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Important Facts

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 Chexsystems
  • 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.



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Restarting the clock

  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.
  • If you have already been reported for 5 years, the report should be removed. If it has not then you need to request this in writing a certified letter. 
  • Telecheck is a little better than ChexSystems in that they will remove your name once the debt to the reporting bank is paid. if not, they report 7 years. 
  • Early Warning Services also reports 7 years regardless of the debt being paid or not. 

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Everyone wants to make sure their money is safe!

 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 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. Always check back because I am updating my lists and information here all the time! 

WoodForest Bank

1st Convenience Bank

WoodForest Bank

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 You must apply in person but no one is turned down for a second chance account at WoodForest.  They also offer second chance business accounts.  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 

Renasant Bank

1st Convenience Bank

WoodForest Bank

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 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.  Locations in the states of: Mississippi, Alabama, Tennessee, and Georgia 

1st Convenience Bank

1st Convenience Bank

1st Convenience Bank

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 They do not run Chexsystems, Telecheck, or EWS. 1st Convenience Bank has been a favorite of those local to it. No one is turned down.  Locations in the states of: New Mexico, Texas, and Arizona  

Bank With United

Bank With United

1st Convenience Bank

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I have called many many locations of United Bank 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

 Locations in the states of: Maryland, Ohio, Pennsylvania, Virginia, West Virginia, and Washington D.C. 

US Bank

Bank With United

TCF Bank

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Most US Bank “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

Bank With United

TCF Bank

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 I actually called the 1800 number and they told me that as long as you don't owe TCF Bank 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 

Radius Bank

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Personal and Business accounts

Over the years the one thing that I am probably asked the most is where can those reported to ChexSystems get a business account. Radius Bank is an online bank the same as Chime Bank and Varo but they have one thing that Chime and Varo doesn't have which is business accounts. If you are looking for a fast solution and are in need of a business checking, this might be the option for you. Radius Bank was named Best Online Bank of 2020, thanks to their mobile banking app, unlimited ATM fee rebates, and high interest rates!

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Navy Federal Credit Union

 Membership goes beyond current and retired members of the armed forces to include their families and household members but includes Department of Defense personnel and more. If you qualify for membership, they do not use ChexSystems or EWS. This remains the best account for anyone that qualifies for membership!

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