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I hope this helps Part 2

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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

Guardian Credit Union

They offer Fresh Start Checking

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

Edited by mca

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