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

  • Republic Bank & Trust Company
    Form of Verification:


    Special Notes

    A special electronic transaction account with no minimum balance for clients with no more than 4 ChexSystems records.

    Fresh Start

    No minimum balance

    Free Republic STAR/Presto ATM transactions

    $2 ATM Transaction at any non-Republic/Presto ATM

    $50 minimum opening deposit

    Access the account with your CheckCard (make withdrawals at Star/PLUS/Presto ATMs; make purchases at retailers).

    Free Internet Banking (not eligible for Bill Pay)

    $10 Account setup fee

    $12.95 Monthly fee with direct deposit; $19.95 Monthly fee without direct deposit

    Honor Plus Account

    Rebuild your banking privileges with Republic Bank's Honor Plus Account. The Honor Plus Account is a no minimum balance account, with a Republic Bank CheckCard and unlimited check writing.

    No minimum balance

    Unlimited CheckCard transactions

    Free Republic Bank Star/Presto ATM transactions

    Free Internet banking

    Unlimited automatic payments to pay your monthly bills

    Eligible for Internet Bill Pay

    Eligible to open savings product

    Unlimited check writing

    Email from Bank:

    Yes, even if you have reports on Chex Systems you would still be eligible for either our Honor Plus or our Fresh Start accounts. You are eligible for Honor Plus if you have two or less reports on Chex Systems and at least one must be paid. You would be eligible for Fresh Start no matter the number of reports you have on Chex Systems. The main difference between the two accounts is the Fresh Start does not have check writing privileges. These are both available on our website or in any Banking Center.

    Types of Accounts Offered:

    Second chance checking

    Learn more about Republic Bank & Trust Company
  • Dollar Bank
    Special Notes

    -It has been reported that as long as your Chexsystems report is paid and does not indicate fraud that they will open an account for you. It has now been reported to me by a few other people that Dollar bank is allowing those on chexsystems to get accounts There are still some that are denied ..I believe the severity of the account may be a factor.

    Email from Bank:

    I would suggest that you apply for an account and we can then verify the reason you are in chexsystems and determine whether or not we can open the account.

    Types of Accounts Offered:

    Personal checking, savings and business accounts

    Learn more about Dollar Bank
  • First Federal Savings and Loan Association
    Form of Verification:


    Email from Bank:

    When any new account is opened we always run an inquiry with telecheck.

    Types of Accounts Offered:

    Personal checking and savings

    Learn more about First Federal Savings and Loan Association
  • The First Central National Bank of St. Paris
    Special Notes

    -they do not use chexsystems at all.

    -must wait 30 days before a debit card is approved.

    -must not have more than 2 returns on the account if you are an existing account holder

    Types of Accounts Offered:

    Personal checking, savings and business accounts

    Learn more about The First Central National Bank of St. Paris
  • Greenville National Bank
    Form of Verification:

    Credit report and ID

    Special Notes

    They do not use chexsystems or anything else

    Email from Bank:

    They may pull a credit report for verification. Also, we require a current photo ID or two forms of non-photo identification at account opening for identifying and verifying the customer information.

    Types of Accounts Offered:

    Personal checking, savings, and business accounts

    Learn more about Greenville National Bank