If you’ve been denied a checking account because of past banking issues, you’re not alone. ChexSystems tracks activity like overdrafts, unpaid fees, and closed accounts. These records can stay on file for up to five years and make it harder to qualify for new accounts.
This can be frustrating when you’re trying to rebuild your finances. Fortunately, not every financial institution uses ChexSystems. Some offer second chance accounts or skip the system entirely, giving you more flexibility to open an account and manage your money again.
How ChexSystems Can Affect Your Banking Options
ChexSystems is used by about 80% of banks and credit unions across the United States to screen applicants. If your report includes negative marks, your application could be denied, even if you’ve since improved your financial habits.
Still, many institutions are more flexible. Some provide second chance accounts with fewer restrictions, while others allow you to open a regular checking account without a ChexSystems check at all.
United Community Bank’s ChexSystems Policy
United Community Bank does use ChexSystems when evaluating new account applications. If your ChexSystems report includes unpaid balances or other negative information, your application may be declined.
That doesn’t mean you’re out of options. While United Community Bank relies on ChexSystems, there are many banks and credit unions that don’t. These alternatives can help you regain access to the financial system and rebuild your record over time.
Best Alternatives to United Community Bank
If you’ve been denied an account at United Community Bank or any other ChexSystems bank, there are plenty of alternatives. These options make it simple to open an account, access direct deposit, and rebuild your financial foundation.
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.
