Free List of Non ChexSystems Banks
About 85% of all banks in the US use ChexSystems to verify new bank accounts. The following is a list of banks that do not use ChexSystems. If you would like to suggest a bank that is not listed here, please use the comment form below.
| Bank | Location | Website |
|---|---|---|
| Access National Bank | Virginia | www.accessnationalbank.com |
| Apple Creek Banking Company | Ohio | N/A |
| Armed Forces Bank (military) | Alabama, Arizona, California, Colorado, Florida, Georgia, Illinois, Kansas, Kentucky, Missouri, Nevada, New Jersey, North Dakota, Texas, Virginia, Washington, Wyoming | www.afbank.com |
| Bank Caroline | South Carolina | www.bankcaroline.com |
| Bank of Gueydan | Louisiana | N/A |
| Bank of Nashville | Tennessee | www.bankofnashville.com |
| Bank of Pensacola | Florida | www.bankofpensacola.com |
| Best Bank | Georgia, Illinois, Michigan, Minnesota, Wisconsin | www.bestbank.com |
| Capital City Bank | Alabama, Florida, Georgia | www.ccbg.com |
| Centrue Bank | Illinois | www.centrue.com |
| Boone County National Bank | Missouri | www.boonebank.com |
| Chester National Bank | Illinois, Missouri | www.chesternationalbank.com |
| Citizens State Bank | Michigan | www.mycommunitybank.com |
| City National Bank & Trust | Oklahoma | www.cnbok.com |
| Community Bank & Trust | Oklahoma | www.banktulsa.com |
| Elizabethton Federal Savings Bank | Tennessee | www.elizfed.com |
| Elk Horn Bank & Trust | Arkansas | www.ehbt.com |
| Equitable Savings and Loan | Colorado | www.equitable-savings.com |
| Everbank | Online - Nationwide | www.everbank.com |
| First Convenience Bank | Texas | www.1stcb.com |
| First Internet Bank of Indiana | Indiana | www.firstib.com |
| First State Bank | Michigan | www.thefsb.com |
| First State Bank | Kansas | www.fsbkcks.com |
| First State Bank of Mendota | Illinois | www.fsbmendota.com |
| First United Bank | Colorado | www.1stunitedbank.com |
| Fort Sill National Bank (military) | California, Delaware, North Carolina, Oklahoma, South Carolina, Tennessee, Texas | www.fsnb.com |
| Fremont National Bank & Trust | Nebraska | www.fremontnational.com |
| Glenview State Bank | Illinois | www.gsb.com |
| Greenville National Bank | Ohio | www.greenvillenationalbank.com |
| ING Direct | Online - Nationwide | www.ingdirect.com |
| Kevil Bank | Kentucky | N/A |
| Keystone Savings Bank | Iowa | www.keystonesavings.com |
| Keywest Bank | Florida | www.keywest-bank.com |
| Marketplace Bank | Florida | N/A |
| Merchants Bank | Alabama | www.merchantsbk.com |
| Old Florida Bank | Florida | www.oldflbank.com |
| Omega Bank | Pennsylvania | www.omegafinancial.com |
| Peoples Trust & Savings Bank | Iowa | www.ptsbank.com |
| Prosperity Bank | Florida | www.prosperitybank.com |
| Regions Bank | Alabama, Arkansas, Florida, Georgia, Iowa, Illinois, Indiana, Kentucky, Louisiana, Missouri, Mississippi, North Carolina, South Carolina, Tennessee, Texas, Virginia | www.regions.com |
| Renasant Bank | Alabama, Mississippi, Tennessee | www.renasantbank.com |
| Savings Institute | Connecticut | www.savingsinstitute.com |
| Security Bank of Southwest Missouri | Missouri | N/A |
| Suntrust Bank | Alabama, Arkansas, District of Columbia, Florida, Georgia, Maryland, Mississippi, North Carolina, South Carolina, Tennessee, Virginia, West Virginia | www.suntrust.com |
| TCF Bank | Arizona, Colorado, Illinois, Indiana, Michigan, Minnesota, Wisconsin | www.tcfexpress.com |
| Teche Federal Bank | Louisiana | www.teche.com |
| The Farmers State Bank | Ohio | www.thefarmersstatebank.com |
| Univest | Pennsylvania | www.univest.net |
| USAA (military) | Arizona, California, Colorado, Florida, Nevada, Texas, Virginia | www.usaa.com |
| Valley State Bank | Kansas | www.valleystatebank.com |
| Wayne County Bank | Tennessee | www.waynecountybank.com |
(7 votes, 3.86 / 5)
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BBT does use Chex Systems, you may need to update this listing.
Steph,
Thanks for the heads up. I checked with other sources, and I think you may be right. I’ve removed BB&T from the list.
First Citizens Bank was removed from the list because they are using ChexSystems.
Amcore Bank was removed from the list because they are using ChexSystems.
Woodforest reports to chexsystems.
woodforest has 2nd chance checking for 9.95 mo or with direct deposit 7.95
Could someone suggest a bank on this lists which enables
business accounts with checking priveleges
Trustco uses chexsystems. Take off the list
US Bank does use Chexsystems.
USBank In-Store branches can only see back 3 years on your chex report.
USBank only checks your chexsystems to see what services they can offer you.
Most all in Chex are given immediate accounts except for Fraud entries or if you owe USBank.
In-Store branches are the most lenient – (per my USBank Manager).
I currently owe Us bank. If I pay it off will I be able to open another account?
Suntrust uses Chexsystems, as wells as a credit verification.
suntrust does not use chexsystem, i applied online and had no problems. my husband and i are both on chexsystem
no they didn’t use cheksystems but they used something else that had me listed from my previous bank from 2 yrs ago
Suntrust does not use chexsystems, I got an account with them after being denied from ALL banks around me, my account has been open for about 5 months now…i applied online.
I guess the key here is to apply online.
All of your messages were great. I was able to use Suntrust.
Ally uses Chexsystems. Please take them off the list. Thank you.
Regions Bank, may not use Chexststems but they do have other ways of finding out
They do report to it because they are on my report. I called them just now and was told if I come in and pay my debit they will open me a new account with checks and a debit card.
Citizens Bank Uses Chex Systems.
First state bank of Michigan says ‘they do not use chex systems” but they do use credit reports to verify that you don’t owe their bank. I am going to try it out today and I will post any updates.
Best Bank does not use chexsystems and they offer a large variety of services.
Are their any banks in California, besides the military ones on the list that do not use check systems?
Regions do not use check systems, but they will require you to pay them if it is them that you owe. Another one that do not use check systems is Bank of America.
I am quite certain that Bank of America uses ChexSystems, but not sure about Regions.
Regions gave me a account and i have 6 banks on my chexsystem report
Oh Bank of America definitely uses ChexSystems. Not only do they deny accounts based on that but they love to report you to them as well, especially when the item in question is fraudulent and you are fighting the charges.
Bank of America does use chexsystems however, if you apply online most everyone gets approved. I’m on chexsystems & Bank of America opened both a Checking & Savings account for me in May of 2009. I haven’t had any problems with them and it’s been almost a year since the accounts were opened.
BANK OF AMERICA USES CHECKSYSTEMS THEY ARE THE ONES THAT PUT ME ON THAT LIST
I know this from experience, but I have recently switched to Wachovia aka/Wells Fargo and I have been with them since June 2009 and was in check systems at the time. The strange thing is that I applied on line, they called me the next business day for verification and I went to the branch to make my deposits. I was have been with Bank of America and they were great, but I did not like the convenience of not being able to actually go into a branch which is something to consider when opening accounts that are online only. Plus, although I could use any ATM to get funds, I was charged by that branch, but not by Bank of America because there are not branches within a 100 miles of here. I would rather be able to go inside a branch to speak with a representative if I had a problems. But that’s still okay if you need a checking and cannot get one the traditional way.
Palmetto Bank in SC give me a account and i am on chexsystems
I just checked with Palmetto Bank, and the customer rep did confirm that they use ChexSystems to verify new accounts.
Here’s what she said: “Thank you for your email request. We do utilize Chex Systems before opening deposit accounts. If you are interested in completing a request for a checking account we offer several options.”
I’m guessing they open accounts on a case-by-case basis.
Carolina first uses telecheck wich is a credit check
just to let everyone know firstfederal of NC is useing teletrek and need to be removed from list.
the reason i know that I’m moving from Phoenix Az called to set up account and they said they are useing teletrek / check systems
You might want to try using HSBC, they are from New York, but I opened an online savings account, an then opened a checking account over the phone…… Both times I was approved. Im not sure however if it was because I had a credit card with them tho. It’s worth a shot!
I just got a account with SunTrust and i am in ChexSystem. I am so relieved!!!!
THANKS your comments were true and they helped me just got an account with bank of america.
Thanks SO much! Just opened a savings AND checking account with Suntrust online!!I’m on chexsystems and have filed bankruptcy I didn’t think I’d ever be able to get back on track again!!
I would like to open a checking account in Atlanta GA anywhere near zip code 30317
I was put on check systems by error and I find it hard to remove it. I am 67 retired and receive social security each month on a Mastercard.
I would like to make automatic payments from my income into a new checking account.
Can you help me?
Yours very truly,
Victor
Regions gave me a account and i have 6 banks on my chexsystem report they have 7 branchs in atlanta Ga My direct deposit go in my account so, i got it right there on a visa card when i need it. The staff is very friendly i am gald i found Regions bank.
Yes! I have a new account! Regions uses Equifax to verify for accounts not chexsystems. Thanks to everyone for their info. Reading here saved me a lot of time and trouble.
Sun Trust Bank worked for me!!! Thanks
SunTrust also came through for me…. I applied online.
I have one bank on Chex… so I’m hoping they don’t shut me down later! Thanks for the info!
Hey, I just applied with Suntrust and was approved with no problem.
univest in Pennsylvania uses chexsystems. just applied for checking account and got denied.
Successfully opened an account with Regions. Process was very easy.
How long did it take for you to recieve your check card from Regions??, I just opened my account today and im on chex 6 times by the way…
Thanks for all your comments. Just opened an account with regions. So relieved.
REGIONS IS AWESOME.. Just opened a new account with NO PROBLEMS!
.
Thank you so much!!! Just opened an account with Regions bank! I had been searching all day for a bank to open a checking account for me after being in the chexsystem for 2-3 banks. I am soooooooooo glad I found this site!! I love it!!! & I LOVEEEEE REGIONS BANK!!!!
THANKS AGAIN EVERYONE!!!
If you are looking to open a business checking acct. fifth third bank will not run chex systems on business checking only!!!! If you apply for a personal checking or savings they will run it through chex systems. The process is very easy the minimum initial deposit is only $100 and after that there is no minimum and its absolutely free. Go to http://www.53.com. They wont tell you about the business checking in regards to chex systems but I have done it for 3 different businesses online and walking in the branch
Hi Cody,
What are the requirments to open a business account? I live in CA and have been denied by Chase, Wells Fargo, US Bank in store location. I owed $300 to Wells Fargo and $700 to BofA which has left a bad mark. I never knew this could happen and do not know what to do.
The only requirements are to be registered with the state whether it be a ficticious name, incorporated or whatever. When you open the account they will ask to see whats called an ss-4 form from the IRS. If you dont have one you can contact them and they will fax it over to you the same day free of charge. I dont have the number to call but if you go to http://www.irs.gov, they should be the info you need to contact them by phone to get that form.
If you dont have a tax id, you can get one for free on that website which is also free, after they give you the tax id they will also give you the ss-4 page that you need at the end of the process. Make sure you print it out because they wont give you another one unless like i said you call them up and have them mail you one or fax it. I know this might sound a little complicated, but its really not that hard, or at least in Florida where I’m at.
You can always call fifth 3rd bank and they will tell you exactly what you need as well. What type of business are you in? Are you incorporated with the state? Let me know if i can help you out in any other way because if they wont do it in California you can always register in Florida…..just an idea….let me know if that works out for you and if you have any questions.
Cody Hanick
Readersrenewalcorp@gmail.com
I have fraud reported on my chexsystems report and need to open a business checking account for a new business I have started. I live in California and most banks require you to be in the same state as the back. US bank and Union bank will not help due the the “fraud”. Has anyone had any luck in California when they had fraud on their account? Also, this needs to be a business checking and not a personal. Thank you.
I LIVE IS MASSACHUSETTS AND GOT TURNED DOWN BY ALMOST EVERY BANK….PLEASE HELP….
If you have any chexsytems issues I would highly recommend to open an account with TCF. Very nice staff and they answer all of your questions. If you are not close to a branch I would suggest to call there toll free number that’s on there website.
Good Luck
are there any banks in south jersey thats dont use check systems
I see that People Bank of Texas AKA Peoples Cash Solutions opens a new account for chex systems people and no credit check.
They do not open an account if you have a fraud report on chexsystems
I have two banks on my chexsystems report.
Plus bad credit and suntrust just gave me
checking and savings accts. at a branch. Thank
you very much for this site!
hi i just got an account with suntrust bank! thank you.
I had an identity theft and someone obtained unauthorized access to my JP Morgan Chase account. Chase then froze the account and then closed it without providing an explanation. When I received the chexsystems report, it said “suspected fraud activity”. I am currently requesting chexsystems to investigate the Chase report which chexsystems has started. I also reported Chase to OCC, the federal body that oversees NA banks. If you get invalid and/or problematic reports from a bank, and you don’t owe any money, start fighting it. Big Banks do whatever they want to. I too got denied applications because of the “suspected fraud activity” statement. I do not own any money and still don’t know who got my personal information. Law enforcement has been notified.
Armed Forces Bank does not use chexsystems and you do not have to be in the military to join them.
Wow!!! Just got approved for a checking account with Regions…I am so happy. I have been without an account for 4 yrs. Thanks to this site, I finally have what I need. Regions is great. Thanks
Bank of America will open accounts for you if you are chexsystem but they must be open online. Their standard policy is to order approval the application and it may take a few days but will approve it. They will contact you to verify your information then, the account will open.