Getting approved for a checking account shouldn’t feel impossible. If you’ve had banking issues in the past, you’ve likely seen how ChexSystems can make things harder—but it doesn’t have to stop you.
ChexSystems tracks negative banking activity such as overdrafts, unpaid fees, and closed accounts. These records can stay active for up to five years, which often limits your ability to open new accounts during that time.
How ChexSystems Can Affect Account Approvals
Most banks and credit unions—about 80% across the U.S.—use ChexSystems to evaluate new customers. A negative record can lead to denials or limited account access.
Even so, some institutions take a more flexible approach. A few skip ChexSystems entirely, while others offer second chance checking accounts that help you rebuild your financial record and restore access to everyday banking.
Axiom Bank’s Policy on ChexSystems
Axiom Bank does not use ChexSystems when reviewing checking account applications. That means even if your record includes past issues, you can still qualify for an account.
The bank offers several account types, giving you options whether you’re looking for a simple checking account or one with more features. It’s a strong choice for anyone ready to start fresh and manage money confidently again.
Other Banks That Don’t Use ChexSystems
If you want to compare other non-ChexSystems options, here are a few banks and credit unions known for accessible account approvals:
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.
