The Best Banks & Credit Unions in Alabama That Don't Use ChexSystems

ChexSystems can be a real pain to deal with when you’re trying to get a bank account opened in your name. It was established as a system to monitor and screen people who are looking to open checking and savings accounts. But the side effects of this kind system can result in you being unable to open a bank account even if you haven’t done anything shady.

Fortunately, there are still more than a couple of banks in Alabama that don’t use ChexSystems for verification. We’ll be looking at some of these banks as well as what your options look like if you get flagged by ChexSystems.

Editor's Choice

BBVA Online Checking

Exclusive Promo Available

You could get a $200 bonus by opening an Online Checking account and receiving a qualifying direct deposit of $500+ by October 31, 2020.

Increase your bonus to $250 by adding an Online Savings account and having a savings balance of at least $1000 on October 31, 2020.

Click to learn more and get your account today!

BBVA is one of the most well-known banks for Alabama residents that are looking to avoid ChexSystems verification (BBVA bank uses Early Warning Services to screen new applicants).

You can open this account with as little as $25 for your initial deposit.

Features and Benefits

  • Bad credit OK
  • Relaxed account opening requirements
  • Free ATM withdrawals on BBVA ATMs
  • Online and mobile banking facilities included
  • Customizable banking alerts
  • Available nationwide (except Alaska and Hawaii)
  • Member FDIC

Recommended For:

Right now, a free checking account at BBVA is the only trusted option for customers listed in ChexSystems or looking for a Second Chance Checking account. With a high approval rate and excellent features and conditions, this is a fantastic opportunity to get back on track and rebuild your credit.

Local Banking Options

Following is the web's most comprehensive list of banks and credit unions in Alabama that do not use ChexSystems and which may approve you for a bank account.

Please note that any unsuccessful attempt to open an account may have a negative impact on your credit history and score.

To avoid this, please check if there are any proven, top picked solutions are available in your area (listed above) or on our page with best non-ChexSystems banks and other banking alternatives.

See more: Comprehensive List of Non-ChexSystems Banks

This list also contains email responses from banks as well as applicants’ personal experiences and comments. This page is updated regularly, so please consider adding it to your bookmarks.

Renasant Bank

Form of Verification: 2 forms of ID

Special Notes:

  • they do not use ChexSystems
  • 2 forms of ID are needed
  • $50.00 deposit to open the account

Yes I did get an account actually!

Renasant Bank is the name!!

Thanks for everything!!

Email from Bank:

If you have no outstanding balance at Renasant Bank, you can open an account.

Types of Accounts Offered: Personal checking, savings, and business

Learn more about Renasant Bank

America's First Federal Credit Union

Form of Verification: Credit report and ID

Special Notes:

An E-Z Debit Plus Account is a checking account designed for members who may not qualify for a traditional E-Z checking account. This account allows you to deposit and withdraw funds electronically with a Visa® debit card or by check. You may have your paycheck directly deposited into the account, or may deposit cash, cashier's checks, money orders, government checks and income tax refunds, and approved company payroll checks. You may also transfer funds other deposit accounts using FlashTalk or EasyLink.

You are issued a Visa® debit card that allows you to withdraw funds at ATMs across the nation and at millions of location worldwide. Checks may be written each month with no “per item” fee.

Service Fees for EZ Debit Plus Account are as follows:

  • The cost of the account is $7.00 per month
  • $2.00 for each in-person cash withdrawal
  • $2.00 for each $100 purchased in traveler's checks.

There is NO charge for FlashTalk telephone account access or EasyLink online account access, cross-linked account transactions, or accessing your account at one of our ATMs or at participating merchants.

Email from Bank:

Any members can open a savings. However for checking it is based on the Equifax Credit report. A score of 600 or above is required for a free checking. If your score is below that they would offer you the Easy Debit Checking which is the same as the free regular checking other than they would charge you a $7.00 monthly fee.

Types of Accounts Offered: Personal checking and savings

Learn more about America's First Federal Credit Union

Merchants Bank

Form of Verification: TeleCheck

Special Notes:

I called and verified that they do use TeleCheck and not a credit report.

Types of Accounts Offered: Personal checking, savings and business checking

Learn more about Merchants Bank

Alabama Central Credit Union

Form of Verification: Credit report

Email from Bank:

The tellers pull credit reports on all new accounts.

Types of Accounts Offered: Personal checking and savings

Learn more about Alabama Central Credit Union

Avadian Credit Union

Form of Verification: Credit report

Special Notes:

You must have a credit score of 600 or above with an approved credit history.

Email from Bank:

Alabama Telco Credit Union uses Equifax, the credit reporting agency.

Types of Accounts Offered: Personal checking, savings and business checking

Learn more about Avadian Credit Union

Florence Federal Credit Union

Form of Verification: Credit report

Email from Bank:

We use credit reports and look at the overall credit.

Types of Accounts Offered: Personal checking and savings

Learn more about Florence Federal Credit Union

Guardian Credit Union

Form of Verification: Credit report

Special Notes:

To become a member here you have to open a share account with $25.00 it is kind of like a savings account. The $25.00 is the minimum required amount and it has to stay in the account at all times. To open a checking account we do have to have those approved through management so at that point we have to pull your credit report and they have to look over it. If the checking account is approved then it is $25.00 to open that also.

Email from Bank:

We do not run any checks for a savings account. However, we do use a credit report in the approval process for the checking account. There is not a certain credit score, but rather what is on the report that counts. The score only plays a small part in the determination of the account approval. As a rule of thumb 600-700 is a regular checking account, 500's are either checkless checking or regular, and high 400's are checkless checking or no checking.

Types of Accounts Offered: Personal checking, savings and business checking

Learn more about Guardian Credit Union

Central State Bank

Form of Verification: Credit report

Special Notes:

Your credit score needs to be at least 580 to open a checking acct and at least 540 to open a savings.

Types of Accounts Offered: Personal checking, savings and business checking

Learn more about Central State Bank

Alamerica Bank

Form of Verification: Credit report, ID

Email from Bank:

We require two forms of identification and pulling a credit report is a part of our new accounts procedure.

Types of Accounts Offered: Personal checking, savings, business checking

Learn more about Alamerica Bank

First Southern State Bank

Form of Verification: ID

Special Notes:

IT HAS BEEN REPORTED THAT THEY DO NOT USE CHEXSYSTEMS, TELECHECK OR A CREDIT REPORT.

Opening deposit $50.00.

Email from Bank:

I called and verified that they do not use anything other than proper ID.

Types of Accounts Offered: Personal checking, savings, and business checking

Learn more about First Southern State Bank

Woodforest National Bank

Form of Verification: ChexSystems and TeleCheck

Special Notes:

You must apply in person and they are very friendly to those reported to ChexSystems.

2nd Chance account is $7.95 if you have direct deposit. $9.95 if you do not.

$25.00 one time debit card processing fee There is a 15.00 monthly fee FOR A BUSINESS ACCOUNT.

However, in 6 months or less, the branch determines if you can move to a regular account or open a savings in addition to the second chance account, regular accounts, you can open immediately!

(Complimentary overdraft) requiring no credit will kick in after 30 days. It is $500 for direct deposit or $300 without it.

All deposits are available immediately ALSO! Phone and Online banking are immediate overnight and they're open 7 days! They are VERY friendly and nice to those reported to ChexSystems.

Email from Bank:

Before you can open an account with Woodforest National Bank we do run TeleCheck and ChexSystems. If you have any unpaid closures reported by a merchant or another financial institution on either one of these reports you will only qualify for our Second Chance Checking account. You will be able to open an account with us as long as we are able to properly verify your identity and you do not have an unpaid charged off account with Woodforest National Bank.

Types of Accounts Offered: Second chance checking

Learn more about Woodforest National Bank

Ameris Bank

Form of Verification: ChexSystems

Special Notes:

It has been reported by several people that you can open a checking as long as the debt to the reporting bank is paid and there is no fraud listed on the report.

Email from Bank:

Yes, you can still open up an account with us if the ChexSystems report states that everything has been paid and cleared.

Types of Accounts Offered: Personal checking, savings and business accounts

Learn more about Ameris Bank

Family Security Credit Union

Form of Verification: ChexSystems

Email from Bank:

To establish membership with us, you must first open a Primary Share (Savings) account with a minimum deposit of $25.00. This $25.00 buys you one share of the credit union and makes you a member.

Once you have opened a Primary Share account, then you may open a checking account. Your information will be processed through the ChexSystems Service. If you do not have a delinquent history with the ChexSystems Service, then you may open a no monthly fee checking account. However, if a delinquent history is listed, then we can offer you a Give Me A Break checking account. This account is designed to help members with prior checking account problems re-establish their checking account history. There is a $10.00 monthly fee for this type of checking account and extended holds will be placed on all check deposits (excluding Government issued checks and recognizable payroll checks). Members with a Give Me A Breach checking account can apply for a free checking account after 12 months in good standing (no NSF's or negative balances).

Types of Accounts Offered: Second chance checking

Learn more about Family Security Credit Union

MAX Credit Union

Form of Verification: Deluxe Detect which is a product of EWS. As long as you are clear with EWS, you can get an account.

Special Notes:

They do not use ChexSystems at all.

Email from Bank:

In order to qualify for membership with MAX, a Deluxe Detect report is reviewed. This report is very similar to the ChexSystems. It is a report reflecting your banking history. We do not request a credit report at this time.

Types of Accounts Offered: Personal savings, checking and business checking

Learn more about MAX Credit Union

Listerhill Credit Union

Form of Verification: TeleCheck and Equifax Credit Report

Email from Bank:

We do pull a credit report from Equifax when opening a new checking account but not a savings account. We are looking for outstanding balances with TeleCheck not a credit score.

Types of Accounts Offered: Personal checking, savings and business accounts

Learn more about Listerhill Credit Union

Valley State Bank

Form of Verification: Equifax Credit Report

Special Notes:

I called and verified they do not use ChexSystems but they do use an Equifax credit report.

Types of Accounts Offered: Personal checking, savings and business accounts

Learn more about Valley State Bank

Mutual Savings Credit Union

Form of Verification: ChexSystems

Special Notes:

SECOND CHANCE CHECKING

If you’re struggling to open a new checking account and Basic Checking isn’t what you need, Mutual Savings Credit Union can offer you a second chance with Second Chance Checking. This account is designed with the following free features to get you back on the checking track.

  • Home banking
  • Flashtalk
  • Online bill pay
  • Mobile banking
  • E-statements
  • Debit card

With Second Chance checking, you can enjoy the benefits of a checking account – even if you have struggled managing checking accounts in the past. There is a $100.00 opening deposit requirement for Second Chance checking plus a $16.95 monthly service fee.

Second Chance checking can receive your direct deposits and be set up for payroll deduction to automatically make your loan payments. Contact Mutual Savings to open a Second Chance checking account today.

Email from Bank:

If you are looking to open a checking account, the credit union uses ChexSystems. I don't think that they check ChexSystems if you are only opening a share/savings account.

Types of Accounts Offered: Second chance checking

Learn more about Mutual Savings Credit Union

Four Seasons Federal Credit Union

Form of Verification: ChexSystems

Special Notes:

For people having a paid charge-off or insufficient balance with us, or for people who have a record on ChexSystems, this is your second chance to have a checking account. Our Second Chance Checking Account requires no minimum balance, has no per check charge, and comes with overdraft protection! After one year with no insufficient items, the account may be upgraded to a normal account.

There is a monthly service fee on this account.

Types of Accounts Offered: Second chance checking

Learn more about Four Seasons Federal Credit Union

Union State Bank

Form of Verification: Total ID through TransUnion to verify identity

Email from Bank:

We normally do a Total ID through the credit bureau not a credit report.

Types of Accounts Offered: Personal checking, savings and business accounts

Learn more about Union State Bank

Jefferson Credit Union

Form of Verification: TeleCheck

Special Notes:

I opened a savings and checking with them 2 weeks ago. 2 forms of ID, Credit Pull from Equifax. $5.00 for savings/membership and $25.00 to open a checking account. No Chex or EWS. I hope that helps anyone.

Email from Bank:

Yes, we verify address to make sure a savings account can be opened. We also use TeleCheck for checking accounts to determine if we are able to open one for you. As long as you live, work, worship, or attend school in the surrounding counties to us, you are eligible.

Types of Accounts Offered: Personal checking and savings accounts

Learn more about Jefferson Credit Union

Banks and Credit Unions That Don't Use ChexSystems by State

AlabamaLouisianaOklahoma
AlaskaMaineOregon
ArizonaMarylandPennsylvania
ArkansasMassachusettsRhode Island
CaliforniaMichiganSouth Carolina
ColoradoMinnesotaSouth Dakota
ConnecticutMississippiTennessee
DelawareMissouriTexas
District of ColumbiaMontanaUtah
FloridaNebraskaVermont
GeorgiaNevadaVirginia
HawaiiNew HampshireWashington
IdahoNew JerseyWest Virginia
IllinoisNew MexicoWisconsin
IndianaNew YorkWyoming
IowaNorth Carolina
KansasNorth Dakota
KentuckyOhio