The Best Banks & Credit Unions in Oregon 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 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.

Your Top Pick

BBVA Online Checking

BBVA is one of the most well-known banks for Oregon 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 Available nationwide (except Alaska and Hawaii) Member FDIC

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.

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.

Bank of the WestFresh Start
Go BankMobile Banking
GTE FinancialGo Further Checking
Navy Federal Credit UnionFree eChecking
Peoples Cash SolutionsSecond Chance Checking
Point West Credit UnionFresh Start Checking
Radius BankEssential Checking
SoFi MoneyCash Management Account
US BankSafe Debit Account
Varo BankOnline Bank Account
Washington Savings BankOnline Rewards Checking
Bank of the WestFresh Start
Go BankMobile Banking
GTE FinancialGo Further Checking
Navy Federal Credit UnionFree eChecking
Peoples Cash SolutionsSecond Chance Checking
Point West Credit UnionFresh Start Checking
Radius BankEssential Checking
SoFi MoneyCash Management Account
US BankSafe Debit Account
Varo BankOnline Bank Account
Washington Savings BankOnline Rewards Checking
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 accounts

Learn more about Oregon Community 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 accounts

Learn more about NW Preferred Federal Credit Union
Form of Verification:

Chexsystems

Special Notes

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 checking

Learn more about Pacific NW Federal Credit Union
Daniel Weiss
Daniel Weiss July 25, 2020
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