Does Wescom 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.

Wescom Credit Union

If you’re considering opening a Wescom Credit Union checking account, you probably want to know, “does Wescom 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

Chime

Chime
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Overview
  • 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.

Chase

Chase
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  • No credit check or ChexSystems
  • $100 bonus after 10 purchases in 60 days
  • 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.

Current

Current
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Overview
  • No credit check or ChexSystems
  • No minimum opening deposit or maintenance fees
  • Get paid up to 2 days faster
  • Overdraft up to $200 without any overdraft fees

Current is one of the fastest-growing mobile banking solutions in the U.S., with over one million members. However, Current is a financial technology company, not a bank. Most importantly, Current does not use ChexSystems or pull your credit report.

Some features of the Current mobile banking account include fee-free overdraft protection of up to $100, 40,000 fee-free Allpoint ATMs, and no minimum balance or hidden fees.

You can also get paid up to two days early with direct deposit and earn up to 15x points, and get cashback.

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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