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 Oregon 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.
BBVA is one of the most well-known banks for Oregon residents that are looking to avoid ChexSystems verification (BBVA bank uses Early Warning Services to screen new applicants).
You can open this account with as little as $25 for your initial deposit.
Features and Benefits
- Bad credit OK
- Relaxed account opening requirements
- Free ATM withdrawals on BBVA ATMs
- Online and mobile banking facilities included
- Customizable banking alerts
- Available nationwide (except Alaska and Hawaii)
- Member FDIC
Right now, a free checking account at BBVA is the only trusted option for customers listed in 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.
Local Banking Options
Following is the web's most comprehensive list of banks and credit unions in Oregon 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.
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.
Oregon Community Credit Union
Form of Verification: Credit report
Email from Bank:
We do not run chexsystems or telecheck, however we do pull your credit when opening a new membership. We do take on new members on a case by case basis. There is not a specific credit range which you are required to be in to become a member, but we may take your credit history into consideration when determining if we would be able to open new accounts.
Types of Accounts Offered: Personal checking, savings and business accountsLearn more about Oregon Community Credit Union
NW Preferred Federal Credit Union
Form of Verification: Credit report, patriot guard and telecheck
Email from Bank:
We use telecheck, a credit report, and patriot guard
Types of Accounts Offered: Personal checking, savings and business accountsLearn more about NW Preferred Federal Credit Union
Pacific NW Federal Credit Union
Form of Verification: Chexsystems
If you are on chexsystems you can still get an account they then base it on a credit report see email below
Email from Bank:
Yes/no.....it is then based on your credit score. We do have a new Checking Account type - CheckRight - $10 monthly service charge. It is marked for those wishing to rebuild their credit.
Types of Accounts Offered: Second chance checkingLearn more about Pacific NW Federal Credit Union