Finding a checking account without Chexsystems might be a little hard, or you might be able to find a bank that will give you a checking account by just looking around on the internet. That should be the first thing to do, looking online for banks that don’t use Chexsystems. That way you can save time instead of having to go driving around looking for it. If you do not already know, Chexsystems is a tool that banks use to track people who have unpaid balances with other banks. What do they do with this information? They, for the most part, will deny you any checking accounts once they see that your name is on the list. A lot of these unpaid balances will come from NSF fees and charges that threw the account in the red. Honestly, my opinion is they should make it so its impossible for your checking account to go in the negative, but of course they will not do that because that is where they make the most money, from ripping people off in fees. Anyways, back to the topic. Although there are less than 1/5^th of the total banks out there are non chexsystems banks, you are still going to be able to find a bank that does not use it as long as you do not quit looking after being rejected a few times. What do you have to do? You have to be persistent in your search. Do not spend a few minutes looking and then quit. If you really want to get a checking account, you cannot quit if you keep getting rejected by banks that find your name on Chexsystem. I would say a good way to cut your time looking by a fraction of the time is to look around on the internet for a bank that does not use Chexsystems. You can then either apply online or apply over the phone to give your luck a shot. A lot of people have been able to get a checking account without chexsystems because they did research. I know, it is not a fun time when you are constantly being rejected by banks because of your bad credit with the chexsystems list. But just think that after your time is spent and you finally got a checking account, you will be relieved and grateful you did not quit. So I am going to end it here, and tell you to start looking so you can get your checking account. Once you are able to get a checking account from a bank, you need to watch your account very closely. You do not want to mess up your second chance checking account. It is almost like starting over again, and you want to make sure that you keep your new new banks relationship on the good side. One tip you can use is to use a little booklet to write down all of your charges to your debit card, and make sure that you check it atleast every other day. That way you will be able to monitor any charges that appear on your card, and if for some reason you see your account anywhere near zero dollars, you should put more money in the account. You do not want to get any more non sufficient funds fee on your new checking account. These non chexsystems banks that give you a checking account will most likely charge the same kind of fees as other banks. So with your new second chance, remember to manage your account the right way now.