Have you had trouble opening a checking account because of past banking issues? You’re not the only one. Many people run into this problem after overdrafts, unpaid fees, or closed accounts, but that doesn’t mean you’re out of options.
ChexSystems is a consumer reporting agency that tracks your banking history. Negative entries can stay on your record for up to five years, and because most U.S. banks rely on ChexSystems, it can make getting approved for a new account more difficult. Fortunately, there are ways to move forward.
How ChexSystems Impacts Your Banking Options
When you have a ChexSystems record, many banks automatically reject your application. It can feel discouraging, especially if you’ve worked to improve your financial habits since then.
However, not all financial institutions depend on ChexSystems. Some banks and credit unions offer second chance accounts that help you rebuild your record, while others don’t use ChexSystems at all. These alternatives make it possible to access essential banking services like debit cards, direct deposit, and online bill pay without unnecessary barriers.
United Bank’s ChexSystems Policy
If you’re considering opening a checking account with United Bank, you’ll be glad to know they do not use ChexSystems during their review process. That makes them a strong option for anyone who has experienced banking setbacks and wants a clean slate.
United Bank offers simple checking and savings accounts, low fees, and convenient online access. Their customer-friendly approach makes them an appealing choice for those looking to rebuild their financial foundation.
Other Banks That Don’t Use ChexSystems
While United Bank is an excellent choice, several other banks also welcome customers with prior banking challenges. These institutions provide the same key features, such as mobile banking, debit cards, and early direct deposit, without a ChexSystems screening.
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.
