Banks that Don’t Use ChexSystems in Ohio (A Comprehensive List)

Applying and being denied a checking account can be frustrating and inconvenient.

It’s also more expensive to use cash, prepaid cards, payday loans, or checking cash services.  Even getting a direct deposit from your employer can be difficult.

A study revealed that check-cashing fees could cost you $40,000 over a lifetime. That money could earn you interest in a high-yield savings account.

In fact, it is estimated that 7.2% of Ohio households are unbanked. They pay between $65 million and $168 million in financial fees for not having a bank.

Yet, most people in Ohio are absolutely unaware of some banks and credit unions that dont use ChexSystems and offer Ohio second chance checking accounts.

But first, let’s  understand what ChexSystems is and why it exists.

What Is ChexSystems? 

ChexSystems is a specialty Consumer Reporting Agency (CRA) in the US created under the Federal Fair Credit Reporting Act (FCRA). The system tracks consumer’s activities on their checking and savings account – similar to how TransUnion, Experian, and Equifax collect information on credit card and loan history.

Therefore, any negative mark on the ChexSystem remains on your profile up to 5 years. And most credit unions and banks will not open an account for you during the five years.

That leads us to the next question you might have.

Can I open a bank account if I’m in ChexSystems?

Yes, you can if you apply to the right banks, and that challenge will never be an issue.

There are second chance banks and second chance credit unions in Ohio which offer second chance checking accounts. Some dont even look at ChexSystems when you apply for a checking account.

Better Credit Lab helps thousands of people just like you find Banks in Ohio with Second Chance Checking. We’ve compiled a massive list of Non-ChexSystems Banks in Ohio based on their checking account features and benefits. Best of all, you can even open an account today.

But before we look at the list, let’s first answer this question.

Can a bank override ChexSystems?

Bank managers often have the authority to override bank policies towards clients regarding their negative ChexSystem records. There is a good chance to get a new bank account if you present your case nicely. 

You can also request account privileges even if you have a negative ChexSystem record if the manager is accommodating.

So, what banks or credit unions do not use ChexSystems?

Banks that dont use ChexSystems in Ohio

1. Chime Bank grows your savings

APPLY NOW: ON CHIME’S SECURE WEBSITE

Chime bank does not subject you to a credit report check, neither does it use ChexSystems. Their objective is to eliminate fees associated with other traditional bank accounts. They want to help you build your saving habits and provide more benefits at the same time.

Here are the main features

• Get your direct deposit up to 2 days early.
• Access cash at 38,000+ fee-free ATMs, but out-of-network fees may apply.
• Get a Chime Visa® Debit Card.
• Get a free overdraft of up to $100 (without overdraft fees)
• Get cash without paying fees on Visa Plus Alliance ATMs or MoneyPress.
• No minimum balance and monthly service fees.
• Comprehensive mobile app to help you manage your money on your mobile. 
• Works like a traditional checking account but without a check writing
• Get an optional savings account that earns 0.50% (APY).
• Makes your banking easier because you can transfer money, send and deposit checks even pay bills without monthly fees or overdraft fees. 
• Round up your Visa Debit Card transactions to the nearest dollar and transfer it to your savings account.
• Lenient towards people with previous checking account issues.
• Free card replacement: Instantly blocks transactions on your debit card if lost or stolen and provides a free replacement.

2. BBVA Bank

APPLY NOW: ON BBVA’S SECURE WEBSITE

BBVA Bank enables you to manage your checking account online. They don’t have a banking institution in Ohio but you can open an online checking account via their website. BBVA bank doesn’t use the ChexSystems may review your Early Warning Service (EWS) report

Some features are;

• Get a free checking account with no fees with a low opening balance of $25
• Manage everything in one place
• Easy access to cash with over 64,000 AllPoint ATMs countrywide and BBVA ATMs.
• Pay $0 in fees at the BBVA ATMs
• Enjoy the complimentary mobile app, online baking, mobile deposit, bill pay, and more.
• Get a free VISA debit card
• Available overdraft protection programs
• Earn cash bank rewards with daily purchases you make with your card.
• Their online baking enables you to utilize financial tools to help you manage your budgets, meet your savings goals, and connect to other banks.
• BBVA ClearBenefits program gives you theft restoration and cell phone protection at only $4 per month.

3. Buckeye State Credit Union

APPLY NOW: ON BUCKEYE’S SECURE WEBSITE

Buckeye State offers a second chance checking account but you have to take a checking account management course.

Some basic features are;

• Requires a $40 deposit to open an account and you pay for checks to be ordered.
• Free debit card but you only qualify once you’ve gone through six months without a single overdraft.
• You will also have access to shared branching network benefits.
• Up to $1000 for overdraft protection but they will charge an overdraft fee if it occurs.
• Have a strong online banking and branch location in Alliance, Canton, Akron, and Shaker Heights.
• Other benefits include

4.  Cardinal Credit Union

APPLY NOW: ON CARDINAL’S SECURE WEBSITE

Cardinal Credit Union offers a second chance checking account especially to those who don’t qualify for a traditional checking account or have trouble with ChexSystems.

Features are;

• Free debit card and online banking.
• No minimum balance requirement
• You must sign up for direct deposit.
• Monthly fees of $8.95
• The account does not have checks but you get a debit card.
• You can apply for a regular checking account after a successful 12-month period.
• You can find them in Austintown, Mentor, Westlake,Willoughby, and Richmond Heights Ohio.
• 5 free non-cardinal ATM transactions per month and 10 free bill pay transactions per month.

5. Cortland Bank

APPLY NOW: ON CORTLAND’S SECURE WEBSITE

If other banks have turned down your application for a second chance checking account, then Cortland Banks will offer you just that.

Here are the basic features;

• Monthly paper statements
• ATM access
• A monthly fee of $6
• Main offices are in Ohio, Canfield, Brookfield, Bristolville, Fairlawn, Mantua, Niles Park Plaza, Hudson, North Lima, Warren, Vienna, Windham, or Williamsfield.

6 . City National Bank

APPLY NOW: CITY’S SECURE WEBSITE

City National Bank offers a second checking account called “the Bounce Back”.

Here are the features;

• No minimum balance requirement
• Free debit card
• A monthly fee of $6.99 if you sign up for a direct deposit or $8.99 without direct deposit.
• Get two non-sufficient funds waived.
• Free access to the banks’s standard features such as online and mobile banking, bill pay, mobile deposit, and text banking.
• Available in multiple states. 

7. Columbus Metro Credit Union

APPLY NOW: COLUMBUS METRO’S SECURE WEBSITE

Columbus Metro Credit Union offers you a “Metro Merit Checking as a second chance option. Here are the features;

• Pay a monthly fee of $10 and get unlimited check writing, including withdrawals and a free MasterCard debit card.
• You need $25 to open the account, and you can choose online or in person in one of their branches.
• Three overdraft protection options and take advantage of both online and mobile banking.
• Over 20,000 surcharge-free ATMs throughout the country.

8. Corporate America Family Credit Union

APPLY NOW: ON CAFFCU’S SECURE WEBSITE

Corporate America Family Federal is another option for your imperfect checking past. Here are the main features;

• Keep $100 in your share account to qualify.
• A $10 monthly fee.
• A free online course called “Get in Balance” to help you learn how to manage your checking account.
• You need to be employed by a sponsor company to qualify for the account or related to an existing member.
• Live within 25 miles of the CAFFCU branch or become a member of the Hope Group.
• Access to free ATMs and co-op shared branches throughout the state.

9. Eaton Family Credit Union

APPLY NOW: ON EATON’S SECURE WEBSITE

Eaton Family Credit Union uses the ChexSystems but you can qualify if your ChexSystems or Telecheck history is at least 3 months old and unpaid balances are below $500.

You can also qualify if you live, worship, work or go to school in Cuyahoga County or Lake County.

Another qualification is being an employee of a select Employer Group.

Key features include the following;

• A monthly fee of $10
• Checking account has an ATM withdrawal of $200, daily purchase limit of $500 .
• Direct deposit required.
• Ability to manage your bank account online.
• Free checks and free debit MasterCard.
• No minimum balance requirement.
• Branch locations available in Euclid and Willoughby Hills.

10. Fifth Third Bank makes banking easy

APPLY NOW: ON THEIR SECURE WEBSITE

You can get a checking account with Fifth Third Bank if you don’t have a history of fraud or debt with Fifth Third. You can also choose from multiple checking options and their Free Checking account being the best.

Basic features include;

• No minimum deposit
• No minimum balance required
• Contactless debit MasterCard makes transactions fast and safe.
• Track your purchases online or via a mobile app and mobile alerts
• Get an easy deposit program
• Mobile and online statements
• Access more than 50,000 free-free ATM nationwide

11. First Financial Bank gives you a fresh start

APPLY NOW: ON THEIR SECURE WEBSITE

First National Bank in Ohio will help you rebuild your financial health through their CLEANslate Checking account. 

Here are the main features;

• It requires an opening fee of $50.
• Monthly service fee of $10
• A free debit card with access to free ATMs at First Financial and AllPoint ATMs and more.
• Free gift when you open at the banking center.
• Online and mobile banking, mobile deposit, and bill pay.

12. Go Bank – an simple option for online banking

APPLY NOW: ON THEIR SECURE WEBSITE

To open an account with Go Bank, you need to purchase a Go Bank starter kit from any of the partner retailers and pass an identity verification.

Main features include;

• The starter kit gives you the ability to use a debit card for ATM withdrawals and purchases.
• You can also write checks to avoid expensive money order fees.
• Make bank deposits through mobile check deposit, direct deposit or participating retailers for a small fee 
• Waiver of a monthly maintenance fee on $8.95 if you make a direct deposit of over $500.
• Ability to budget your money with budgeting tools, mobile app, and a saving vault.
• Participating retailers include CVS, Kroger, and Walgreens.

13. GTE Financial

APPLY NOW: ON THEIR SECURE WEBSITE

GTE Financial is one the biggest credit unions in the United States. They have easy requirements and you can make an online application.

Their Go Further account helps to put you on a path to a better checking account in as little as 12 months.

Features include;

• Low-cost checking account as long as you make a total deposit of $500 for the month.
• A monthly maintenance fee of $9.95
• Opt to receive eStatements, make 15 transactions every month, and get the $9.95 maintenance fee waiver.
• Free bill pay service
• Mobile and online banking tools
• Easy money transfers through the Popmoney service
• Free EMV-equipped debit card with built-in rewards
• They are based in Florida, but anyone in Ohio or from any of the 50 states can open an account online for free.

14. Hopewell Federal Credit Union

APPLY NOW: ON THEIR SECURE WEBSITE

Apply for a Rebound Checking at Hopewell Federal Credit Union if you have trouble with the ChexSystems in Ohio.

Features include;

• Monthly fee of $8
• No access to overdraft protection.
• You can upgrade to a regular account after a year of managing your second chance account.
• Branch locations are; Ohio, Johnstown, Heath, and Newark.
• Check the membership application online to find out if you qualify.
• Enjoy online features such as direct deposit, bill pay, and shared branching.

15. Kemba Financial Credit Union

APPLY NOW: ON THEIR SECURE WEBSITE

KEMBA Financial’s Fresh Start Checking aims to help people with past banking complications. Here are the main features;

• A debit card and unlimited check writing.
• No minimum balance requirement.
• Monthly fee of $10.95, but they can lower it to $8.95 if you have at least $500 in direct deposits scheduled every month.
• You can also switch to KEMBA’s Hassle-Free Checking as soon as you reach the following milestones;
  • 12 consecutive months of less than 12 non-sufficient funds notices, OR
  • 6 straight months with less than six NSF notices and take a money management course online.

16. Liberty Savings Bank helps you improve your financial standing

APPLY NOW: ON THEIR SECURE WEBSITE

Liberty Savings Bank offers you the Clean Slate Checking Account. Eligibility requirements are;

• You can’t have more than three reports in your ChexSystems record.
• They do not have a physical branch in Ohio, but you can apply online as an Ohio resident.
• Free withdrawal at local AllPoint ATMs

17. LorMet Community Federal Credit Union

APPLY NOW: ON THEIR SECURE WEBSITE

LorMet Community Federal account comes with a one-time setup fee of $25 and an additional $50 as your earning deposit.

Other features include;

• Monthly fee is $9.95.
• Your records on ChexSystems must be more than 6 months and only one open record of less than $500.
• Not a suspect of fraud.
• LorMet membership is open to people who live, work, worship, and go to school in Lorain County, Cities of Bay Village, Westlake, or Rocky River.

18. Members Trust Federal Credit Union

APPLY NOW: ON THEIR SECURE WEBSITE

Get a second chance checking account with Trust and Alternative Accounts.

They may be able to help if you have unpaid balances reported in your ChexSystems or have previous credit problems.

They have options for almost everyone, even if other banks have turned you down for a checking account.

Get your second chance account by contacting their Member Service Department at (800) 769-8934 to find out if you qualify.

19. Miami University and Community Federal Credit Union

APPLY NOW: ON THEIR SECURE WEBSITE

Miami University and Community Federal offer a competitive Second Chance Checking Account. You have to call a member representative to open an account.

However, the main features include;

• No monthly maintenance fees
• Unlimited check writing
• Free debit card (after 60 days of good account standing) along with ATM access and a free box of checks.
• Qualify for an overdraft after 30 days.
• Free access to both mobile and online banking with bill pay and more.
• Branches are in Ohio, Hamilton, Oxford, and Middletown.
• Ensure your unpaid balances do not exceed $300
• Provide written explanations of prior checking account difficulties reported to ChexSystems.
• Require a direct deposit and maintain your account in good standing for at least 30 days to qualify for overdraft protection.

20. Navy Federal Credit Union

APPLY NOW: ON THEIR SECURE WEBSITE

Despite your banking history, Navy Federal Credit Union offers regular checking for everyone in Ohio and across the United States.

Main features; 

• An excellent choice for retired US military or active duty family members and government contractors.
• Have two banking choices; Free eChecking, Active Duty Checking.
• Free NFCU debit card.
• No monthly service fee with direct deposit
• Overdraft protection with free savings transfers.
• Checking line of credit or additional overdraft protection service.
• Free mobile deposit
• Free traditional name-only checks
• Free bill pay
• Dividends credited monthly
• Free traditional name-only checks

21. Peoples Cash Solutions gives you a fresh start

APPLY NOW: ON THEIR SECURE WEBSITE

People’s cash solutions give you a second chance checking account if you haven’t been involved in any fraudulent activity.

Main features include;

• Easy direct deposit to save you time and money by eliminating the check-cashing process.
• Simple access to your money through a Peoples Cash Solution debit MasterCard.
• Online baking, money transfers, and bill pay.
• A personal checkbook

• ATM Access\
• A minimum deposit of $30 and a monthly maintenance fee of $4.95

22. Radius Bank

APPLY NOW: ON THEIR SECURE WEBSITE

Radius bank is not physically located in Ohio but gives you an online banking option. You also get a wide variety of checking account options to choose from.

However, among them is the Essential Checking which does not use the ChexSystems. You’ll need to apply online to check if you qualify to enroll in their second chance checking account – even with a record on the ChexSystems.

Key features include;

• Pay a monthly fee of $9
• Manage your savings and checking account in one convenient place – either with your mobile or online.
• You can deposit checks, pay people, pay bills, add debit cards to mobile wallets such as Google Pay, turn off your debit card, place spending restrictions, and more.
• The Integrated Financial Dashboard helps you learn personal finance skills. You can create a budget, track spending, or create plans to pay off debt – all on the dashboard.
• The debit card had a limit of $500 of daily spending.
• Mobile check deposits have a limit of $1000 daily and $2000 per 10 days.
• 12 months of positive baking will qualify you to upgrade your second chance account to a Rewards Checking account

23. Republic Bank

APPLY NOW: ON THEIR SECURE WEBSITE

Their Checking Builder account is your second chance option. But to qualify, you need documentation showing satisfied debts from ChexSystems.

Here are the main features;

• No minimum account balance, but you need an opening deposit of $50 
• Get unlimited debit card transactions, check writing, online banking, savings account, and bill pay.
• Monthly fee of $12.95 but drops to $7.95 if you sign up for direct deposits or use your debit card for at least 20 point-of-sale transactions every month.
• Access to multiple branches in Ohio.

24. SoFi Money helps you save money

APPLY NOW: ON THEIR SECURE WEBSITE

It’s a top choice for non-traditional banking options, but money management accounts for the tech-savvy. Features include;

• No account fees
• Reimbursable ATM fees
• Free money transfers
• No minimum account balance requirement.
• No initial deposit is required.
• SoFi pays you through high yield interest rates on your checking account balance.
• Earn a $50 cash bonus if you sign up for SoFi Money and make one direct deposit of at least $500.
• Get a SoFi Debit MasterCard for use everywhere a MasterCard is accepted.
• Easy to use mobile app keeps you in control of your money and offers money transfers, educational services, and bill pay.

25. Superior Federal Credit Union

APPLY NOW: ON THEIR SECURE WEBSITE

Superior’s Fresh Start Checking Account is another option for a second chance account. The main features are;

• Get a debit card but no checks
• Courtesy pay and ATM deposit
• Low monthly fee of $5
• No minimum account balance.
• Free online and mobile banking, access to withdrawals at MoneyPass, and Alliance One ATMs.
• Switch to the Standard Checking Account after a year of solid performance. Superior checking accounts include checks.
• Branches available in Fostoria, Kenton, Coldwater, St. Mary’s, and Lima

26. Universal One Credit Union

APPLY NOW: ON THEIR SECURE WEBSITE

Despite your past in the ChexSystems, you can potentially qualify for a Universal One’s Find Stability Checking account.

Main features include:

• The monthly fee of $15, but you get a free Visa Debit Card and check abilities.
• You need to be a member to qualify for an account.
• You can fund branches in Centerville, Huber Heights, Kettering, Beavercreek, Miamisburg, Vandalia, Sugarcreek Township, Dayton, Sidney, and Chillicothe.
• Participate in shared ATMs and branches, giving you access to thousands of locations countrywide.
• All accounts come with mobile banking, online banking, cashback rewards with debit card use, and shared branching and ATM use.

27. US Bank gives you a checking account without checks

APPLY NOW: ON THEIR SECURE WEBSITE

The US Bank gives you easy access to your money with a Free US Bank Visa Debit Card and online banking. Key features include;

• Free mobile app allows you to track your spending, receive low balance alerts and transfer money securely to other people.
• No overdraft fee.
• Free access to TransUnion CreditView Dashboard, allowing you to view your credit score. It also helps you learn how to build and maintain positive credit.
• Mow monthly maintenance fee of $4.95

28. Varo Bank

APPLY NOW: ON THEIR SECURE WEBSITE

Viro Bank is an internet-only bank with services based on their mobile app for Android and Apple devices. The main features are;

• No ATM fees at more than 55,000 AllPoint ATMs.
• Get string budgeting tools and automatic savings programs
• No initial deposit requirement.
• No monthly maintenance fees, transfer fees, foreign transaction fees, or debit card replacement fees.
• Quicker access to salary as soon as they receive a payroll notification before your payday.

29. Washington Savings Bank helps you rebuild your banking relationship.

APPLY NOW: ON THEIR SECURE WEBSITE

Their Online Rewards Checking account allows you to start fresh with relaxed ChexSystems requirements.

Key features include;

• A minimum deposit of $10 and an online application.
• No minimum balance requirement
• Monthly fees of $14.95
• Convert your account to a free checking plan after a year of good standing.
• Free budgeting tools
• Free mobile banking, online banking, and bill pay
• Get a  free Mastercard EMV debit card
• Mobile deposit after 3 months of direct deposits
• Free eStatements

30. Wells Fargo

APPLY NOW: ON THEIR SECURE WEBSITE

Wells Fargo gives you an opportunity if you’re unable to open a standard account to do past credit score or banking history with ChexSystems. Main features include;

• An opening deposit of $25
• Monthly fee of $10 but can be waived if you use your debit card at least 10 times a month or you are between ages 13 and 24 years old.
• You have an option to sign up for at least $500 in direct deposits or maintain a daily balance of $1,500 to avoid fees.
• You can find several branches in Ohio near larger cities like Columbus, Cincinnati, and Toledo.
• No overdraft fees, no paper checks, but you can access bill pay, online transfers, mobile deposits, debit cards, financial tools, text banking, and much more.
• You can also add a savings account along with a checking account.

31. Woodforest National Bank

APPLY NOW: ON THEIR SECURE WEBSITE

Woodforest gives a strong option of a second chance Checking account if you have had challenges maintaining a bank account previously. Main features include;

• Account opening deposit of $25
• One time set up fees of $9
• Monthly maintenance fee of $11.95 but can get reduced if to $9.95 if you sign up for a monthly direct deposit.
• Strong online presence and locations such as Bellefontaine, Newark, Chillicothe, Mansfield, Dayton, Springfield, Mount Vernon, Urbana, and many others. Use the branch locator to find a branch near you.

32. First Central National Bank

APPLY NOW: ON THEIR SECURE WEBSITE

First Central National Bank does not use ChexSystems and only requires a valid ID to open an account. You can also choose from the many checking accounts.

Main features are;

• No minimum balance is required.
• Unlimited check writing but with a small monthly fee
• Variety of checking accounts which include; regular checking account, senior checking account, and student checking account.

33. Equitable Savings and Loan

APPLY NOW: ON THEIR SECURE WEBSITE

Equitable Savings and Loan requires a credit check to qualify for a certificate of deposit or savings account.

Recent negative records such as slow payments, collections, repossessions, lawsuits from creditors, foreclosures, or defaults will cause them to deny you the opportunity.

But to get approval, you need to explain the circumstances if you have a bankruptcy in your past.

34. First Federal Savings Bank

APPLY NOW: ON THEIR SECURE WEBSITE

They do not use the ChexSystems but use the Telecheck to review applications. 

Their primary features include;

• Online and mobile banking, bill pay, and e-statement
• Debit card
• A monthly maintenance fee of $7 but can be waived if you maintain a minimum balance of $100, sign up for at least one direct deposit, or you are under 25 years old.
• Two branches available in Ohio and Newark. Other branches are Heath, Pataskala, Granville, and Gahanna.

35. Sharefax Credit Union

APPLY NOW: ON THEIR SECURE WEBSITE

Key features include;

• No monthly fees.
• No service charge for checks
• No minimum balance
• Get 100 free checks every year
• You can only use your credit card for $2000 in daily purchases and only $600 in ATM withdrawals each day.
• Branches are in Evendale, Batavia, Milford, Mason, Lebanon.

36. Perpetual Savings Bank

APPLY NOW: ON THEIR SECURE WEBSITE

All you need is a valid ID at Perpetual Savings Bank; however, they have a limited online presence. They have two checking account options – both are interest-bearing.

• The first checking account (NOW Checking) requires a minimum balance of $100.
• The second checking account (SUPER NOW Checking) offers two tiers of interest depending on your minimum balance size.
• Branches are located in Ohio and Urbana.

37. Sun Federal Credit Union

APPLY NOW: ON THEIR SECURE WEBSITE

Offers another opportunity for members to a Fresh Start Checking.

Main features are:

• Monthly fee of $10
• Upgrade to a free regular checking account after one year, and only if you maintain a positive balance, no more than NSF fees in 12 months, and complete the Check Right program.
• Find branches in Ohio, Maumee, Toledo, and Oregon.

38. Covington Savings and Loan

APPLY NOW: ON THEIR SECURE WEBSITE

All you need is a valid ID to qualify for an account. They have a Basic Checking and Now Checking and have the following features;

• Minimum balance requirement if you want to avoid monthly fees.
• Consider a NOw checking if you want an interest-bearing account.
• Check your account information online.
• If you need in-person support in Ohio, you can visit Covington or Bradford.

39. Vacationland Federal Credit Union

APPLY NOW: ON THEIR SECURE WEBSITE

You need a valid ID, and after approval, consider the Regular Checking option.

Main features are;

• Unlimited writing checks and a free debit card
• Access to free online banking and bill pay
• Some members qualify for an overdraft protection
• Must be a member to open share savings account with a $25 deposit.
• To become a member, you need to work, live, worship, or attend school in Erie County.
• Find a branch in Hurun, Sandusky, Norwalk, and Vermillion.

40. First Federal Bank of Ohio

APPLY NOW: ON CORTLAND’S SECURE WEBSITE

You need a photo IS to qualify for an account. Features are;

• Thrifty Checking offers you mobile banking and a debit card.
• Low fee of just $2.50 can be waived if you keep at least $150 in your account – otherwise no minimum balance requirement.
• Allow you to access the mobile app either through the Apple Store or the Google Play Store.
• Find branches in Cardington, Galion, Mt. Gilead, Shelby, Mansfield, Sandusky, and Tiffin.

41. Antwerp Exchange Bank

APPLY NOW: ON THEIR SECURE WEBSITE

Main features are;

• It only requires a valid photo ID to open a checking account
• Locations in Antwerp, Payne, and Harlan, and Antwerp Exchange Bank
• Most individuals qualify for New Advantage Checking.
• The minimum deposit to open an account is $100 but,
• No monthly fees
• Online banking is included with any Account from Antwerp Exchange Bank.
• Access their mobile app, CardValet, which allows you to manage your debit card through your phone.
• Visit any MoneyPass ATM to access your funds when you need cash fast.

42. Greenville National Bank

APPLY NOW: ON THEIR SECURE WEBSITE

Greenville uses a credit report check rather than a ChexSystems check to determine eligibility. But if they approve your application, opt for their Free Checking because it doesn’t have a monthly fee. 

Key features

• No monthly fees
• Need $50 to open an account.
• No minimum balance to maintain the account, making it easy for you to manage.

43. The Farmers State Bank

APPLY NOW: ON THEIR SECURE WEBSITE

Uses your TransUnion credit report rather than the ChexSystems. If you qualify, here are the features;

• Sign up for the FSB Direct Account, which does not charge a monthly fee.
• Earn a small amount of interest if you maintain a balance of at least $100.
• Free online banking,  bill pay, and e-statements
• Free access to thousands of ATMs in the Jeanie Network
• Locations include; New Paris, New Madison, Winchester, Greenville, Springboro, Lewisburg, and Portland.

44. Dayton Firefighters Federal Credit Union

APPLY NOW: ON THEIR SECURE WEBSITE

Fire Fighters Federal requires a TransUnion credit report, not the ChexSystems. There are multiple Hasasa accounts you can choose from, and most of them allow you to earn rewards based on your purchases.

Main features include;

• Access to online services, bill pay, mobile app, and remote deposit capture.
• Wide membership eligibility includes anyone who lives, worships, works, or attends school in Greene, Montgomery, or Miami counties.

45. Progressive Bank

APPLY NOW: ON THEIR SECURE WEBSITE

Progressive Bank may check your credit score rather than your ChexSystems report. Multiple accounts are available and the most basic being Free Checking. Main features include;

• No monthly maintenance fee
• No minimum balance required
• You need $100 to open the account.
• Multiple locations throughout Ohio include; Crooksville, Zanesville, Cambridge, Frazeysburg, Heath, and New Concord.

46. Ohio University Credit Union

APPLY NOW: ON THEIR SECURE WEBSITE

You are eligible for an account with Ohio University CU if your credit score is 620 or higher. There is a free checking account with the following features;

• No monthly fees
• No minimum balance
• You can sign up with either a $25 opening deposit or enroll with a direct deposit.
• Take advantage of CheckRight, a self-study course that teaches you how to budget and manage your checking account.

47. Firelands Federal Credit Union

APPLY NOW: ON THEIR SECURE WEBSITE

Main features include;

• Minimum balance of $25 initial deposit
• Monthly fee of $5, but you can get it waived completely if you sign up for a direct deposit.
• Unlimited check writing
• Free digital banking and Free Visa Debit Card
• Deposit of $5 into share savings account to become a member.
• Need to live, work, worship, or attend schools in; Huron County, Plymouth, Oxford, Berlin, Adams, and many more.
• Branches are located in Bucyrus, Bellevue, Galion, Monroeville, and Norwalk.

48. IH Credit Union

APPLY NOW: ON THEIR SECURE WEBSITE

IH Credit Union checks your credit card report rather than the ChexSystems review. Requirements are;

• Deposit $25 to open an account.
• Choose from either Free Kasasa Cash or Free Kasasa Cash Back.
• No monthly fee for any of the accounts
• Earn rewards without a minimum balance.
• Located in Springfield and Urbana
• Membership requirements are broad, but the easiest is to live, work, worship, or attend school in Ohio.

49. GenFed Financial Credit Union

APPLY NOW: ON THEIR SECURE WEBSITE

You can get a Clean Start Checking Account. Key features are;

• You can’t have more than three records in ChexSystems. 
• Your outstanding balance must be less than $500.
• You can’t have outstanding items that are less than one year old.
• Monthly fee of $5
• Upgrade to GenFed’s Free Checking or Dividend Checking account if you successfully manage your account for a year.

The Best Second Chance Banks and Credit Unions in Ohio

U.S. bank second chance checking that dont use ChexSystems offer the same features as banks that do. This comprehensive list gives you various options to fit your banking needs – regardless of your banking history.

FAQs About Banks That Don’t Use ChexSystems

What Major Banks Do Not Use ChexSystems?

The major banks that do not use ChexSystem include the following:

• Axos
• Chase
• Chime
• Current
• US Bank
• Aspiration
• United Bank
• Renasant Bank
• Fort Still National Bank 
• Navy Federal Credit Union

Can I Open a Bank Account If I’m in ChexSystems?

Yes, you can open a bank account if you’re in ChexSystems. However, that’s only possible after the bank confirms you aren’t a risky customer. You can open a second-chance checking account if your ChexSystem record disqualifies you from getting a bank account. The holding duration can go up to five years.

Does Chase Check Chexsystems?

No, Chase doesn’t check past activity in the ChexSystems during your second chance account application. Even so, the bank reports your ongoing activity to the system when opening the second account. Using your new account builds up a positive history with ChexSystems over time.

What Bank or Credit Union Does Not Use Chexsystems?

United Bank is a credit facility that doesn’t use ChexSystem to approve applicants. Instead, the bank offers three checking accounts: United Rewards Checking, Platinum Checking, and United Free Checking. United Free Checking requires no minimum balance and has no monthly fee.