The Best Banks & Credit Unions in Maryland 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 Maryland 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 is one of the most well-known banks for Maryland 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

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

Open a BBVA Account Now!

Local Banking Options

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

  • United Bank
    Special Notes

    I have called many many locations in several different states and they are indicating to me that they do NOT use ChexSystems and they do not run a credit report at all. I was not buying it at first so I kept calling more and more locations and I finally talked to a manager that told me how they were using ChexSystems in the past but they no longer do. He said all you need is

    • 2 IDs
    • SS card
    • Something that reflect a current address if ID is not correct
    Types of Accounts Offered:

    Personal checking, savings and business checking accounts

    Learn more about United Bank
  • Municipal Employees Credit Union of Baltimore
    Form of Verification:


    Email from Bank:

    You can open a Savings account but you would need to provide proof of payment before a Checking account is opened.

    Types of Accounts Offered:

    Savings, possibly checking

    Learn more about Municipal Employees Credit Union of Baltimore
  • Woodforest National Bank
    Form of Verification:

    ChexSystems and TeleCheck

    Special Notes

    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.

    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
  • Pentagon Federal Credit Union
    Form of Verification:

    Credit report

    Special Notes

    Anyone can open a savings account once they become a member but checking accounts are based on your credit report. They are known to be very picky about credit. Most are denied the checking account at this credit union and are only approved for the savings.

    Email from Bank:

    We will pull a copy of your credit report when you apply to open an account.

    Types of Accounts Offered:

    Personal checking and savings

    Learn more about Pentagon Federal Credit Union
  • Greenbelt Federal Credit Union
    Form of Verification:


    Email from Bank:

    We use TeleCheck when opening a checking account.

    Types of Accounts Offered:

    Personal savings and checking accounts

    Learn more about Greenbelt Federal Credit Union