5 Credit Unions That Don’t Use ChexSystems in 2022

Banking

If you’ve ever been turned down for a checking or savings account, then you’re probably already familiar with ChexSystems. The consumer reporting agency keeps a record of any banking issues you’ve had over the years under the Fair Credit Reporting Act (FCRA).

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Your ChexSystems report will include things like account overdrafts, bounced checks, and suspected cases of fraud. Many of these items will stay on your report for five years or more.

When you apply to open a new account, most banks and credit unions will use your ChexSystems report to either approve or deny your request. Fortunately, more banks and credit unions are moving away from relying on the ChexSystems report.

5 Credit Unions That Don’t Use ChexSystems

Trying to improve your ChexSystems report can be a hassle, and fortunately, it isn’t always necessary. However, if you’re looking to open an account at a credit union, here are five good options that don’t use ChexSystems.

1. Navy Federal Credit Union

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If you or a family member is a military member, then Navy Federal Credit Union is an excellent option for you. The national credit union offers checking accounts, savings accounts, certificates of deposit (CDs), money market accounts, and more.

As a member, you’ll have access to more than 300 branch locations across the country, as well as thousands of free ATMs. In addition, Navy Federal has been recognized for offering outstanding customer service to its members.

Navy Federal also provides a wide variety of lending products at competitive interest rates. However, before you can get started, you’ll need to find out if you qualify to become a member.

2. America First Credit Union

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America First Credit Union offers free checking and savings accounts to its members. The credit union is based in Utah, and members typically live in western states like Utah, Arizona, Nevada, and Idaho.

Branch locations are limited, but America First does provide a nationwide ATM network. The credit union also provides various savings products with interest rates that are competitive with what many banks offer.

3. Southwest Financial Federal Credit Union

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Southwest Financial Federal Credit Union is based in Dallas, but members can join from anywhere, thanks to their 100% virtual services. You can log into your eBrand account to view your accounts, transfer money, and pay bills.

And thanks to the mobile app, you can deposit checks, receive account alerts, and view your bank statements without ever stepping foot outside your home. In addition, the credit union provides various services, including checking, savings, retirement accounts, and lending products.

And if you ever need to visit an ATM, then Southwest Financial has got you covered. Members can access one of the 55,000 Allpoint ATMs located worldwide.

4. Aspire Federal Credit Union

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There are a lot of benefits that come with being a member of Aspire Federal Credit Union. You’ll receive access to over 70,000 ATMs nationwide, mobile banking options, and 24/7 customer support.

Plus, Aspire partners with several companies to provide its members with valuable discounts. Members can save money on products from Sprint, TurboTax, SimpliSafe, and more.

5. State Department Federal Credit Union

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State Department Federal Credit Union (SDFCU) offers memberships to individuals affiliated with the Department of State. They currently have over 80,000 members worldwide.

SDFCU offers free checking, savings, youth accounts, and various lending products. Additionally, the interest rates are competitive, making SDFCU a good option for anyone that qualifies for membership.

To get started, you’ll need to check your eligibility first. If you meet the eligibility requirements, you’ll need to provide your address, Social Security Number, and driver’s license to open the account.

Alternatives to Consider

It’s possible that the credit unions outlined in this article won’t be the right fit for your situation. For example, credit unions tend to have stricter guidelines for memberships, and many are only available to individuals in certain states.

If you’re looking for some other alternatives, here are three you can consider:

Best Banks That Don’t Use ChexSystems

Chime

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  • 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

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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 an 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.

Aspiration

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  • Unlimited fee-free withdrawals at over 55,000 ATMs
  • Minimum opening deposit is $10
  • Deposits are FDIC insured up to $2 million
  • Get paid up to two days early

With the Aspiration Spend & Save account, you can earn up to 5% APY, plus you get unlimited fee-free withdrawals at over 55,000 ATMs. The minimum opening deposit is $10. Deposits are FDIC insured and you can get paid up to two days early.

The Aspiration debit card is made from recycled plastic. Deposits are 100% fossil fuel-free. And they even give you the option to plant a tree with every card swipe.

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.

See also: 20 Banks That Don’t Use ChexSystems

Final Thoughts

If you’ve been turned down for a checking or savings account due to a poor ChexSystems report, then there are options available to you. All the credit unions and banks outlined in this article will let you open an account without looking at your ChexSystems report.

This will make it easier for you to continue to pay your bills and go about your daily life. And in the meantime, you can work to improve your ChexSystems report by utilizing good banking habits.

Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

Jamie Johnson
Meet the author

Jamie Johnson is a freelance writer who has been featured in publications like InvestorPlace and GOBankingRates. She writes about various personal finance topics including student loans, credit cards, investing, building credit, and more.