If you’ve struggled to open a checking account because of past banking problems, you’re not the only one. Overdrafts, unpaid fees, or closed accounts can make it harder to qualify for new banking services.
Even so, there are credit unions and online banks that offer simple, flexible options to help you rebuild and manage your finances confidently.
Why ChexSystems Can Affect Account Approvals
ChexSystems is a consumer reporting agency that tracks certain banking behaviors, including overdrafts, unpaid fees, and closed accounts. Negative records can stay on your ChexSystems report for up to five years, often making it harder to open new accounts.
Since about 80% of banks and credit unions rely on ChexSystems, a record in the system can be a major roadblock when you’re trying to reestablish your financial standing.
Delta Community Credit Union’s ChexSystems Policy Explained
Delta Community Credit Union does not use ChexSystems when reviewing account applications. That means if your banking record includes negative marks or previous account closures, it won’t automatically prevent you from being approved.
This makes DCCU an appealing choice for people who want a second chance at reliable, everyday banking without unnecessary screening barriers.
Other Banks That Don’t Use ChexSystems
Delta Community Credit Union is a strong choice, but there are several other financial institutions that also make it easy to open an account without relying on ChexSystems.
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.
