The Best Banks & Credit Unions in Missouri 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 Missouri 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 Missouri 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 Missouri 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.

  • 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 for personal and business accounts

    Learn more about Woodforest National Bank
  • Community Bank and Trust
    Form of Verification:


    Email from Bank:

    We do not look at check systems or any other program like that when opening an account. If you were to open your account online with us then it will pull information from your credit report to be able to ask questions to verify your identity. It wouldn’t matter what your score is or anything that’s on there is simply just uses it to verify that you are who you say you are.

    Types of Accounts Offered:

    Personal checking, savings and business accounts

    Learn more about Community Bank and Trust
  • First National Bank
    Form of Verification:

    ID and SScard

    Email from Bank:

    We do not use chexsystems or a credit report to open a new account. However we do require a valid picture ID and social security card.

    Types of Accounts Offered:

    Personal checking, savings and business accounts

    Learn more about First National Bank
  • The Seymour Bank
    Form of Verification:


    Types of Accounts Offered:

    Personal checking and savings

    Learn more about The Seymour Bank
  • U.S. Bank
    Form of Verification:


    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 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.

    Types of Accounts Offered:

    Personal checking, savings and business accounts

    Learn more about U.S. Bank
  • Century Credit Union
    Form of Verification:


    Special Notes

    Yes, we offer simple business accounts. Basically, it is just like a personal account except we open it under the business name, we would need a tax I.D.# and your name would be the joint owner of the account.

    Email from Bank:

    At Century Credit Union we use Telecheck as our approval system for new accounts. If we obtain an approval from Telecheck then we open the checking account. If an approval is not available then we would offer to open a savings account only. We will only run your credit report when you apply for a loan thru us.

    Types of Accounts Offered:

    Personal checking, savings and business accounts

    Learn more about Century Credit Union