Union They do not use Chexsystems but they do use Deluxe Detect (EWS) Finance and Thrift Credit Union They require proper ID only but ONLY offer a savings account when eligible for membership California Community Credit Union They do not use Chexsystems but they do run a credit report. If you do not qualify for a regular account, they do offer second chance checking called New Beginnings Checking OneUnited Bank They offer a second chance account called U2 Checking Bank Of The Ozarks They offer a second chance checking called pathway checking Corporate America Family Federal Credit Union They offer a Fresh Start checking Energy One Credit Union They offer a Fresh Start Checking account Western Federal Credit Union They offer a second chance account called Right Start Checking Premier America Credit Union They offer Fresh Start Checking Mendo Lake Credit Union They offer a second chance checking account San Diego Metropolitan Credit Union They offer a second chance account called Rebuilder Colorado Academy Bank This bank does use chexsystems but is very lenient and offers second chance checking for a monthly fee. Liberty Savings Bank They do offer second chance checking called Clean Slate Checking AFBA They do use Chexsystems If the account is opened and the customer is signed up for Direct Deposit, the bank will allow one bank record of less than $200.00 that is at least 6 months old and or 2 retail indicators at least 6 months old. If the account is opened without Direct Deposit, the bank record or retail indicator must be at least 18 months old. The report should not indicate any fraud and the reporting bank should be paid. White Crown Credit Union They do use Chexsystems but if the report does not show fraud and the reporting bank is paid, they will open the account, There should only be one reporting bank for best results. Metrum Community Credit Union They offer second chance checking Equitable Savings and Loan Association I called several locations and they say they do not use chexsystems, telecheck, or EWS. They say they run a True Alert check that only verifies your SS# and address. They said they do not run a credit report unless you apply for a debit card. If you apply for a debit card they said they will run a credit report. Nutmeg State Financial Credit Union They offer second chance checking Colorado State Bank and Trust They offer Opportunity Checking NuVista Federal Credit Union They offer second chance checking Western Federal Credit Union They offer a second chance account called Right Start Checking Liberty Savings Bank They offer a second chance account called Clean Slate Checking Connecticut Webster Bank They do use Chexsystems but they offer Opportunity checking. First New England Federal Credit Union They do use Chexsystems and offer second chance checking Hartford Federal Credit Union They use Chexsystems but offer second chance checking Anyone can get a savings with a membership -no chexsystems Westerly Community Credit Union They offer a second chance checking for a 10.00 monthly fee NorthEast Alliance Federal Credit Union They do not use Chexsystems, Telecheck or EWS They only need 2 forms of ID COREPLUS Federal Credit Union Any eligible member can get a savings account regardless of chexsystems If the chexsystems report shows the reporting bank is paid and no fraud, you might be able to open a checking. Valid ID is required Nutmeg Federal Credit Union They do use chexsystems and a credit report They do offer second chance checking Eastern Savings Bank They offer second chance checking Jewett City Savings Bank They do use Chexsystems but if the account is paid and does not indicate fraud you can open a checking A debit card may not be issued for the first 3 months to be certain the account stays in good standing Rockland Trust They use chexsystems but if the reporting bank is paid and no fraud is indicated they will probably open the account. For best results there should only be one reporting bank Seasons Federal Credit Union They use Chexsystems but anyone that is eligible for membership can open a savings. For a checking they may open an account if no fraud is reported and the debt to the reporting bank is paid. Sikorsky Credit Union They use Chexsystems but anyone eligible for a membership can get a savings account. For a checking account, it would depend on the record. For best results: Only one reporting bank, no debt owed to reporting bank and no fraud indicated Enfield Community Federal Credit Union They use Chexsystems. Anyone eligible for membership can open a savings. For a checking account, it would depend on the record. For best results: Only one reporting bank, no debt owed to reporting bank and no fraud indicated and then they may want the checking to be opened for 6 months before allowing a checking Community Credit Union of New Milford They use Chexsystems but anyone eligible for a membership can open a savings For a checking account, it depends on the severity of the report. For best results: Only one reporting bank, no debt owed to reporting bank and no fraud indicated Corporate America Family Federal Credit Union They offer a Fresh Start checking Delaware WSFS Bank They offer Fresh Start Checking Del-One Credit Union They use Chexsystems but if there is only one reporting bank that is paid and no fraud is indicated, they will open the account. Dexsta Federal Credit Union They use Chexsystems but if there is only one reporting bank and the debt has been cleared for at least 12 months, they will open an account. No fraud can be indicated. District of Columbia Library Of Congress Federal Credit Union They do not run any type of credit reports or check reporting systems when you open a checking or savings account. You must have a valid ID Premier Bank They offer an account called StartFresh Checking CommonWealth One Federal Credit Union They offer a second chance checking Florida People's Alliance Federal Credit Union They do not use any report Eglin Federal Credit Union does not use Chexsystems or run a credit report when you open a checking account 1st National Bank of South Florida They use Chexsystems but they do offer New Opportunity checking for those reported Southern Commerce Bank They do offer second chance checking at the locations “ inside WalMart ONLY” -as long as there are not too many reported on your chexsystems report, they will open the account. -this is a FREE checking Community First Credit Union They do use Chexsystems but they offer Fresh Start Checking Axiom Bank They do use Chexsystems but they offer Opportunity Checking for those reported. Gold Coast Federal Credit Union They offer Fresh Start Checking Vystar Credit Union They use Telecheck Gulf Winds Federal Credit Union They offer an account called My Opportunity checking Space Coast Credit Union They do use chexsystems but they offer New Directions Checking Alabama Credit Union They offer a second chance account called Fit it Checking 1st National Bank of South Florida They offer New Opportunity checking South Florida Federal Credit Union They offer second chance checking United Bank They offer a second chance account called Gateway Checking Center State Bank They offer Fresh Start checking Central Credit Union of Florida They offer Fresh Slate checking San Antonio Citizens Federal Credit Union They offer second chance checking Central Florida Postal Credit Union They offer second chance checking Compass Financial Federal Credit Union They offer an account called Restart Checking One South Bank They offer Opportunity Checking McCoy Federal Credit Union They offer Fresh Start checking First American Bank They offer Fresh Start checking Gold Coast Federal Credit Union They offer Fresh Start Checking Jet Stream Federal Credit Union They offer second chance checking Members First Credit Union They offer second chance checking. If you are reported to EWS, they will NOT approve you for the second chance account Offer extended to members in ChexSystems due to Non-Sufficient Funds (NSF) activity only. Member's account must have been paid for at least 90 days before Second Chance Checking will be approved First Florida Credit Union They use chexsystems but offer second chance checking called Smart Track Checking Union State Bank They do not use Chexsystems, Telecheck or EWS First Florida Credit Union They offer second chance checking called Smart Track Checking Liberty Savings Bank They do offer second chance checking called Clean Slate Checking Suncoast Schools Federal Credit Union They use a product called “Deposit Shield” provided by Equifax Campus USA Credit Union They use an Equifax credit report Florida Credit Union They use Telecheck and an Equifax credit report First Choice Credit Union They run a credit report and require proper ID 1st Credit Union of Gainesville They use Telecheck, an Equifax credit report and OFAC Army Aviation Center Federal Credit Union They use Chexsystems but anyone that is eligible for membership can get a savings account. if the chexsystems report is 2 years old or older, and the reporting bank is paid and showing no fraud, you can possibly open a checking First Coast Community Bank They use an Equifax credit report and a score of 500 or more is required JAX Federal Credit Union They use an Equifax credit report and require a score of 540 or higher They offer second chance checking Calhoun Liberty Employees Credit Union They do not use Chexsystems They use Telecheck and a credit report University Credit Union They use Telecheck and a credit report Coral Community Federal Credit Union They use Chexsystems and an Equifax Credit report Anyone eligible for membership can get a savings. If your report has no fraud and the reporting bank is paid, you can get a checking. CFE Federal Credit Union They use Equifax Decision Power Country Federal Credit Union They use a credit report Ameris Bank They use Chexsystems but as long as the report is paid and only one bank is reported you can get an account. Fraud and account abuse can not be indicated Union State Bank They use Total ID through Transunion Bank United They use Chexsystems but as long as the report does not indicate fraud and is paid, you can open a savings and checking. For the best results, only one bank should be reported Bank Of The Ozarks They offer a second chance checking called pathway checking Centenniel Bank They offer a second chance checking OneUnited Bank They offer a second chance account called U2 Checking Republic Bank They offer a second chance account called Checking Builder Priority Credit Union They offer a second chance checking account McCoy Federal Credit Union They offer Fresh Start Checking Georgia Peach State Federal Credit Union They do offer Fresh Start Checking Members United Credit Union They use Telecheck and they also offer second chance checking Rochelle State Bank They only use proper ID Atlantic Coast Bank They do offer Fresh Start Checking The Heritage Bank You must open the account in person. They do not use Chexsystems, Telecheck, EWS or any type of credit report. They do require proper ID DOCO Credit Union Anyone who is eligible for membership can open a savings They use Chexsystems for a checking but they offer Fresh Start Checking Georgia United Credit Union They offer an account called Restart checking Georgia's Own Credit Union They offer an account called Resolution checking Peach State Federal Credit Union They offer Fresh Start Checking Workmen's Circle Credit Union They use an ID only but they only offer savings accounts not checking Associated Credit Union Anyone in Georgia can get a membership by choosing (general public) on the application for membership. Anyone can get a savings account with the membership They use Telecheck and Equifax for a checking account. They do not use Chexsystems but they are picky about credit. Exchange Bank They only use a credit report and it has been reported that they are picky about credit. Anyone can get a savings regardless of credit Altamaha Bank They only use a credit report and a score of 600 or higher is required Bank of Eastman They only use a credit report and they are picky about credit. CB&T of Middle Georgia They use a credit report. They look at your Pinnacle score and your history with other creditors. The whole report is taken into consideration... not just the score First State Bank and Trust They use an Equifax credit report only. Sea Island Bank They use an Equifax credit report only The Coastal Bank of Georgia They use an Equifax credit report only CB&T They use an Equifax credit report only Commercial Bank They use Equifax credit report only and 2 valid IDs First Community Bank of Tifton They use Equifax Credit report only Community Bank and Trust They offer a second chance checking called Second Slice checking Geovista Credit Union They use Telecheck and a credit report. They do not use the credit report to determine if the account can be opened. North Georgia Credit Union They use Chexsystems but anyone who is eligible for membership can get a savings account For a checking they might open the account depending on the report. For the best results, there should be only one reporting bank, no debt owed and no fraud indicated FMCU They use an Equifax credit report and they look at the overall report The Wright Credit Union They use an Equifax credit report and look at the overall report Chatham Federal Credit Union Anyone that is eligible for membership can open a savings but for a checking they run an Equifax Credit report and you must have excellent credit Bond Community Federal Credit Union Anyone eligible for membership can open a savings account. For a checking, they use chexsystems.. if the debt to the reporting bank is paid and no fraud is indicated you can open a checking after 6 months of your savings account being in good standing SB&T They only use a credit report and a score of 500 or higher is required Flint Community Bank They use an Equifax credit report and look over the overall credit and a score of about 600 is preferred. South Georgia Banking Company They use a credit report and require a score of 620 or higher. They also require a drivers license and a social security card Bank Of The Ozarks They offer a second chance checking called pathway checking Corporate America Family Federal Credit Union They offer a Fresh Start checking Energy One Credit Union They offer a Fresh Start Checking account Hawaii CU Hawaii Federal Credit Union They use Telecheck Hawaii Community They use Unicheck Kauai Federal Credit Union They use Telecheck Hawaiian Tel Federal Credit Union Any eligible members can open a savings account For a checking they use Chexsystems and Unicheck Homestreet Bank They use chexsystems but they will sometimes approve depending on the severity of the report Idaho Capital Educators Federal Credit Union They do not use Chexsystems, Telecheck, or EWS They generally do not run a credit report but they may at times Latah Federal Credit Union They require proper ID and run an OFAC report to verify identity Mountain West Bank You must apply in person and not online. If you apply online they will run chexsystems. Proper ID is required in person. Pioneer Federal Credit Union They run a credit report. Normally it is 500 or greater score for both a savings and checking. If it is less than 500 with no collections or only medical or utility collections they may open a savings depending on what is being reported Pine Tree Credit Union For a savings nothing is required but for a checking with a debit card they will run a credit report Capital Educators Federal Credit Union They may run a credit report but not always Horizon Credit Union They run a credit report Idaho Central Credit Union They run a credit report Cottonwood Community Federal Credit Union They run an Equifax credit report Scenic Falls Federal Credit Union They offer Second chance checking Illinois Elkville State Bank Has no web page...small bank. It has been reported that do not use chexsystems. (618) 568-1541 USECU They use Telecheck Central and Federal Savings and Loan Association They use Telecheck Vantage Credit Union They use Telecheck and a credit score of 499 or higher MidWest America Federal Credit Union They use Telecheck Chester National Bank They use Telecheck Generations Federal Credit Union They do not use Chexsystems, Telecheck, EWS or a Credit report They do require 2 forms of ID (usually a drivers license and a social security card) Main Source Bank They offer Fresh Start checking Marquette Bank They offer an account called Restart Checking Prarieland Federal Credit Union They offer Second Chance checking First American Bank They offer Fresh Start Checking Great Lakes Credit Union They offer Fresh Start Checking Glenview State Bank They run a Transunion Credit report and score of 650-700 is required R.I.A. Federal Credit Union They run a credit report. Advantage One Credit Union Anyone can get a savings account with the membership but for a checking they run a credit report Archer Heights Credit Union They run a credit report South Central Bank They run a credit report and require a score of 620 or higher Neighbors Credit Union They use Telecheck and a credit report Corporate America Family Federal Credit Union They offer a Fresh Start checking GenFed Federal Credit Union They offer Clean Start checking Stanley Credit Union They offer a second chance checking called Renew Checking Catholic & Community Credit Union They offer an account called Rebound checking First National Bank and Trust They offer an account called Renew Checking Indiana MidWest America Federal Credit Union They use Telecheck Kentland Bank They do not use Chexsystems, Telecheck, EWS, or a Credit report They do require 2 forms of ID Mutual Bank They use Chexsystems and a credit report but the score does not matter They offer second chance checking Your Community Bank They use Chexsystems but offer a New Opportunity checking United Fidelity Bank They offer a second chance checking account called New Day Heritage Federal Credit Union They offer second chance checking Main Source Bank They Offer Fresh Start checking Members Source Credit union They use the OFAC only They do not use Chexsystems,Telecheck, EWS or a credit report Central Credit Union They offer second chance checking Horizon Bank They offer Fresh Start Checking InTerra Credit Union They offer Opportunity checking One Vision Federal Credit Union They offer a second chance account called Rising Star Checking Diamond Valley Federal Credit Union They do offer Fresh Start Checking Evansville Teachers Federal Credit Union They offer a second chance checking ET Opportunity Checking AAA Federal Credit Union They offer a Fresh Start Checking account Park Community Credit Union They do not use Chexsystems, Telecheck, or EWS They do run a credit report and a score of 575 or higher is required to open a regular checking. If not, they do offer a Fresh Start Checking that can be converted to a regular checking in 12 months. Community Wide Federal Credit Union They use an Equifax credit report First Trust Credit Union They use a Transunion Credit report Farmers and Merchant State Bank They offer clean slate checking AAA Credit Union They use a credit report and a score of 550 or higher is required. If you do not qualify they do offer a Fresh Start account. Republic Bank They offer a second chance account called Checking Builder GenFed Federal Credit Union They offer Clean Start checking Stanley Credit Union They offer a second chance checking called Renew Checking Western Federal Credit Union They offer a second chance account called Right Start Checking Iowa Keystone Savings Bank They use Telecheck Exchange State Bank They do not use Chexsystems, Telecheck, Ews, or a Credit report White State Bank They do not use Chexsystems, Telecheck, EWS, or a Credit report You must have proper ID and a Social Security Card Hartwick State Bank They do not have a web site They do not use Chexsystems, Telecheck, EWS, or a Credit Report 207 Main St Hartwick, IA Phone: 319-525-2221 West Chester Savings Bank They do not use Chexsystems, Telecheck, Ews, or a credit report Must have 2 forms of ID Marine Credit Union They do not use Chexsystems but they do runa Transunion credit report and look at your overall credit. If you do not qualify, they have a program called Get in Balance R.I.A. Federal Credit Union For a checking or savings account, they run a credit report. Farmers State Bank They use an Equifax credit report and require a score of 600 or higher Peoples Trust and Savings Bank They use a credit report MBT They use an Equifax credit report State Bank They use a credit report and require a score of 675 or higher Iowa Falls State Bank They require proper ID and run a credit report Dewitt Bank and Trust They run a credit report Farmers Trust and Bank They run a Transunion credit report North Star Community Credit Union They use a credit report Midland Credit Union They use a credit report Community Bank They require proper ID,social security card and they also run a credit report Farmers Savings Bank and Trust They require proper ID and run a credit report Iowa State Bank and Trust They run a credit report Guaranty Bank They run an Equifax credit report Clarke County State Bank They run a credit report and look at the overall credit for collections and judgements Home State Bank For a savings account, they run nothing but for a checking they run a credit report and require a score of 625 or higher Cedar Falls Community Credit Union They run a credit report Frontier Savings Bank They run a credit report Ackley State Bank They run a credit report Farmers and Merchants Savings Bank They run a credit report Farmers and Merchants Savings Bank of Iowa They run a credit report First Trust and Savings Bank They run a credit report Corridor State Bank They run a credit report Hills Bank and Trust Company They run a credit report and require a score of 580 or higher. Sometimes they will open a savings only for a while then allow a checking later Collins Credit Union They offer an account called take 2 Checking Federation Bank They run a credit report and offer a Fresh Start account River Community Credit Union They run a credit report for a checking but it is not required for a savings Greater Iowa Credit Union They offer second chance checking Kansas Citizens State Bank They do not use Chexsystems but they require a drivers license and social security card BankWest Of Kansas They do not use Chexsystems or any type of credit report but they do require 2 forms of ID State Bank of Delphos They do not use Chexsytems, Telecheck, EWS, or a credit report you must present a proper ID Community Bank and Trust They only use 2 forms of ID KC Fairfax Federal Credit Union They use Telecheck First Federal Savings and Loan They do not use Chexsystems, Telecheck, EWS, or a credit report Bank Of Kansas City They do offer second chance checking called Opportunity Checking United Consumers Credit Union They offer second chance checking Central Kansas Credit Union They run a credit report with TransUnion and use OFAC Corporate America Family Federal Credit Union They offer a Fresh Start checking Central National Bank They offer second chance checking National Bank of Kansas City They offer Fresh Start Checking Kentucky MainSource Bank They offer Fresh Start Checking Park Community Credit Union They do offer Fresh Start Checking MidWest America Federal Credit Union They use Telecheck Forcht Bank They do not use Chexsystems, Telecheck,EWS, or a Credit Report You must have 2 forms of ID Fort Knox Federal Credit Union They do offer second chance checking First Southern National Bank They only require 2 forms of ID, nothing else is used Citizens Bank and Trust of Jackson They use Telecheck City National Bank They offer a second chance account called Bounce Back Your Community Bank They offer a second chance checking account called New Opportunity First Federal Savings Bank They do offer a Fresh Start account Appalachian Community Federal Credit Union They offer Fresh Start checking Central Credit Union They offer second chance checking CPlant Federal Credit Union They offer second chance checking The Cecilian Bank They offer Choice Opportunity Checking First United Bank and Trust They offer Fresh Start Checking FNB They offer second chance checking Home Federal Bank They offer a second chance account called Square One Checking Central Bank They do offer a Clean Start checking First & People's Bank and Trust Company They run a credit report and generally use Transunion Bank of Clarkson They use a Transunion credit report and look at the overall credit and not the score First State Bank They use a Transunion credit report and look at the overall credit Wilson and Muir Bank and Trust They use a credit report Community Trust Bank They use Early Warning Systems but they do not use Chexsystems Republic Bank They offer a second chance account called Checking Builder Western Federal Credit Union They offer a second chance account called Right Start Checking Citizens Union Bank - They offer second chance checking Citizens Guaranty Bank They offer second chance checking called Clean Slate Checking Louisiana La Capitol Federal Credit Union They use Telecheck Peoples State Bank They use Telecheck Neighbors Federal Credit Union They use Telecheck New Orleans Firemen's Federal Credit Union They use Telecheck Bank Of Montgomery They use Telecheck Home Bank They use Telecheck Bank of St. Francisville They use Telecheck Bank Of Zachary They use Telecheck State Bank and Trust Company They use Telecheck Carter Federal Credit Union They use Telecheck Community Bank Of Louisiana They use proper ID only Crescent Bank They use Telecheck only Fidelity Bank They use Telecheck only WESLA Federal Credit Union They use Telecheck only Bancorp South They do offer second chance checking Banks M-W are on Part 3 https://creditboards.com/forums/index.php?showtopic=604676&p=5694048 and the best options for those reported to chexsystems .. go here..https://creditboards.com/forums/index.php?showtopic=604673&p=5694015
  5. Over the years I have helped with removal from Chexsystems, Telecheck, and EWS. I am no longer able to do this because my time will not allow. I do not recommend paying companies for removal. There is no guarantee for removal. It is your right to dispute any report, even those that are accurate. I do however continue to research for non-chexsystems banks and keep my lists as current as possible. I do NOT suggest that you pay any company online for help with finding a bank. The same information that they will provide you can be found here for FREE. Many times the information they will provide you is not as accurate or as good. Very important facts to remember: 1. Applying for lots of accounts that deny you can cause a fraud alert too your account and then you might be denied an account that you would have been approved for otherwise. Be sure to do your research before applying for an account to make sure you are applying for the one that is best for you in your individual circumstances. To get a free copy of your report go to www.chexsystems.com 2.If you apply for a Credit Union listed on my lists, be certain that you meed the membership eligibility requirements first. All Credit Unions require that you become a member before you can apply for a checking. Opening an account with a ChexSystems report When you apply to open a checking or savings account,most financial institutions will run your name in the ChexSystems database to see if you have a report. Some financial institutions may deny everyone who has a ChexSystems report, while others may only deny people with certain types of activity. ChexSystems itself does not approve or deny applications - it merely provides reports to financial institutions. If you are denied an account due to having a ChexSystems report, that does not necessarily mean that there are no options available to you. As far as finding a bank that does not use Chexsystems, the options vary from state to state. While some states have many that do not, other states have only a few. But regardless of where you live, there are options to help everyone. Many times paying off the reporting bank can cause you to be reported for a longer period of time than you would have been if you had not paid the debt owed. This is why I sometimes suggest NOT to pay the debt owed to the reporting bank(s) especially on accounts that are older ones. Certain actions can restart the debt statute of limitations on a dormant account. This includes: acknowledging that you owe the debt making a payment entering a payment plan making an agreement to pay making a charge on the account If the clock on the statute of limitations restarts, it starts back at zero. This gives the creditor or collector more time to use the court to force you to pay the debt. What is Chexsystems? Chexsystems is a credit reporting agency where banks and credit unions report negative activity from checking and savings accounts. Types of activity that may be reported to ChexSystems include: Having your account closed involuntarily by the financial institution. Bouncing checks. Financial institutions will typically only report people who fail to pay the non-sufficient fund fees and/or bounce checks habitually, not those that do it once by mistake but some banks do Overdrawing your account. Being in the red a day or two before depositing funds will not generally get you reported to ChexSystems, but if you fail to add money after a reasonable period of time or you repeatedly overdraw, the chances are good that you will be reported.Some banks report every NSF Committing an act of fraud, such as altering checks or providing false information about your identity. Applying for a checking account, ordering checks, or reporting a check or debit card lost or stolen. Most of the time, these activities are perfectly legitimate and will not be held against you, but they can be a sign of fraudulent activity, which is why financial institutions may report them to ChexSystems. Some check ordering companies will report every check order.. it is important that once you open an account that you keep your information private and only order checks from a safe company Information can stay on your ChexSystems report for five years. If you owe an outstanding debt, paying it does not get it removed from your report early (unless the financial institution voluntarily deletes it), Although your report will show that it was paid. if money was owed to the reporting bank(s) there is a chance that this will also be turned over to a collection agency and may show up on your credit reports as well. Positive information is generally not reported to ChexSystems. If you have never had any incidents of mismanagement, you probably do not have a ChexSystems report. Many have objected to ChexSystems reporting practices. -They state the system does not report fairly, and unlike credit bureaus which have both positive and negative information on your credit report; -Chexsystems only contains negative information. This jeopardizes your reputation as a consumer, when you would otherwise be qualified to open checking accounts. Many people believe if they pay any debt owed to a reporting bank, that they will then be removed from chexsystems but this is not true. Below are the best options for those reported to chexsystems! I call this list the best due to the fact it has worked for most people. If you live in an area where the following accounts are available to you, they would be my first suggestion for you to try. If not then I would then suggest you check out the Nationwide list or the listings by states (also below) REMEMBER: A SECOND CHANCE ACCOUNT MAY NOT ALWAYS APPROVE YOU.. MANY TIMES IT WILL DEPEND ON THE SEVERITY OR THE REPORT, IF FRAUD IS INDICATED OR NOT AND SOMETIMES A CREDIT REPORT AND OR SCORE. If you find a bank or credit union listed below that you feel should be removed from the list or know of one that can be ADDED to the list, feel free to email me personally at chexvictims.net@gmail.com Thanks and good Luck, MCA WoodForest Bank Locations in the states of Alabama, Florida, Georgia, Illinois, Indiana, Indiana, Kentucky, Louisiana, Maryland, Mississippi, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Texas, Virginia, and West Virginia You must apply in person and they are very friendly to those reported to Chexsystems and Telecheck. They do not run EWS. No one is turned down for a second chance account at WoodForest. They also offer a second chance business account. 2nd Chance account is $7.95 if you have direct deposit $9.95 if you do not. $25.00 one time debit card processing fee There is a 15.00 monthly fee FOR A BUSINESS ACCOUNT 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. All deposits are available immediately ALSO! Phone and Online banking are immediate overnight and they're open 7 days! Renasant Bank Locations in the states of: Mississippi, Alabama, Tennessee, and Georgia You MUST apply online .. they will approve those reported to Chexsystems, Telecheck or EWS for personal and business accounts as long as there is no money owed to Renasant Bank. This has been a GREAT bank to those that live locally to them in the states listed above. Some have reported that they have went to a branch and opened an account even though they live out of state but close enough. 1st Convenience Bank Locations in the states of: New Mexico, Texas, and Arizona They do not run Chexsystems, Telecheck, or EWS. This bank has been a favorite of those local to it. No one is turned down. Bank With United Locations in the states of: Maryland, Ohio, Pennsylvania, Virginia, West Virginia, and Washington D.C. I have called many many locations in several different states and they are indicating to me that they do NOT use chexsystems and they do not run a credit report at all. I was not buying it at first so I kept calling more and more locations and I finally talked to a manager that told me how they were using chexsystems in the past but they no longer do. All you need is: -2 IDs -SS card -something that reflect a current address if ID is not correct U.S. Bank Most US banks “in store” branches are giving accounts to most people on chexsystems. These are regular accounts, not 2nd chance checking...as long as you do NOT owe US Bank money and you are not reported on your chexsystems report for any kind of fraudulent activity. There are some branches that are still not using this policy so it might be a good idea to call a branch local to you and ask about their policy first before going in. This account is especially popular for people who live in California where options are so limited. TCF Bank 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 Compass Bank Second chance checking account called Easy Checking. $25 minimum opening deposit required There is a monthly Service Charge of $13.95 Do not apply for this account if you have a report on EWS PNC With the “Foundation Checking” account, you have to pay $7 per month and an extra $2 per month if you want paper statements. If you stick with their new account for six months without overdrawing or misbehaving. I hope the above information helps. These are the best options if they are available to you. Below are the lists by states. Remember, a second chance account does not always mean you can for sure get an account. Sometimes they will look at the severity of the report, if fraud is indicated and sometimes they will also run a credit and look at your report and or score. Nationwide Banks -regardless of where you live The following banks are considered Nationwide Banks because those that have been reported to Chexsystems, Early Warning Services, or Telecheck can still get an account at these banks regardless of where you live. GoBank - anyone can get an account regardless of where you live or chexsystems. People's Cash Solutions Have you ever been denied a checking or savings account due to bad credit or past problems with ChexSystems and TeleCheck? The Peoples Cash Solutions Second Chance Checking Account is the answer for you! Peoples Cash Solutions and Peoples Bank will open a real FDIC insured Second Chance Checking Account for you even if you have bad credit or have been reported to ChexSystems or TeleCheck in the past (except where fraudulent activity has been reported). A Second Chance Checking Account erases the inconvenience of not having a checking account and/or being forced to use fee-intensive alternatives. Anyone can get an account regardless of where you live. Washington Savings Bank -anyone can get an account here regardless of where you live. Direct Deposit from payroll or government benefit is required for this account. NO overdraft fees! NO harsh CheckSystems® requirements! (Less stringent requirements) NO ATM fees, free nationwide ATM access through the Allpoint® 55,000 ATMs Network! NO minimum balance! NO deposit fees! NO withdrawal fees! Deposit Money through direct deposit, mobile check deposit or mail! FREE Mastercard® debit card! Even order a Designer debit card! FREE direct deposit! FREE online banking & bill pay with online budget tools! FREE mobile banking! FREE mobile deposit! (only available with direct deposit and after 3 months, see FAQs tab) FREE estatements! (required for this account) FREE Popmoney® service that allows person to person payments! FREE customer support via email One low flat monthly fee of only $9.95 with direct deposit of government benefit or payroll. Direct Deposit is required. Unlimited debit card cash rewards paid monthly to help you offset or eliminate your monthly fee! Free email support and 1st month real time support. Real-time support (branch or call center) plan available for an additional $4.95 per month. Discount order of starter checks (if desired) go to Banks A-L https://creditboards.com/forums/index.php?showtopic=604675&p=5694047 go to Banks M-W https://creditboards.com/forums/index.php?showtopic=604676&p=5694048
  6. Nevada is a very difficult state if you are reported to Chexsystems. I am in the process of trying to find more options there and will be updating the list as I find new ones IF I do.
  7. Depending on where you live, there are many options for those reported to chexsystems. Some banks do not use chexsystems at all and others are lenient.
  8. I would never trust Suntrust after some of the issues that I have heard over the years. They are well known for closing accounts at a later date
  9. Okay my list of banks and credit unions are now posted here https://creditboards.com/forums/index.php?showtopic=604673&p=5694015
  10. Is Union Bank new? Please let us know if you apply and how it goes. Union Bank is a medium-large bank headquartered in Los Angeles, that is owned by a Japanese bank. I'm unsure if there's much special about them aside from getting more personalized service because they're smaller than the big guys. They are in the process of handling their own issued credit cards. Currently First Bankcard is their credit card issuer but that will change in about a month. They use Chexsystems right?
  11. NASA Federal Credit Union is great if he is eligible for membership but please let us know how it goes. Last I heard, NASA does run chexsystems but that may not be correct.
  12. Is Union Bank new? Please let us know if you apply and how it goes.
  13. I love Gobank because it is an option for many but I hate the fees. There are many other options out there that do not have fees for most
  14. Did they close the account?

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines