If you’ve had trouble opening a checking account because of past banking problems, you’re not alone. ChexSystems tracks banking activity like overdrafts, unpaid fees, and closed accounts, and those records can stay on file for up to five years.
This can make it harder to open new accounts at many traditional banks. Since around 80% of banks and credit unions in the U.S. use ChexSystems, it often becomes a barrier for people trying to rebuild their financial footing.
TCF Bank’s ChexSystems Policy
TCF Bank does not use ChexSystems when reviewing checking account applications. That means your ChexSystems report won’t affect your ability to open an account, even if it includes negative information.
This makes TCF Bank a solid choice for anyone with previous banking issues. It provides an accessible path for customers who want to manage their money without being held back by past financial mistakes.
Why TCF Bank Is Worth Considering
TCF Bank’s policy gives people a fresh start by removing one of the biggest obstacles to opening a checking account. Whether you’ve dealt with unpaid fees or an account closure in the past, you still have a chance to open an account and move forward.
In addition to its flexible approval process, TCF Bank offers convenient online and mobile banking options. It’s a practical choice if you’re looking for everyday banking access without unnecessary restrictions.
Other Banks That Don’t Use ChexSystems
If TCF Bank isn’t available in your area, several other banks and credit unions also skip ChexSystems. These alternatives make it simple to open an account and start rebuilding your financial stability.
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.