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I hope this helps Part 3


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1 reply to this topic

#1 mca

mca

    Lead - Chexsystems Help Forum

  • Members
  • 1,824 posts

Posted 08 November 2017 - 05:56 PM

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

 
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...04673&p=5694015


Edited by mca, 08 November 2017 - 06:27 PM.




#2 tmcgill

tmcgill
  • Members
  • 3,166 posts

Posted 09 November 2017 - 05:15 PM

Very helpful. Thanks for the post.

 

Note:  Important to note that some of these financial institutions now use Early Warning Services (EWS) as well.  Also, I suggest calling to verify what they use before applying. In the event they have changed or modified their approval process, this may prevent an unnecessary and additional Chexsystems inquiry.


Edited by tmcgill, 09 November 2017 - 05:17 PM.





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