If you’ve been denied a checking account because of past banking problems, you’re not alone. Many people run into this issue after overdrafts, unpaid fees, or account closures appear on their record.
Even if traditional banks have turned you down, there are still ways to rebuild your banking history and open a new account with the right institution.
How ChexSystems Can Limit Access to Banking
ChexSystems is a consumer reporting agency that tracks certain banking activity, such as overdrafts, unpaid fees, and closed accounts. Negative information can stay on your ChexSystems report for up to five years, which may make it harder to open new accounts.
Since around 80% of banks and credit unions use ChexSystems, a negative record can reduce your chances of approval with many financial institutions.
Associated Bank’s ChexSystems Policy Explained
Associated Bank does use ChexSystems when reviewing new account applications. If your ChexSystems report includes negative information such as overdrafts or unpaid fees, it could impact your ability to open a checking or savings account.
In addition, Associated Bank does not offer a second chance checking account, which means applicants with a negative banking record may have difficulty opening an account.
What to Do If You’ve Been Denied for a Checking Account
Being declined for a new account can feel frustrating, but you’re not out of options. Some banks and credit unions skip ChexSystems entirely or offer accounts built specifically for people who want to rebuild their financial standing.
These accounts often include features like debit cards, direct deposit, and mobile access—making it easier to handle everyday banking while improving your financial reputation.
Banks That Don’t Use ChexSystems
If you’re unable to open an account with Associated Bank, there are several excellent alternatives that welcome customers with past banking issues.
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.
