The Best Banks & Credit Unions in Arizona 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 Arizona 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.

Your Top Pick

BBVA Free Checking

BBVA is one of the most well-known banks for Arizona residents that are looking to avoid ChexSystems verification (BBVA bank uses Early Warning Services to screen new applicants). Their free checking account offers some of the most extensive features and all it takes is a $25 account opening fee to get started.

Why is it recommended for you?

Right now, a free checking account at BBVA is the only trusted option for anyone listed on 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.

ChexSystems OK No monthly Service Charge No monthly account balance minimums Relaxed account opening requirements Free ATM withdrawals on BBVA ATMs Online & mobile banking facilities included Customizable banking alerts Member FDIC

Local Banking Options

Following is the web's most comprehensive list of banks and credit unions in Arizona 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

Another note to add is that it's a good idea to get your free annual report and try to dispute ChexSystems.

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.

Form of Verification:

ChexSystems

Special Notes

I actually called the 1800 number and they told me that as long as you don't owe TCF any money, anybody can open an account.

DO NOT APPLY FOR THIS ACCOUNT IF YOU HAVE BEEN REPORTED TO EWS, THE ACCOUNT MAY BE OPENED BUT WILL LATER BE CLOSED.

Email from Bank:

I went to the Tempe Marketplace Branch and the girl was really friendly and knowledgable.

-------------------------------- YES! TCF Bank in AZ, I was able to open the account, just received my checks and ATM card in the mail. I was able to open the account online with only 25.00 to start. Now my paychecks should startdirect depositing in the next week or so. Thank you sooo much for the help.

Types of Accounts Offered:

Personal checking, savings and business checking

Learn more about TCF National Bank
Form of Verification:

ChexSystems

Special Notes

If you have a record on ChexSystems due to an unpaid closure or NSF activity, Canyon State Credit Union may be able to help!

  • you must complete an online course called inbalance
  • there is a monthly fee for this account of $10.00 you can only have 1 unpaid charge off on the ChexSystems report
Email from Bank:

Thank you for contacting Canyon State Credit Union. In regards to our new accounts we do use Chex Systems. If you were reported to Chex Systems you might still be able to open a savings account with us and we also offer second chance checking if you have only one unpaid closure. 10.00 monthly fee.

Types of Accounts Offered:

Second chance checking

Learn more about Canyon State Credit Union
Form of Verification:

ChexSystems

Email from Bank:

Yes, we can open a Mission checking account. This type of account is offered to member with a record showing on ChexSystems even if any amounts owed are paid. We charge a fee of $20.00 for six months. After that, if the account has been in good standing we will convert to a regular checking.

Types of Accounts Offered:

Second chance checking

Learn more about Tucson Old Pueblo Credit Union
Form of Verification:

ChexSystems

Special Notes
  • No minimum balance
  • Free Online Banking
  • Free Visa Check Card
  • Direct Deposit
  • After 12 months of successfully maintaining your Second Chance Checking Account, you will be automatically upgraded to a TFCU Free Classic Checking Account.

You will also qualify for a $500 Classic Visa credit card. Second Chance Checking offers you the opportunity to take your first step towards financial freedom.

In order to sign up for a Second Chance Checking Account you must:

  • Be at least 18 years of age
  • Have no past fraud activity or balances owing on ChexSystems, Inc.
  • Have no balance due to a TFCU charge-off Have no current delinquency with TFCU
Email from Bank:

To open a Savings account we will not pull a credit score or check with ChexSystems. We only pull a credit report for a checking account, and if you want to apply for a ATM card for the Savings account. For a Checking account we will check with ChexSystems and pull a Credit Report to verify a credit score of at least 550 for a regular checking, or below 550 for a Second Chance Checking.

Types of Accounts Offered:

Second chance checking

Learn more about Tucson Federal Credit Union
Form of Verification:

ChexSystems

Special Notes

For best results debt to reporting bank(s) should be paid and not indicate fraud.

Email from Bank:

As long as the item is paid in full and you live, work or worship in Coconino County you are eligible to open an account.

Types of Accounts Offered:

Personal checking and savings

Learn more about Coconino Federal Credit Union
Form of Verification:

ChexSystems

Special Notes

THEY OFFER SECOND CHANCE CHECKING AS LONG AS ALL DEBT HAS BEEN PAID.

Types of Accounts Offered:

Second chance checking

Learn more about Hughes Federal Credit Union
Form of Verification:

ChexSystems

Special Notes

It has been reported that if your report is 21/2 yrs or older, they will not even see it. If this is your situation you can apply online, if not, you would need to visit an “in store” branch.

Most US banks “in store” branches are giving accounts to most people on ChexSystems. These are regular accounts, not 2nd chance checking...as long as you do NOT owe US Bank money and you are not reported on your ChexSystems report for any kind of "fraudulent activity"

There are some branches that are still not using this policy so it might be a good idea to call a branch local to you and ask about their policy first before going in.

Some “in store” branches have signs that actually says “ChexSystems? no problem!”… yet others will not open accounts at all. People are approved everyday.

Some branches do offer 2nd chance checking and some have been able to open business accounts when all debt to reporting bank(s) are paid and fraud is not indicated.

Types of Accounts Offered:

Personal checking, savings and business accounts

Learn more about U.S. Bank
Special Notes

I asked if they use ChexSystems, TeleCheck, EWS, or a credit report. (see email).

Email from Bank:

We don't use any of those places.

Types of Accounts Offered:

Personal checking and savings accounts

Learn more about Cochise Credit Union
Form of Verification:

Chexsystems and a credit report

Special Notes

Are you finding it difficult to get approved for a checking account?

At TruWest, we understand that sometimes life is not perfect and we want to help you make a fresh start. We have options for everyone — even if you have been turned down for checking accounts in the past. With TruWest’s Opportunity Checking, you’ll enjoy features such as:

  • Unlimited check writing
  • No per-check charges
  • Low monthly service fee
  • Free Online Banking
  • ATM Cash Card or Reloadable Prepaid Debit Card (with Visa® logo) In addition, you can apply for other TruWest checking accounts after 12 months or six months by completing a free Checking Account Management education course.
Email from Bank:

Thank you for your inquiry. When someone applies for a new membership or checking account we pull ChexSystems and qualify the applicant based of of the information supplied by ChexSystems.

We do also pull credit, but it is not used to qualify for membership. If there is any concern with your ChexSystems report, we do offer our Opportunity Checking account which

allows people who have had issues in the past to establish a checking account.

Your ChexSystems entry has to be less than $500 and over a year old to be approved for the Opportunity checking.

Types of Accounts Offered:

Savings and second chance checking

Learn more about Truwest Credit Union
Form of Verification:

ChexSystems

Special Notes

The manager told me its called "Fresh Start".

Your last entry into ChexSystems must be older than one year.

Cannot say Fraud.

$10 a month.

Types of Accounts Offered:

Second chance checking

Learn more about Bank of the West
Form of Verification:

Credit report

Email from Bank:

We use Experian

Types of Accounts Offered:

Personal checking and savings accounts

Learn more about Altier Credit Union
Form of Verification:

Deluxe Detect

Special Notes

YOU MUST apply for an account in person if you apply online they use ChexSystems.

Email from Bank:

We use both operating systems when opening accounts. If you apply for an account through our online database “ChexSystems” will be used. However, if your request is processed over the phone or at a branch we use a service called “DeluxeDetect”.

Types of Accounts Offered:

Personal checking, savings and business accounts

Learn more about Arizona State Credit Union
Form of Verification:

ChexSystems

Special Notes

It has been reported that as long as your report is a year or older, they will open an account. Fraud should not be indicated on the report for the best results and preferably:

  1. only one reporting bank
  2. debt to reporting bank is paid
  3. best to open the account over the phone
Email from Bank:

Thank you for your inquiry. If your ChexSystems record is more than a year old than it will be considered, but it is still not guaranteed that an account would be opened. The best thing to do would be to come in to a branch location, sit down and talk with a Personal Banker, and have them pull the ChexSystems report. You can discuss with them at that time, the items that mat appear on that report and whether or not the account could be opened, or what your options are.

Great Western branch which I live right next to said their threshold is 1 year; that is, any reported information older than 1 year will not be a bar against opening an account. And they run it over the phone instead of online because, according to them, phone inquiries are more accurate and current. Because I'm clear and they ran it over the phone, I was good to go! Running via computer usually gets me declined, even though I'm clear.

Types of Accounts Offered:

Personal checking, savings and business accounts

Learn more about Great Western Bank
Form of Verification:

Credit report

Special Notes

I also called to verify and no they do not run ChexSystem but she wasn't sure if they ran Experian or TransUnion.

Email from Bank:

Thank you for inquiring about our accounts. Yes, we do run a credit report when you open a checking account and to open a savings account we do not.

Types of Accounts Offered:

Personal checking, savings and business accounts

Learn more about Western State Bank
Form of Verification:

ChexSystems

Special Notes

They will allow anyone reported to ChexSystems to open a SAVINGS ONLY and after 1 year, you can open a checking.

Types of Accounts Offered:

Personal checking and savings accounts

Learn more about SunWest Federal Credit Union
Daniel Weiss
Daniel Weiss July 25, 2020
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