The Best Banks & Credit Unions in North Carolina That Offer Second Chance Bank Accounts

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 North Carolina 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 North Carolina 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

Open a BBVA Account Now!

Local Banking Options

Following is the web's most comprehensive list of banks and credit unions in North Carolina 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 Federal Credit UnionSecond Chance Checking
American Partners Federal Credit UnionEZ 4U ATM Only Checking
Ameris BankFree Checking
Bank OZKPathway Checking
Charlotte Metro Federal Credit UnionFresh Start Checking
Corporate America Family Credit UnionFresh Start Checking
Fifth Third BankExpress Banking
FSNB (Fort Sill National Bank)Basic Checking
Go BankMobile Banking
GTE FinancialGo Further Checking
Navy Federal Credit UnionFree eChecking
Peoples Cash SolutionsSecond Chance Checking
Radius BankEssential Checking
SoFi MoneyCash Management Account
Varo BankOnline Bank Account
Washington Savings BankOnline Rewards Checking
Alliance Federal Credit UnionSecond Chance Checking
American Partners Federal Credit UnionEZ 4U ATM Only Checking
Ameris BankFree Checking
Bank OZKPathway Checking
Charlotte Metro Federal Credit UnionFresh Start Checking
Corporate America Family Credit UnionFresh Start Checking
Fifth Third BankExpress Banking
FSNB (Fort Sill National Bank)Basic Checking
Go BankMobile Banking
GTE FinancialGo Further Checking
Navy Federal Credit UnionFree eChecking
Peoples Cash SolutionsSecond Chance Checking
Radius BankEssential Checking
SoFi MoneyCash Management Account
Varo BankOnline Bank Account
Washington Savings BankOnline Rewards Checking
  • FSNB
    Form of Verification:

    Credit report and ID

    Special Notes

    You DO NOT have to be military to get an account.

    FSNB is now open to anyone regardless of being in their location. Take advantage of this while you can. It may not last. ** FSNB now uses a credit report and many people have been turned down due to credit issues ** They do not use ChexSystems or TeleCheck …most people are still being approved.

    FSNB charges $1 fee for not using one of their ATM's, plus any 'foreign' ATMs.

    You have to call them and ask for new accounts, telling them that you wish to open a new checking account ..an application will be mailed out to you.

    Types of Accounts Offered:

    Personal checking and savings

    Learn more about FSNB
  • Fort Financial Federal Credit Union
    Form of Verification:

    Acquire

    Special Notes

    Email from person that got an account:

    Hello, I did receive your list of non-ChexSystems banks and credit unions; and I am happy to say that I got BOTH a savings and checking account on yesterday from Fort Financial Credit Union, in Gastonia, NC...absolutely no problems...was in and out in 10 mins....Thank you VERY much.

    Email from Bank:

    We verify through Acquire, which is a form of a credit bureau.

    Types of Accounts Offered:

    Personal checking and savings

    Learn more about Fort Financial Federal Credit Union
  • Champion Credit Union
    Form of Verification:

    TeleCheck

    Email from Bank:

    The Credit Union currently uses TeleCheck.

    Types of Accounts Offered:

    Personal checking, savings and business accounts

    Learn more about Champion Credit Union
  • Farmers & Merchants Bank
    Form of Verification:

    TeleCheck

    Email from Bank:

    F&M Bank utilizes the services of TeleCheck.

    Types of Accounts Offered:

    Personal checking, savings and business accounts

    Learn more about Farmers & Merchants Bank
  • Charlotte Metro Federal Credit Union
    Form of Verification:

    ChexSystems

    Special Notes

    Fresh Start Checking

    Fresh Start Checking is a non-interest account for members looking to rebuild or reestablish their banking history. If you’ve been denied a checking account at another financial institution, Fresh Start Checking may be for you.

    • Unlimited Check Writing
    • No Minimum Balance
    • Free ATM/Debit Card
    • Automatic Overdraft Protection from Share Account
    • Free Cricket® Online Banking

    Email From person that got an account: I got a fresh start checking account with Charlotte Metro Credit Union!! I applied online and got approved instantly!! I about fell out of my chair! It's been so hard not having a checking account!

    Types of Accounts Offered:

    Second chance checking

    Learn more about Charlotte Metro Federal Credit Union
  • 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. There is a 15.00 monthly fee FOR A BUSINESS ACCOUNT.

    $25.00 one time debit card processing fee.

    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
  • Bank of the West
    Form of Verification:

    ChexSystems

    Special Notes

    The manager told me its called "Fresh Start". Your last entry into ChexSystems must be older than one year. Cannot say Fraud. $10 a month.

    Types of Accounts Offered:

    Second chance checking

    Learn more about Bank of the West
  • 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
  • Roanoke Valley Savings Bank
    Form of Verification:

    ID

    Special Notes

    Anyone can open a savings account but nothing is done electronically. They do NOT offer ATM cards and they do NOT offer checking at all.

    Types of Accounts Offered:

    Savings only

  • Carter Bank & Trust
    Form of Verification:

    Credit report

    Special Notes

    I also called several locations and they told me that they do not use ChexSystems.

    Email from person that has an account:

    Carter Bank is a small bank system in North Carolina and Virginia. They do not have ATM or Debit cards, nor do they have online access to accounts. Just checking accounts with paper checks. They do not have minimum balance requirements. I have had several accounts with them for over 5 years. Great little bank, just about 20 years behind!

    Email from Bank:

    Under Federal Regulation known as the "FACT ACT" we are required to obtain a credit report prior to the opening of any account. Thanks for your interest in Carter Bank & Trust.

    Types of Accounts Offered:

    Personal checking and savings accounts

    Learn more about Carter Bank & Trust
  • Carolinas Telco Federal Credit Union
    Form of Verification:

    Credit report

    Special Notes

    They do not use ChexSystems.

    Types of Accounts Offered:

    Checking and savings accounts

    Learn more about Carolinas Telco Federal Credit Union
  • Members Credit Union
    Form of Verification:

    Credit report

    Email from Bank:

    Members Credit Union currently uses credit reports to determine approval for new accounts.

    Types of Accounts Offered:

    Personal checking and savings accounts

    Learn more about Members Credit Union