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What Bank Doesn't Use ChexSystems

Updated on June 19, 2013

Do you owe a bank money and are finding it impossible to open an account with another bank? You're not alone, there are tons of Americans in the same boat. Fortunately, there are some banks that do not use ChexSystems.


Banks and credit unions report customers to ChexSystems if they are unable to collect money that is owed to them, this stays on your report for five years. When you go to open an account with a bank the majority of them will check your ChexSystems report. If you are found to have a report you will normally be denied an account with that bank. So, many people are left without access to a checking or savings account.

Dollar Bank

Although there are other banks that don't use ChexSystems, I have found that Dollar Bank is the best out there. They offer free money checking accounts with no minimum balance or service charges. They also have a free money savings account which also requires no minimum balance or service charges. The interest rate on their savings accounts is pretty good too. They offer free online banking and have numerous branches throughout the United States. You can apply online or at a local branch. Happy banking!

Do You Use Dollar Bank?

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    • profile image


      7 years ago

      Hello is it true that Dollar Bank does not use Chexsystems?

    • LisaMarie724 profile imageAUTHOR

      Lisa Stover 

      7 years ago from Pittsburgh PA

      Thanks Mr-veg I'm glad I was able to share some knowledge.

    • mr-veg profile image


      7 years ago from Colorado United States

      well i never knew about chex systems at all.. thanks for the info Lisa !!

    • LisaMarie724 profile imageAUTHOR

      Lisa Stover 

      8 years ago from Pittsburgh PA

      Thanks for reading. It's hard once you are on the Chexsystems list so it's nice to know that there are banks that don't check with them.

    • prospectboy profile image

      Bradrick H. 

      8 years ago from Texas

      Never heard of this before, but definitely sounds like a great option. It's good that there are options out there like this one, and prepaid debit cards etc that don't require credit checks to have. Thanks for sharing this information.

    • LisaMarie724 profile imageAUTHOR

      Lisa Stover 

      8 years ago from Pittsburgh PA

      Your welcome. Lord knows I have been known to over draw one to many times :)

    • Abbasangel profile image


      8 years ago from Australia - The land down under

      This is helpful for people who have been over withdrawn one too many times due to financial pressures. Thanks Lisa.

    • LisaMarie724 profile imageAUTHOR

      Lisa Stover 

      8 years ago from Pittsburgh PA

      Thank you John I will have to check that out, thanks for stopping by.

    • John Saunders profile image

      John Saunders 

      8 years ago from Fort Lauderdale, Florida

      There is a great service out there to get FDIC non chexsystems bank accounts and chexsystems removal. This site has excellent ratings and reviews. - Try them out - hope it helps.

    • LisaMarie724 profile imageAUTHOR

      Lisa Stover 

      8 years ago from Pittsburgh PA

      Thanks, it's very hard to find a bank that doesn't use this system. Some banks do offer second chance checking accounts but they charge fees monthly, whereas Dollar Bank does not and it's a normal account.

    • Bethaleg profile image


      8 years ago from Minnesota

      I will keep this in mind, should I ever need it. Very helpful!

    • LisaMarie724 profile imageAUTHOR

      Lisa Stover 

      8 years ago from Pittsburgh PA

      You're welcome, hope it was helpful for you.

    • Mhatter99 profile image

      Martin Kloess 

      8 years ago from San Francisco

      Thank you for this.


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