The Best Banks & Credit Unions in New Hampshire 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 New Hampshire 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 New Hampshire 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 New Hampshire 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.

  • Granite State Credit Union
    Form of Verification:

    ChexSystems

    Special Notes

    Should only have one bank reporting, not show fraud and be paid in full.

    Email from Bank:

    As long as it comes up that it is paid in full and reporting no other losses then you should be all set however we will need to review all of your information to be sure. We would do all of this at the time you come in to open the account.

    Types of Accounts Offered:

    Personal checking, savings and business accounts

    Learn more about Granite State Credit Union
  • Bellwether Community Credit Union
    Form of Verification:

    ChexSystems

    Special Notes

    If your ChexSystems report does not indicate fraud, and there are only one or two reports that show as paid, you can get an account here.

    Email from Bank:

    If we have proof that, that particular bank has been paid and that there is not a balance left then yes we can open a checking account.

    Types of Accounts Offered:

    Personal checking and savings accounts

    Learn more about Bellwether Community Credit Union
  • Cheshire County Federal Credit Union
    Form of Verification:

    ChexSystems

    Special Notes

    ChexSystems report should not indicated fraud, it should be paid and there should only be 1 or 2 accounts for best results.

    Email from Bank:

    As long as ChexSystems states that you have paid in full or you have a written receipt showing that, yes you can get an account.

    Types of Accounts Offered:

    Personal checking and savings account

    Learn more about Cheshire County Federal Credit Union
  • Triangle Credit Union
    Form of Verification:

    ChexSystems

    Special Notes

    They use E-funds (ChexSystems) but if it is paid in full and does not indicate fraud you can get an account.

    Email from Bank:

    When you open a membership with us we do E-Funds and Credit Report. If there are any unpaid debits that E-funds shows they would have to be paid prior to opening an account with us.

    Types of Accounts Offered:

    Personal checking, savings and business accounts

    Learn more about Triangle 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
  • Members First Credit Union
    Form of Verification:

    ChexSystems

    Special Notes

    Report must not indicate fraud and must be paid.

    Email from Bank:

    We would need a letter from the reporting bank stating that all your accounts are in good standing or have been paid. Once we receive that and verify that you are within eligibility requirements, we would be able to open an account.

    Types of Accounts Offered:

    Personal checking and savings accounts

    Learn more about Members First Credit Union