If you’ve been turned down for a checking account, you’re not alone. Many banks use ChexSystems to review your banking record before deciding whether to approve your application.
ChexSystems tracks your banking activity, including unpaid fees, overdrafts, and account closures. These records can stay active for up to five years, which can make it difficult to open new accounts during that time.
How ChexSystems Can Limit Your Banking Options
About 80% of banks and credit unions in the United States use ChexSystems when screening applicants. If your record shows negative marks, it can result in denied applications or limited access to financial services.
Still, some institutions take a more flexible approach. A few skip ChexSystems altogether, while others offer second chance accounts that help people rebuild their banking record and access essential financial tools again.
NBKC Bank’s Policy on ChexSystems
NBKC Bank uses ChexSystems as part of its account review process. If your ChexSystems record includes unpaid fees, overdrafts, or closed accounts, your application could be denied.
While that can feel discouraging, you still have options. Many banks and credit unions don’t rely on ChexSystems, giving you the chance to open an account and move forward with confidence.
Alternatives to NBKC Bank That Don’t Use ChexSystems
If NBKC Bank isn’t a fit, here are several banks that make account approval easier and don’t rely on ChexSystems records:
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.
