Does Chase Use ChexSystems?

Have you been blacklisted by ChexSystems? If so, you’re probably wondering how you can open a checking or savings account.

Having an account in ChexSystems can remain there for 3 to 5 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. Plus, there are also some “second chance” banks that offer options to people who can’t get approved for an account elsewhere.


The reason you’re probably here is because you want to know, “does Chase use ChexSystems?” Unfortunately, the answer is, yes, they do.

However, as we mentioned, you still have options. There are numerous banks and credit unions that don’t use ChexSystems. Below is a list of what we believe are the top 3 options. You will also find a list of other resources including more options and a guide on how you can get out of ChexSystems.

Top 3 Banks That Don’t Use ChexSystems

BBVA Online Checking

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BBVA (formerly BBVA Compass) offers an online checking account with no ChexSystems review, but they do use Early Warning Services (EWS). This account is available in all states except Alaska and Hawaii.

There is no monthly service charge which makes it easy to manage your money on the go. You can access your account for free through a computer or smartphone, with paper statements available for just $3 per month.

You’ll automatically be enrolled in paper billing, so be sure to deactivate that feature if you want to avoid the charges — and the extra clutter.

With this account you get to access their ATMs for free. You also get free access to the AllPoint ATM network, which includes more than 64,000 ATMs throughout the country.

What else do they offer?

  • FREE Visa® debit card with personalized photo
  • NO ChexSystems
  • NO monthly service charge
  • FREE online banking and mobile banking/deposits
  • FREE mobile and online bill pay
  • FREE customizable alerts via text message
  • FREE statements – online and paper
  • Opening balance minimum just $25
  • Unlimited check writing
  • Access to the Wallet app for your smartphone
  • 24/7 customer support
  • Member FDIC


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With Chime, a bad credit score is no longer a deal-breaker. They offer an award-winning mobile bank account and debit card with no credit check.

There are no hidden bank fees. And by that, we mean, no overdraft fees, monthly maintenance charges, foreign transaction fees, or minimum balance fees – ever.

They offer over 38,000 surcharge fee-free ATMs. Plus, you can get your paycheck up to 2 days earlier with direct deposit. Chime is definitely one of the best second chance banking options on this list.

Acorns Spend Checking Account

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The Acorns Spend Checking Account is the best of both worlds. It’s a flexible online checking account, and it also provides Acorns’ core investing functionality.

When you sign up for the account, you’ll receive an Acorns Visa debit card. And every time you swipe your card, Acorns rounds your transaction up to the nearest dollar. These funds are then invested in one of the preselected ETF funds you chose.

Plus, Acorns Spend comes with a number of other helpful features. There are no ATM fees, and Acorns will reimburse you monthly for any third-party fees you accrue. And there are no overdraft fees or minimum balance requirements.

There is a $3 monthly fee for the Acorns Spend Checking Account, but the unlimited ATM reimbursements will more than compensate for this. Here is an overview of the account’s features:

  • Unlimited ATM reimbursement
  • No overdraft fees
  • No minimum balance required
  • FDIC-insured up to $250,000
  • Comes with mobile banking
  • Automated bill pay
  • Mobile check deposit
  • Direct deposit

Looking for more options? Check out the full list here.

See also: 5 Credit Unions That Don’t Use ChexSystems

How to Get Out of ChexSystems in 4 Simple Steps