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 for a second chance bank account.
You can open this account with as little as $25 for your initial deposit.
Why is it recommended for you?
Right now, a free checking account at BBVA is the only trusted option for customers looking for a Second Chance Checking account with high approval rate and excellent features and conditions. Use this opportunity to rebuild your credit while having a bank account with no restrictions.
- Relaxed account opening requirements
- Free ATM withdrawals on BBVA ATMs
- Online and mobile banking facilities included
- Customizable banking alerts
- No hidden fees or ATM charges
- Online & mobile banking facilities included
- Customizable banking alerts
- Available nationwide (except Alaska and Hawaii)
- Member FDIC
You can open this account with as little as $25 for your initial deposit
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.
Alliance Credit Union FreshStart Checking
Bank of Kansas City Opportunity Checking
Central Bank of the Midwest Fresh Start Checking
Columbia Credit Union Fresh Start Checking
Electro Savings Credit Union Fresh Start Checking
First State Community Bank New Opportunity Checking
Focus Bank Fresh Start Checking
Health Care Family Credit Union Fresh Start Checking
Missouri Credit Union Smart Start Checking
Montgomery Bank Montgomery New Start Checking
National Bank of Kansas City Fresh Start Checking
St. Johns Bank & Trust Fresh Start Checking
St. Louis Community Credit Union Second Chance Checking
Town & Country Bank Opportunity Checking
United Consumers Credit Union Second Chance Checking
United Credit Union Second Chance Checking
Vantage Credit Union Fresh Start Checking
Wood & Huston Bank StartFresh Checking
Alliance Credit Union FreshStart Checking
Bank of Kansas City Opportunity Checking
Central Bank of the Midwest Fresh Start Checking
Columbia Credit Union Fresh Start Checking
Electro Savings Credit Union Fresh Start Checking
First State Community Bank New Opportunity Checking
Focus Bank Fresh Start Checking
Health Care Family Credit Union Fresh Start Checking
Missouri Credit Union Smart Start Checking
Montgomery Bank Montgomery New Start Checking
National Bank of Kansas City Fresh Start Checking
St. Johns Bank & Trust Fresh Start Checking
St. Louis Community Credit Union Second Chance Checking
Town & Country Bank Opportunity Checking
United Consumers Credit Union Second Chance Checking
United Credit Union Second Chance Checking
Vantage Credit Union Fresh Start Checking
Wood & Huston Bank StartFresh Checking
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 BankCommunity Bank and Trust
Form of Verification:
ID
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 TrustFirst 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 BankThe Seymour Bank
Form of Verification:
TeleCheck
Types of Accounts Offered:
Personal checking and savings
Learn more about
The Seymour BankU.S. Bank
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.
Types of Accounts Offered:
Personal checking, savings and business accounts
Learn more about
U.S. BankCentury Credit Union
Form of Verification:
Telecheck
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
