If you’ve been denied a checking account because of past banking problems, you’re not alone. Overdrafts, unpaid fees, or closed accounts can stay on your record and make it harder to open new accounts.
Some financial institutions take a more flexible approach, offering options that help people rebuild their banking history and access essential financial services again.
How ChexSystems Can Affect Your Banking Options
ChexSystems is a consumer reporting agency that tracks certain banking activity, such as overdrafts, unpaid fees, and account closures. Negative records can remain on your ChexSystems report for up to five years, which can make it difficult to open new accounts.
Because about 80% of banks and credit unions in the United States use ChexSystems, even a single negative mark can make it harder to qualify for a standard checking account.
Atlantic Union Bank’s ChexSystems Policy Explained
Atlantic Union Bank does use ChexSystems when reviewing new account applications. If your ChexSystems report includes negative information, such as overdrafts or unpaid fees, it could affect your approval chances for a checking or savings account.
In addition, Atlantic Union 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 keeping you from opening an account at Atlantic Union Bank, there are other paths to consider. Many financial institutions skip ChexSystems completely or provide special accounts to help people rebuild their financial profile.
These accounts usually include standard features such as debit cards, direct deposit, and mobile banking, allowing you to handle everyday finances while improving your record over time.
Banks That Don’t Use ChexSystems
If you’ve had trouble opening an account at Atlantic Union Bank, here are some trusted alternatives that make it easier to get started.
SoFi
- Up to $300 sign-up bonus with direct deposit
- No minimum opening deposit
- Earn up to 3.60% 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
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.
