The Best Banks & Credit Unions in Pennsylvania 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 Pennsylvania 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.

Editor's Choice

BBVA Online Checking

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You could get a $200 bonus by opening an Online Checking account and receiving a qualifying direct deposit of $500+ by October 31, 2020.

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BBVA is one of the most well-known banks for Pennsylvania 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

Recommended For:

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 Pennsylvania 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

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.

Univest

Form of Verification: Telecheck, they do NOT use chexsystems

Special Notes:

DOES NOT USE CHEXSYSTEMS

They also have second chance checking for those reported to Telecheck.

You can mail deposits in to be processed. Univest participates in the AllPoint Network which is a surcharge free ATM system.

Email from Bank:

To verify information provided when opening a new account Univest utilizes TeleCheck and Equifax.

Types of Accounts Offered: Personal checking, savings and business accounts.

Dollar Bank

Form of Verification: Chexsystems

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

Greater Pittsburgh Federal Credit Union

Email from Bank:

We use credit reports and coast to coast services.

Types of Accounts Offered: Personal checking and savings

Learn more about Greater Pittsburgh Federal Credit Union

1st Summit Bank

Form of Verification: Credit report

Special Notes:

Email from person that got an account: I was able to open an account at 1st Summit bank.

Email from Bank:

We are not a part of Chexsystems. We use credit reports. 1ST SUMMIT BANK will make a decision on an individual basis. A credit score does not always tell the whole story

Types of Accounts Offered: Personal checking, savings and business accounts

Learn more about 1st Summit Bank

Cornerstone Federal Credit Union

Form of Verification: Credit report

Special Notes:

Person that got an account: I ended up getting an account with cornerstone federal credit union, they give you a second chance. They just limit how much you can take out of the atm machine until you have had the account 3 months but so far so good.

Email from Bank:

We look at your credit report for identity verification. We do not verify your checking accounts with other financial institutions with any of the check verification system. Your limit on your debit card would be based on your credit report.

Types of Accounts Offered: Personal checking and savings

Learn more about Cornerstone Federal Credit Union

Banks and Credit Unions That Don't Use ChexSystems by State

AlabamaLouisianaOklahoma
AlaskaMaineOregon
ArizonaMarylandPennsylvania
ArkansasMassachusettsRhode Island
CaliforniaMichiganSouth Carolina
ColoradoMinnesotaSouth Dakota
ConnecticutMississippiTennessee
DelawareMissouriTexas
District of ColumbiaMontanaUtah
FloridaNebraskaVermont
GeorgiaNevadaVirginia
HawaiiNew HampshireWashington
IdahoNew JerseyWest Virginia
IllinoisNew MexicoWisconsin
IndianaNew YorkWyoming
IowaNorth Carolina
KansasNorth Dakota
KentuckyOhio