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.
First Community Credit Union
If you’re considering opening a FCCU checking account, you probably want to know, “does First Community Credit Union use ChexSystems?”
The answer is, no, they don’t.
However, it’s worth noting that First Community isn’t the only option available to you. Several other banks and credit unions also choose not to use ChexSystems. Here are three excellent alternatives to consider:
Best Banks That Don’t Use ChexSystems
U.S. Bank
- Up to $450 bonus
- $25 minimum opening deposit
- Monthly service fee can be waived
- No ATM transaction fees at U.S. Bank ATMs and no surcharge fees at MoneyPass® Network ATMs
SoFi
- Up to $300 sign-up bonus with direct deposit
- No minimum opening deposit
- Earn up to 4.60% 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
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.
Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.