Being denied for a checking account can be frustrating, especially if you’re trying to reestablish your financial footing. Fortunately, some banks are more flexible with approval and give customers a fair chance to start again.
Huntington Bank is a well-established regional bank known for its strong customer service and accessible account options. It offers several features designed to make banking simple and straightforward, even for those working to improve their financial standing.
How ChexSystems Affects Banking Access
ChexSystems is a consumer reporting agency that tracks certain banking activity, including overdrafts, unpaid fees, and closed accounts. These records can remain active for up to five years, and about 80% of banks and credit unions in the United States use this system to screen applicants.
A negative record can make it harder to open a new account, limiting access to everyday services like debit cards, direct deposit, and online bill pay. However, not every financial institution uses ChexSystems, which creates opportunities for those seeking a second chance.
Huntington Bank’s Policy on ChexSystems
Huntington Bank does not use ChexSystems when reviewing new checking account applications. This makes it a great choice for anyone with a negative banking record or past issues at another financial institution. With Huntington Bank, your previous history won’t stand in the way of opening an account and rebuilding your financial confidence.
Other Banks That Don’t Use ChexSystems
While Huntington Bank is an excellent choice, several other banks also skip ChexSystems and make it easier to open an account. These institutions focus on accessibility, simple approval, and modern digital banking features.
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.
