Does Chase Use ChexSystems?

Updated

Have you been blacklisted by ChexSystems?

If so, you’re probably wondering how you can open a checking or savings account.

Have you been turned down for a checking account due to a negative banking history? If so, it’s important to understand your options and explore alternative banking solutions available to you.

An account in ChexSystems can remain active for up to five 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. Additionally, some banks offer “second chance” accounts for people who have been denied elsewhere.

Chase

If you’re considering opening a Chase checking account, you probably want to know, “does Chase use ChexSystems?”

The answer is, for most accounts, yes they do. However, for a Chase Secure Banking account, they do not.

However, it’s worth noting that Chase isn’t the only option out there. A number of other banks and credit unions also choose not to use ChexSystems. Here are a couple other excellent options to consider:

Best Banks That Don’t Use ChexSystems

U.S. Bank

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  • Up to $800 bonus
  • $25 minimum opening deposit
  • Monthly service fee can be waived
  • Over 40,000 fee-free ATMs

U.S. Bank is currently welcoming new applicants in 26 U.S. states with a special online offering:

  • Earn up to $800 when you open a new U.S. Bank Smartly® Checking account and a Standard Savings account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through March 12, 2024. Member FDIC.
  • Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.

The account includes a free debit card that can be locked or unlocked if ever misplaced or stolen. There are no ATM transaction fees at U.S. Bank ATMs and no surcharge fees at over 40,000 MoneyPass® Network ATMs.

The checking account requires a $25 opening deposit and a $6.95 monthly fee. This fee can be waived for those 24 and under, 65 and over, or military members (must self-disclose).

Additionally, the fee can be waived with monthly deposits of $1,000+, an average balance of $1,500+, or holding an eligible U.S. Bank credit card. Qualifying for any Smart Rewards® tier (Primary, Plus, Premium, or Pinnacle) also waives the fee. Member FDIC.

Chime

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  • No credit check or ChexSystems
  • No minimum opening deposit or monthly service fee
  • No overdraft fees
  • Over 60,000+ fee-free1 ATMs
  • Get paid up to 2 days early with direct deposit2
  • Available in all 50 states

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 fees. And by that, we mean no overdraft fees, no monthly maintenance charges, no foreign transaction fees, and no minimum balance fees—ever.

They offer over 60,000 surcharge fee-free1 ATMs. Plus, you can get your paycheck up to 2 days earlier with direct deposit2. Chime is one of the best second chance banking options available.

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