If you’ve been denied a checking account because of past banking problems, you’re not alone. Many people face this challenge after overdrafts, unpaid fees, or account closures appear on their record.
Even if traditional banks have turned you down, GO2bank may offer a way to start fresh and get back on track with your finances.
How ChexSystems Can Affect Account Approval
ChexSystems is a consumer reporting agency that monitors specific banking activity such as overdrafts, unpaid fees, and closed accounts. Records can stay on your ChexSystems report for up to five years and may affect your ability to open new accounts.
Since roughly 80% of U.S. banks and credit unions rely on ChexSystems, a negative record can create challenges when applying for new financial products.
GO2bank’s ChexSystems Policy Explained
GO2bank does not use ChexSystems when reviewing new account applications. That means even if your ChexSystems report includes negative information, it won’t automatically disqualify you.
This makes GO2bank a practical option for anyone rebuilding their financial history or trying to recover from past banking issues.
Why GO2bank Is a Strong Option for a Fresh Start
By skipping ChexSystems, GO2bank gives more people access to essential banking tools like direct deposit, debit cards, and early pay features. Its accounts are designed for convenience, with no hidden fees and an easy-to-use mobile app that fits everyday money management.
For anyone rebuilding their financial standing, GO2bank provides a reliable way to restore access to modern banking without added barriers.
Best Banks That Don’t Use ChexSystems
If you’re exploring banks that skip ChexSystems, GO2bank is a strong pick—but it’s not your only one. These options also make it simple to open a checking account and manage your money with ease.
SoFi
- Up to $300 sign-up bonus with direct deposit
- No minimum opening deposit
- Earn up to 3.80% 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.
