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Their role is to collect information on closed checking and savings accounts, which reports may include information about bounced or bounced checks, overdrafts, and unpaid balances.
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If you have had these types of problems in the past, applying for a ChexSystems bank is not a good idea because it may decrease your chances of qualifying.
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For this post, we highlight 11 of the best banks that don’t use ChexSystems, along with other financial management options.
First, we must disclose that “Chime is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank or Stride Bank, N.A.; Members FDIC.”
That said, Chime allows you to open a checking or savings account and build your credit.
If you want to open a simple account that is easy to open without drowning in monthly fees and want to establish a history, Chime is a great choice.
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“Acorns helps you save and invest. Save money, bank smarter, get investment bonuses and more!” That is their motto.
This bank makes it quick and easy to open an account (less than five minutes) and allows you to invest for yourself and your family, for your retirement and more.
One of the key features is Round-Ups, where Acorns automatically deposits your extra cash to make saving easier. If you are the type of person who struggles to stay disciplined when it comes to saving in your bank account, this can be a big help.
You can access 55,000 ATMs free of charge as part of the AllPoint network. And like Chime, you can get paid up to two days in advance by direct deposit to your checking account.
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There is also a strong focus on financial education with Acorns where they will teach you about money management, investing and more.
As for bills, they are small and clear. The personal allowance is $3 per month and the family allowance is $5 per month.
If you’re looking for a solid bank outside of ChexSystems that allows you to invest effectively while you continue to learn, Acorns is a great choice.
One of the first things that stands out is that SoFi currently offers 1.50% APY on checking and direct deposits.
Banks That Don’t Use Chexsystems
If you’ve followed bank interest rates since the peak of the pandemic, you know they’re very good in our current economy.
Note that without direct deposit, however, you’ll only earn 0.70% APY on a checking and savings account.
If you already use SoFi funds for other areas of finance under their big umbrella, this is probably your best option if you don’t want ChexSystems banking because you can easily manage things. all from a convenient app.
The added bonus of SoFi Money is that it offers tokens that can be redeemed for cash, used to pay off a credit card, or reinvested. You can find all the information about the SoFi rewards program here.
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Apart from that, SoFi Money has some wonderful member benefits such as help with budgeting, making it a reliable bank.
As of July 2022, they have more than 400,000 accounts and receive praise from prominent outlets such as Forbes, Bloomberg, and Business Insider.
Opening a bank account is simple and straightforward and you can have your own credit or debit card within five minutes.
There is no annual fee or minimum investment, and Sable offers 1% cash back on major brands like Amazon, Uber and Whole Foods.
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They also offer great international rates in over 55 countries, which is why they were voted the best US bank for US expats.
They do not need a social security number. All you need is your US address, a passport and a US visa.
So if you’re looking for a fresh start with your checking account, bad credit, bad credit, or limited cash flow, Sable is a great option.
While there’s nothing fancy about Axiom Banking that sets it apart from the competition, it’s a reputable company that doesn’t look at ChexSystems data when determining eligibility.
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And Axiom Senior Checking is a great choice for people 55 and older, offering an attractive blend of modern banking and traditional checking features.
In addition, Axiom allows you to create an online trading account with many different types of information to meet different needs.
It is also important to note that this bank places a lot of emphasis on personal communication for that extra touch that many people like.
But the bottom line is that they have a large base that is rapidly increasing in popularity (there are currently four million members).
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Perhaps the best selling item right now is that they offer 4% APY on “savings capsules” where you plan your savings based on specific goals that grow 40x fast.
This is head and shoulders above the national APY of 0.07% through mid-2022. You can find all the details here.
Combine that with easy registration (it only takes two minutes to become an account holder) and it’s now at the top of the list of banks that don’t use ChexSystems.
Like SoFi Bank, Langley Federal Credit Union is a shopping center that offers home loans, auto loans, personal loans and more.
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And of course, to make this list, you can also get a checking account and save money through them too.
While their APY isn’t as good as many other banks (they currently offer 0.35% APY on an average daily balance of $10,000), they make up for it with their qualifications.
So if you have bad credit or no credit history, Langley is a good option to consider.
Although it has a $5 monthly maintenance fee, Essential Checking is perfect for keeping your bank account stable and your money on track.
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Essential Checking also offers great benefits like instant deposits with direct deposits, online banking and convenient mobile banking.
It is also free to use over 55,000 ATMs in the country that are in their network. Not to mention it’s not a ChexSystems bank.
As for a savings account, Langley also has some options for this, you can learn here.
Fort Sill National Bank (FSNB) first opened in 1942 to serve the military in Lawton, Oklahoma, and has since grown exponentially. It still caters to military personnel but also has services for the public.
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FSNB offers several types of checking accounts, some of which are free with monthly deposits and balances over $75.
For example, it’s free if you have $75 in your account, and $6 a month if the balance drops below that.
Additionally, all checking accounts offer 0.05% APY when maintaining a minimum balance requirement. This is what the account type looks like.
In terms of deposits, FSNB admits you won’t be blown away by the APY, as it’s only 0.20% for accounts and balances under $5,000.
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And if you are active or retired military, they have plans designed for you, along with many helpful resources to help you become a “financial asset.”
To clarify, Bank of Varo has no monthly fees, service charges or ATM fees, if you withdraw money from Allpoint ATMs in their network.
All together make Varo Bank an attractive choice for people looking for simple, straightforward banking without a lot of drama.
Remember that every time you reach $5 in cash, the money is automatically deposited into your bank without any hassle.
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In addition, it is easy to set up, with Varo Bank only asking you to enter basic information and verify your account.
So if you’re looking for a convenient bank that doesn’t look at your credit report or scorecard, Varo Bank should be on your radar.
“GoBank is a brand of Green Dot Bank, Member FDIC, which also operates under the Green Dot Bank and Bonneville Bank brands.”
They offer mobile convenience, so you can easily save money and check out at over 100,000 stores nationwide for as little as $4.95.
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“Just ask the cashier to put the cash directly on your card at the register, and soon the money will be in your bank account.”
Another interesting feature is the payment of bills where you can use GoBank to pay any bill or rent online either once or through recurring payments.
If you want to “set and forget” and manage your money through one simple application, GoBank is a good choice.
When it comes to ATM withdrawals, you get four free per month internet sites. After that, it’s $3 per dollar back.
Credit Unions That Don’t Use Chexsystems
Like many of the other national banks listed here, GoBank also offers an early payday up to two days before your payday if you set up the deposits correctly.
Founded in 1933, Navy Federal Credit Union has more than 11 million members and is one of the nation’s top banking options for military members and their families.
For starters, there is no monthly fee for everyone
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