The Best Banks & Credit Unions in Tennessee That Don't Use ChexSystems

See editor's choice

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 Tennessee 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

BBVA is one of the most well-known banks for Tennessee 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 Tennessee 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.

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

Renasant Bank

Special Notes:

  • they do not use ChexSystems
  • 2 forms of ID are needed
  • $50.00 deposit to open the account

I did find the help - Renasant Bank in Nashville. I've had the account for two weeks now & had no issues at all. I can not thank you enough for the information and all of your hard work.

Thanks, I have opened an account with Renasant Bank which is closer to my Home here in Hendersonville TN.

This time last night I was extremely distraught over my bank situation. Tonight I am very grateful! I went to see Renasant first thing this morning and was able to open a new business and a new personal account! They were very nice, not stuffy and intimidating like many banks tend to be. I actually enjoyed the experience of talking with her for the short time I was there. I found out they are a new bank in this area and there is no doubt that I would have NEVER found them had it not been for your help and guidance. You are doing a wonderful thing by dedicating your time to this work. What a blessing you are to me. Thank you so very very much. God bless you! I will be sending you something once I receive my debit cards and checks in the mail. If there is ever anything that you need in the Nashville,TN area, let me know and I will do whatever I can to help. Thank you again! Jacqueline.

Renasant Bank was the one that worked for me.. they were great.. got a checking account with a debit card. Probably the nicest treatment I've ever received at a banking institution. I would highly recommend them to anyone, good credit or bad. Sally.

Email from Bank:

Thank you for your inquiry. If you have no outstanding balance at Renasant Bank, you can open an account.

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

Learn more about Renasant Bank

Community National Bank

Form of Verification: Credit report

Email from Bank:

We use a Vscore (identify profile) to decide weather to open an account. Credit report is only used when applying for a Visa Debit Card.

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

Learn more about Community National Bank

Altra Federal Credit Union

Form of Verification: ChexSystems and a credit report

Special Notes:

USES CHEXSYSTEMS BUT IF PAID, 6 MONTHS OLD CAN GET AN ACCOUNT.

FOR BEST RESULTS FRAUD SHOULD NOT BE INDICATED.

Email from Bank:

As long as the listing on ChexSystems is 6 months or older and showing paid you would be able to open an account. We have a 6 month trial basis with no NSF activity and we wait that 6 months before ordering a check/debit card for the member.

Types of Accounts Offered: Personal checking and savings

Learn more about Altra Federal Credit Union

Commercial Bank & Trust Co.

Form of Verification: Credit report

Email from Bank:

The normal procedure when opening a checking or savings account with our bank is for us to obtain a copy of your credit report. A score of 600 is required.

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

Learn more about Commercial Bank & Trust Co.

Community Trust & Banking Company

Form of Verification: Credit report

Email from Bank:

For account opening procedures, we check a credit report for both checking and savings accounts. You would also need proper identification as defined by the U.S. Patriot Act. The minimum opening deposit for either a checking or savings account is $100.00.

We have a minimum score requirement of 500; however, some people with higher scores are occasionally declined due to other information in the credit report. People with scores below a 575 are monitored more closely. A score of at least 610 is required for a Visa Debit Card.

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

Learn more about Community Trust & Banking Company

Highland Federal Savings and Loan Association

Form of Verification: ID

Special Notes:

Could you please tell me what you use to verify new checking and savings accounts. Do you use ChexSystems, TeleCheck, a credit report etc? see response in email..there is a 60 day wait on a debit card.

Email from Bank:

We do not use any of those systems. We only require you produce your drivers license and social security card. You also need to reside in Cumberland County, or a surrounding county, or be a loan customer, or have a loan in process.

I then asked When a person orders a debit card for a new checking, do you run ChexSystems or a credit report?

RESPONSE:

NO BUT THERE IS A WAITING PERIOD TO APPLY FOR A DEBIT CARD OF 60 DAYS.

Types of Accounts Offered: Personal checking and savings

Learn more about Highland Federal Savings and Loan Association

First National Bank of Pulaski

Form of Verification: Credit report

Special Notes:

They want a score of 600 or more to open a checking.

Email from Bank:

We use credit reports to verify new accounts.

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

Learn more about First National Bank of Pulaski

First South Financial Credit Union

Form of Verification: Credit report

Email from Bank:

We use a credit report.

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

Learn more about First South Financial Credit Union

U.S. Bank

Form of Verification: ChexSystems

Special Notes:

It has been reported that if your report is 21/2 yrs or older, they will not even see it. If this is your situation you can apply online, if not, you would need to visit an “in store” branch.

Most US banks “in store” branches are giving accounts to most people on ChexSystems. These are regular accounts, not 2nd chance checking...as long as you do NOT owe US Bank money and you are not reported on your ChexSystems report for any kind of "fraudulent activity".

There are some branches that are still not using this policy so it might be a good idea to call a branch local to you and ask about their policy first before going in.

Some “in store” branches have signs that actually says “ChexSystems? no problem!”… yet others will not open accounts at all. People are approved everyday.

Some branches do offer 2nd chance checking and some have been able to open business accounts when all debt to reporting bank(s) are paid and fraud is not indicated.

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

Learn more about U.S. Bank

Hope Federal Credit Union

Form of Verification: ChexSystems

Special Notes:

They do use ChexSystems but you can still get an account once you become a member. They do offer an account called Easy Checking for those reported to ChexSystems and those with a credit score of less than 600.

$9.95 a month if the balance of 200.00 is not maintained. FREE if balance of 200.00 is maintained.

Types of Accounts Offered: Second chance checking (paperless checking)

Learn more about Hope Federal Credit Union

Citizens Bank of Blount County

Form of Verification: Deluxe Detect and a credit report

Special Notes:

They do not use ChexSystems.

Email from Bank:

Our policy is to pull Deluxe Detect (which is Early Warning) and a credit report (Equifax, Experian, or TransUnion but normally Equifax).

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

Learn more about Citizens Bank of Blount County

Knoxville TVA Employees Credit Union

Form of Verification: Credit report

Special Notes:

Any eligible member can open a savings no ChexSystems). For a checking, they do use ChexSystems.

Email from Bank:

Yes, we would use a credit report for opening a new savings account and ChexSystems for opening a new checking account.

Types of Accounts Offered: Savings

Learn more about Knoxville TVA Employees Credit Union

United Southeast Federal Credit Union

Form of Verification: TeleCheck

Email from Bank:

We use TeleCheck.

Types of Accounts Offered: Personal checking and savings

Learn more about United Southeast 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