Some common examples of the type of problem that gets reported to Chexsystems include:

• Account abuse – via debit card
• Overdrafts by multiple checks
• Using fake identification to open an account
• Fraud on the part of the account holder
• Depositing a fraudulent check
• Customers who owe the bank unpaid fees after their account is closed.

One you have been reported to Chexsystems for abusing your checking or savings account, you will find it hard to open an account at any bank that is a member of Chexsystems. This is because any bank that is a member of Chexsystems will run your name through the Chexsystems records to see if you have been reported for abusing your bank account by another bank before they will allow you to open an account with their bank.

So what do you do if you were reported to Chexsystems?

Either find a bank that does not use Chexsystems and therefore will allow you to open an account or go back to the bank that reported you and try to clear up any problems and ask them to have you name removed from Chexsystems’ records.

On this website, we list the banks and credit unions by state that still do not use Chexsystems. Although this list gets smaller and smaller as time passes, there are still banks and credit unions in most states that will let you open an account without clearing you through Chexsystems.

How long does my record stay on Chexsystems?

Unfortunately if you are reported to Chexsystems by a bank for “cause” (which basically means your account was closed because you abused your bank account), the incident will remain on your record for five years. This is a long time to go without opening a bank account.

Is Chexsystems like a credit bureau?

The difference between Chexsystems and a credit bureau is that a typical credit bureau will give your handling of credit a score – commonly known as a FICO score. This score will go up and down with time depending upon how you handle your credit. One bad incident will hurt your score, but it does not prevent you from getting credit.

On the other hand you could handle your bank account perfectly for twenty years and have one bad incident. If this incident is reported to Chexsystems, you will probably not be able to open a new bank account despite your perfect handling of your checking account privileges for many years.

This difference is why many people feel that the Chexsystems reporting practices are unfair to the consumer. But despite this fundamental flaw in reporting, consumers all across the country find that they are helpless when it comes to dealing with Chexsystems.

Banks:

None

Credit Unions:

None

We are not aware of any banks that exist in Wyoming that still open checking accounts without checking your history through ChexSystems. If you are aware that one of the banks below requires ChexSystems or you know of a bank in this state which does not use ChexSystems and it not listed below, please contact us and we will update the information

If you live in this state your options are to open an account with an internet firm. Please feel free to choose one of our recommended internet checking account sites. The list is here:  Internet Options.

Banks:

Abbotsford State Bank

First National Bank of Stoughton

Norwest Bank

TCF Bank

West Bend Savings Bank

Credit Unions:

None

If none of the banks listed above are located near you, you should consider an internet option for a checking account. Click this link to go to our list of Internet options for checking accounts – Internet options.

Banks:

Advance Financial Savings

First Citizen’s Bank

Sky Bank

Credit Unions:

None

If none of the banks listed above are located near you, you should consider an internet option for a checking account. Click this link to go to our list of Internet options for checking accounts – Internet options.

Banks:

Armed Forces Bank

Cowlitz Bank

First Mutual

HomeStreet Bank

Sterling Savings Bank

Timberland Bank

State National Bank

Credit Unions:

First Tech Credit Union

Harborstone Credit Union

Qualstar Credit Union

Seattle Telco Federal Credit Union

Washington Credit Union

Washington State Employees Credit Union

If none of the banks listed above are located near you, you should consider an internet option for a checking account. Click this link to go to our list of Internet options for checking accounts – Internet options.

Banks:

Acacia Federal Savings

Albemarle First Bank

Armed Forces Bank

Acacia Federal Savings Bank

First Citizens Bank

RBC Centura

SunTrust Bank

Wachovia Corporation

Credit Unions:

Atlantic Financial Federal Credit Union

Navy Federal Credit Union

If none of the banks listed above are located near you, you should consider an internet option for a checking account. Click this link to go to our list of Internet options for checking accounts – Internet options.

Banks:

None

Credit Unions:

None

We are not aware of any banks that exist in Vermont that still open checking accounts without checking your history through ChexSystems. If you are aware that one of the banks below requires ChexSystems or you know of a bank in this state which does not use ChexSystems and it not listed below, please contact us and we will update the information

If you live in this state your options are to open an account with an internet firm. Please feel free to choose one of our recommended internet checking account sites. The list is here:  Internet Options.

Banks:

The Associates Capital Bank

The Bank of Ephraim

Credit Unions:

Alliance Credit Union

Alpine Credit Union

Cyprus Credit Union

Davis Schools Credit Union

Family First Credit Union

Garfield Credit Union

Grantsville Federal Credit Union

Jordan Credit Union

Mountain America Credit Union

Southern Utah Federal Credit Union

The Metro West Credit Union

The Trans West Credit Union

If none of the banks listed above are located near you, you should consider an internet option for a checking account. Click this link to go to our list of Internet options for checking accounts – Internet options.

Banks:

Abrams Centre National Bank

Armed Forces Bank

Bank of Houston

Bank United

BOK Financial

Chase Bank of Texas

Colonial Bank

Compass Bank

First Convenience Bank

First National Bank of Texas

Fort Sill National Bank

Frost Bank

MetroBank

National American Bank

Southwest Bank of Texas

SouthTrust Bank

TexasBank

Union Planters Bank

USAA Federal Savings

Woodcreek Bank

Credit Unions:

Austin Telco Federal Credit Union

Dallas Teachers Credit Union

Dupont Beaumont Federal Credit Union

Navy Federal Credit Union

San Antonio Teachers Credit Union

If none of the banks listed above are located near you, you should consider an internet option for a checking account. Click this link to go to our list of Internet options for checking accounts – Internet options.

Banks:

Colonial Bank

First Tennessee National Bank

RBC Centura

SouthTrust Bank

Trustmark National

Union Planters Bank

Credit Unions:

Navy Federal Credit Union

If none of the banks listed above are located near you, you should consider an internet option for a checking account. Click this link to go to our list of Internet options for checking accounts – Internet options.