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

See editor's choice

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 Arkansas 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

BBVA is one of the most well-known banks for Arkansas 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 Arkansas 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.

Renasant Bank

Special Notes:

This bank is not located in this state but many have went to nearby states to get an account.

Email from Bank:

Thank you for your inquiry. If you have no outstanding balance at Renasant Bank, you can open an account.

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

Learn more about Renasant Bank

U.S. Bank

Special Notes:


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

Learn more about U.S. Bank


Form of Verification: ChexSystems

Special Notes:

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

Email from Bank:

Hello, hope you’re doing well today. Yes, we do run ChexSystems on all customers new to our bank. If there are any unpaid closures on ChexSystems when we are opening a new account, those unpaid closures at the other bank have to be paid off before we can open any new accounts at FNBC.

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

Learn more about FNBC Bank

Southern Bancorp Bank

Form of Verification: ID and social security card

Special Notes:

Do you utilize ChexSystems at all by chance? No, we do not.

Email from Bank:

I called and verified that they do not use ChexSystems or any type of credit report.. they only need a valid ID and social security card.

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

Learn more about Southern Bancorp Bank

Hope Federal Credit Union

Form of Verification: ChexSystems

Special Notes:

They do use ChexSystems but you can still get an account once you become a member. They do offer an account called Easy Checking for those reported to ChexSystems and those with a credit score of less than 600.

$9.95 a month if the balance of 200.00 is not maintained.

FREE if balance of $200.00 is maintained.

Types of Accounts Offered: Second chance checking (paperless checking)

Learn more about Hope Federal Credit Union

Diamond Bank

Form of Verification: ChexSystems

Special Notes:

They do offer second chance checking and there is a $10.00 a month service charge.

A checking account for people who are trying to start over after past mistakes.

  • Minimum opening deposit only $100.00
  • No minimum monthly balance requirement
  • Unlimited check-writing
  • Free ATM/Mastercard debit card
  • Free internet banking
  • Free bill pay for up to 15 items
  • Monthly service charge $10, $8 with direct deposit.

Types of Accounts Offered: Second chance checking

Learn more about Diamond Bank

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

ArkansasMassachusettsRhode Island
CaliforniaMichiganSouth Carolina
ColoradoMinnesotaSouth Dakota
District of ColumbiaMontanaUtah
HawaiiNew HampshireWashington
IdahoNew JerseyWest Virginia
IllinoisNew MexicoWisconsin
IndianaNew YorkWyoming
IowaNorth Carolina
KansasNorth Dakota