Does Mountain America Credit Union Use ChexSystems?

Have you been blacklisted by ChexSystems?

If so, you’re probably wondering how you can open a checking or savings account.

Have you been blacklisted by ChexSystems? If so, you’re probably wondering how you can open a checking or savings account.

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.

Mountain America Credit Union

If you’re considering opening a MACU checking account, you probably want to know, “does Mountain America Credit Union use ChexSystems?”

Unfortunately, the answer is, yes, they do.

However, you still have options. There are numerous banks and credit unions that don’t use ChexSystems. Here are three great options to choose from:

Best Banks That Don’t Use ChexSystems

Chase

Chase
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  • $100 bonus after 10 purchases in 60 days
  • No credit check or ChexSystems
  • Over 16,000+ fee-free ATMs
  • $4.95 monthly service fee

Chase is one of the most popular banks in the U.S. And now, they offer a checking account called Chase Secure Banking with no credit check, no ChexSystems, and no overdraft fees.

Account holders also get access to over 16,000 fee-free ATMs, free online bill pay, and free money orders and cashier’s checks.

With 4,700 locations across the country, this is an excellent option for anyone who prefers having access to physical branches.

Opening a Chase Secure Banking account comes with a $100 cash bonus when you use the card for 10 purchases within 60 days.

Account approval is immediate and you’ll receive your debit card within days. There is a small monthly service fee of $4.95. However, there is no minimum opening deposit to get started.

US Bank

US Bank
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  • $600 sign-up bonus
  • $25 minimum opening deposit
  • Monthly service fee can be waived
  • Over 40,000 fee-free ATMs

US Bank is now offering the Bank Smartly™ Checking account, a popular choice that can be applied for online in 26 states throughout the U.S.

If you’re based in any of the following states – AR, AZ, CA, CO, IA, ID, IL, IN, KS, KY, MN, MO, MT, NC, ND, NE, NM, NV, OH, OR, SD, TN, UT, WA, WI, or WY – you’re eligible to apply.

By opening a Bank Smartly™ Checking account before April 11, 2023, and completing qualifying activities, you have the potential to earn up to $600.

The account itself provides a variety of benefits, including a complimentary debit card that can be locked or unlocked if ever misplaced or stolen. US Bank ATMs offer fee-free transactions, as do over 40,000 MoneyPass Network ATMs.

Although US Bank uses ChexSystems, it’s typically known to be more accommodating with its regulations than many other banks. Unless there’s a history of fraud or any money owed to US Bank, opening a checking account is a possibility.

The checking account requires just a $25 minimum opening deposit, with a monthly service fee of $6.95. The monthly fee can be waived by maintaining a minimum balance of $1,500, or by having a minimum monthly direct deposit of $1,000.

Chime

Chime
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  • No credit check or ChexSystems
  • No minimum opening deposit or monthly service fee
  • No overdraft fees
  • Over 60,000+ fee-free1 ATMs
  • Get paid up to 2 days early with direct deposit2
  • Available in all 50 states

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 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-free1 ATMs. Plus, you can get your paycheck up to 2 days earlier with direct deposit2. Chime is one of the best second chance banking options available.

Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.

1. Out-of-network ATM withdrawal fees may apply with Chime except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

2. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. Chime generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

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