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, some “second chance” banks offer options to people who can’t get approved for an account elsewhere.
The reason you’re probably here is that you want to know, “does Commerce Bank 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.
Best Banks That Don’t Use ChexSystems
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, no monthly maintenance charges, no foreign transaction fees, and no minimum balance fees – ever.
They offer over 60,000 surcharge fee-free ATMs. Plus, you can get your paycheck up to 2 days earlier with direct deposit. Chime is one of the best second chance banking options available.
Sable claims to be the “The world’s fastest, most premium path to financial freedom.”
You can open a bank account and get a debit card and secured credit card in 5 minutes. That is pretty fast.
With a Sable account, there are no fees, no credit checks, and no minimum deposit required. On top of that, you can get an unsecured credit card in about 4 months. That’s 3x faster than what traditional banks offer.
And the Sable credit card offers 2% cashback on your favorite brands.
Another unique feature is that you don’t need a social security number or U.S. credit history. Plus, you can send money to 55+ countries and get multilingual customer support.
Current is one of the fastest-growing mobile banking solutions in the U.S., with over one million members. However, Current is a financial technology company, not a bank. Most importantly, Current does not use ChexSystems or pull your credit report.
Some features of the Current mobile banking account include fee-free overdraft protection of up to $100, 40,000 fee-free Allpoint ATMs, and no minimum balance or hidden fees.
You can get paid up to two days early with direct deposit. And you earn up to 15x points and cashback when you use your Visa debit card at participating merchants.
Looking for more options? Check out the complete list here.