If you’ve been denied a checking account because of past banking problems, you’re not the only one. Overdrafts, unpaid fees, or closed accounts can make it harder to open new accounts at many banks.
Even so, you still have options. Some financial institutions are more flexible and can help you rebuild your banking record without the roadblocks of traditional screening.
Why ChexSystems Can Make Opening an Account Difficult
ChexSystems is a consumer reporting agency that tracks certain banking activities such as overdrafts, unpaid fees, and account closures. Negative information can stay on your ChexSystems report for up to five years, which often affects your ability to open new accounts.
Because around 80% of banks and credit unions use ChexSystems to review applications, one negative record can make approval challenging.
Ameris Bank’s ChexSystems Policy Explained
Ameris Bank does use ChexSystems when evaluating new account applications. If your ChexSystems report contains negative entries such as unpaid fees or overdrafts, it could reduce your chances of being approved for a checking or savings account.
In addition, Ameris Bank does not offer a second chance checking account, which means customers with a negative banking record may have difficulty opening an account.
How to Move Forward After Being Denied
If ChexSystems is standing in your way, don’t give up. Some financial institutions skip ChexSystems completely or offer accounts designed to help you rebuild your financial profile.
These options usually provide standard features such as direct deposit, debit cards, and online banking, making it easier to manage money while improving your financial history.
Recommended Banks That Don’t Use ChexSystems
If Ameris Bank isn’t the right fit, here are some trusted banks that make it easier to open an account and get back on track financially.
SoFi
- Up to $300 sign-up bonus with direct deposit
- No minimum opening deposit
- Earn up to 3.80% 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
Chime
- Up to 3.75% APY on a high-yield savings account
- Over 47,000+ fee-free ATMs
- Up to $200 fee-free overdraft coverage
- Get paid up to 2 days early with direct deposit
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.
