Have you been turned down for a checking account due to a negative banking history? If so, it’s essential to understand your options and discover the alternative banking options available to you.
An account in ChexSystems can remain active for up to five years. And unfortunately, about 80% of all banks and credit unions in the U.S. use ChexSystems.
However, there are some banks that don’t use ChexSystems. Additionally, some banks offer “second chance” accounts for people who have been denied elsewhere.
Ally Bank
If you’re considering opening an Ally Bank checking account, you probably want to know, “does Ally Bank use ChexSystems?”
Unfortunately, the answer is, yes, they do.
However, you still have options. There are numerous banks and credit unions that don’t use ChexSystems. Here are three excellent options to consider:
Best Banks That Don’t Use ChexSystems
U.S. Bank
- Up to $450 bonus
- $25 minimum opening deposit
- Monthly service fee can be waived
- No ATM transaction fees at U.S. Bank ATMs and no surcharge fees at MoneyPass® Network ATMs
SoFi
- Up to $300 sign-up bonus with direct deposit
- No minimum opening deposit
- Earn up to 4.60% APY
- Over 55,000 fee-free ATMs
- Early pay with direct deposit
Current
- Build credit and earn points with every swipe
- No minimum opening deposit or maintenance fees
- Get paid up to 2 days faster
- No credit check or ChexSystems
Learn More
- Banks That Don’t Use ChexSystems – Take the first step to rebuilding your banking history with our list of banks that do not use ChexSystems for account approval.
- Credit Unions That Don’t Use ChexSystems – Find a credit union that will work with you, not against you. Learn about the credit unions that don’t use ChexSystems.
- Am I in ChexSystems? – Unsure if you’re in ChexSystems? Learn how to find out and take control of your financial status.
- How to Get Out of ChexSystems – Learn how to get out of ChexSystems in four simple steps.
- Second Chance Checking Accounts – Take control of your financial future with our list of over 250 banks that offer second chance checking accounts.
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