If you’ve been denied a checking account because of past banking issues, you’re not alone. Many banks check your record through ChexSystems before approving a new account.
ChexSystems tracks negative activity such as overdrafts, unpaid fees, and closed accounts. These records can stay on your file for up to five years, which often makes it harder to open new accounts during that time.
How ChexSystems Can Affect Your Banking Options
Most banks and credit unions in the U.S. use ChexSystems to screen new customers. If your record includes unpaid fees or repeated overdrafts, your application might be denied.
However, not every financial institution follows the same approach. Some skip ChexSystems entirely, while others offer second chance accounts that give people the opportunity to rebuild their banking record.
Zions Bank’s Policy on ChexSystems
Zions Bank does use ChexSystems when reviewing new checking account applications. If your file includes unpaid fees, overdrafts, or account closures, your application may not be approved.
If this creates a challenge, there are still plenty of alternatives. Many banks and credit unions make it easy to open an account without ChexSystems, giving you a way to manage your money confidently.
Alternatives to Zions Bank That Don’t Use ChexSystems
If Zions Bank’s ChexSystems policy doesn’t work for you, these trusted options make it simple to open a checking account:
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.
