The Best Banks & Credit Unions in Massachusetts 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 Massachusetts 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

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

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

Mutual Bank

Form of Verification: ID

Email from Bank:

In response to your inquiry, Mutual Bank does not use ChexSystems or pull a credit report when opening a new checking or savings account. All that we require is a current state issued ID to open a new account.

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

Learn more about Mutual Bank

First Citizens' Federal Credit Union

Form of Verification: ChexSystems

Special Notes:

As long as the debt is paid and the report does not show fraud, they will open an account.

Email from Bank:

Yes, as long as it is paid we will open an account for you.

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

Learn more about First Citizens' Federal Credit Union

Rockland Trust

Form of Verification: ChexSystems

Special Notes:

As long as the debt is paid and the report does not show fraud, they will open an account.

Email from Bank:

You may apply for a Rockland Trust checking/savings account at any time. If you have proof of payment you may want to bring it with you when you apply for your account. At the time of the account opening we will run your information through ChexSystems again and should see that the debt has been paid.

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

Learn more about Rockland Trust

Millbury Savings Bank

Form of Verification: ID

Email from Bank:

We do not use either of those systems. However, we do use a separate system for ID verification. We use a system called Holmes Information Systems. We use it to enter a SS# and it verifies the names and addresses for that social. It is not a credit check.

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

Learn more about Millbury Savings Bank

Rollstone Bank & Trust

Form of Verification: ID

Special Notes:

They do not use ChexSystems or a credit report.

Email from Bank:

We do not use ChexSystems or a credit report.

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

Learn more about Rollstone Bank & Trust

Cambridge Savings Bank

Form of Verification: Telecheck and a credit report

Email from Bank:

In response to your inquiry, we will run a credit report, and possibly use TeleCheck, as well, when opening a new checking or savings account.

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

Learn more about Cambridge Savings Bank

Greylock Federal Credit Union

Form of Verification: Not ChexSystems

Email from Bank:

When opening a new account at Greylock we do not pull a Credit Report unless you are applying for a loan. However, we do run your information through a database to verify name, address, Social Security number before opening a new membership.

Types of Accounts Offered: Personal checking and savings accounts

Learn more about Greylock Federal Credit Union

Webster Bank

Form of Verification: ChexSystems

Special Notes:

Second chance checking… they have an account and it comes with a VISA debit card.

It cost $16.95 a month or $11.95 with Direct deposit.

Types of Accounts Offered: Second chance checking

Learn more about Webster Bank

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