6 Banks That Don’t Use ChexSystems | Everything That You Need To Know

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Shivangi Gupta
Shivangi Gupta
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Are you one of those who recently got a call from the bank saying they froze your account? Was your application for a new bank account rejected? 

Well, it is because of the negative remarks your account held on the ChexSystems. Many people are not aware of the fact that their banking behavior is being tracked continuously (via their checking and savings accounts) by a consumer rating agency (CRA) named ChexSystems. And, unfortunately, if you are being held up by ChexSystems, it means that you cannot resume your banking transactions by any bank right across your street for a period of five years because 80% of banks and trade unions use Chexsystems for screening their new applications (or even existing ones).

It is quite evident that your financial life is in a tight spot right now and that too for five years. But don’t you worry much because the rest 20% still offer a second chance once you gain their trust. Thankfully, there are some of the best reputable banks present in the nation that allow you to give another shot at banking; but with high acceptance rates, monthly fees, and limited services.

No Chexsystems Banks does own some cons as well, but certainly, it offers the services that you need and deserve to possess. We have listed some of the best banks that are suitable for you in this article below.

Best Banks That Don’t Use ChexSystems

No ChexSystems Banks’ that are suitable for your banking with low to minimal monthly fees, prominent features, and high security is a tough job, however, we have listed some of our top pickups based on your needs and requirements.



Chime is the finest financial technology company that intends to serve customers with basic banking services by forming a strong foundation of online banking. It is open for every and any customer, even if that customer is blacklisted or has a poor credit history.

Chime is known for its feasible services like :

  • No monthly or annual service charge.
  • No overdraft fee is applicable.
  • Access to 60,000 + fee-free ATMs at stores like Walgreens, 7-Eleven, CVS, and Pharmacy.
  • Cash withdrawal is allowed at SpotMe ATMs.
  • High-security measures are inculcated to safeguard your money and data.
  • No minimum security deposit is required and no annual fee or interest is charged to build credit. 

Visit Chime for more.

2. Acorns

Acorns bank

Acorns Bank is our second most top choice for your stress-free banking life, which not only provides its customers a platform to bank smarter but also encourages them to invest for a bright future. With its splendid features and reliable system, this bank holds a trustworthy impression in the eyes of people and secures their future in a glorious way. 

Here is the list of features that define Acorns in a better way :

  • Offers services like personal checking, investment, and retirement in a common digital platform.
  • No hidden fee is applicable as they instantly invest your spare change.
  • 55000 fee-free ATMs nationwide and around the globe. 
  • FDIC-insured up to $ 250,000.
  • Fraud protection and all-digital card lock.
  • Ensures smart deposit built-in by investing your money before you spend it. 
  • Available of various subscription plans according to your need and requirement. 

Visit Banking | Acorns for more.

3. Varo Bank


Varo Bank is the first US consumer fintech to receive a national bank charter from the OCC which allowed them to locate its proprietary, use cutting-edge technology and provide a wide range of financial products to their customers.

With a mission to introduce a healthy financial lifestyle to a wide range of citizens, they offer services like no credit check, no minimum balance required, zero monthly and overdraft fees, free visa debit card, and 55,000 + fee-free Allpoint ATMs to each and every customer they have in there list irrespective of their net worth, gender, age, disability or sexual, orientation with sheer transparency. This makes them one of the best No Chexsystems Banks.  

Visit Varo Bank for more.

4. GoBank


GoBank is an exclusive brand of Green Dot Bank, a Member of FDIC, and is considered as a good option for anyone who is looking for a No ChexSystems Bank. It provides a free sign-up online or via the GoBank app but you can also purchase a starter kit from participating retail stores for $2.95 or less and start your account for as little as $20, which goes up to $500. You can also avail of free monthly membership when your direct deposits reach up to $500 otherwise you have to pay $8.95 each month. 

GoBank is known for its tools and tactics to make budgeting trouble-free and its massive free ATM network. 

Visit Online Banking Made Easy | Bank Online with Gobank for more.

5. Wells Fargo Bank

Wells Fargo Bank

Wells Fargo Bank is another great option for you among the list of NO CHEXSYSTEMS BANKS which offers a wide range of services to their clients. They ensure high security to protect the privacy of their customers, allow various ways to perform the transactions (make deposits or payments) and offer Clear Access Banking (through debit-card only account) which denies your purchase if you don’t own sufficient funds.

This is a great deal to avoid an overdraft fee worth $35. This bank also requires a monthly fee of worth $5 for customers above age 24. 

Visit Checking Account Quick Start | Wells Fargo for more.   

6. Navy Federal Credit Union

Wells Fargo Bank

Navy Federal Credit Union was founded by 7 Navy Department employees at the end of the Great Depression with an aim to lend a helping hand to their own selves and their co-workers who want to reach their financial goals. With a vision to offer loans at affordable rates and acceptable terms, they pooled their money together and then sent an invitation to others who were interested in joining. 

Therefore, if you are one of those who have an active duty in the military or are a retired member, you are qualified for the NFCU membership. NFCU is the most suitable option for you because they don’t look up to ChexSystems or EWS and own a strong and secure system with no monthly service fee and no minimum balance requirements. 

Visit Navy Federal Credit Union for more.

Wrapping Up

Choosing a reliable No ChexSystems Bank is always a risk with multiple options and keeping that in mind, PathofEx has listed some of the best 6 No ChexSystems Banks on which you can put your trust without any doubt. So, let’s not give a chance to ChexSystems to blow your chance in banking with these hassle-free banks.

Have a great banking life ahead! 


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