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

Fort Hood National Bank

Special Notes:

ANYONE CAN GET AN ACCOUNT BUT MUST VISIT LOCATION. DOES NOT USE CHEXSYSTEMS, TELECHECK OR A CREDIT REPORT.

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

Learn more about Fort Hood National Bank

USAA Federal Savings Bank

Form of Verification: TeleCheck and EWS

Special Notes:

IMPORTANT: YOU MUST CALL AND GET A MEMBERSHIP NUMBER BEFORE YOU CAN APPLY FOR AN ACCOUNT. JUST TELL THEM YOU ARE APPLYING FOR A CHECKING ONLY.

They are very nice and have the best customer service. Just call and explain that you need a membership number to open a checking account and it is as simple as that. If you have the 50.00 deposit you can give it to them with a credit card right over the phone, they will set you up at that same moment. The account shows up online in just 2 days. You will get your cards and checks in about a week.

Please note: USAA does use EWS. I have been told by CS that they do not use ChexSystems or TeleCheck and only now use EWS. I am not sure if this is 100% correct but they have never used ChexSystems at all and have only used TeleCheck in the past.

Features of USAA

  • Bank from anywhere
  • Every ATM nationwide is your ATM — if another bank charges you, we refund the fees.
  • Qualifying members can deposit checks with a computer and scanner with USAA Deposit Home or with their iPhone with Deposit Mobile.
  • Pay, manage and view all your bills in one place with USAA Web BillPay.
  • Get free unlimited checking funds transfers to any U.S. bank.
  • Access your account from your mobile device with our free iPhoneTM app or mobile banking applications.
  • Check your account balance, transfer funds and more at usaa.com and mobile.usaa.com.

Types of Accounts Offered: Personal checking and savings

Learn more about USAA Federal Savings Bank

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

Pantex Federal Credit Union

Form of Verification: Credit report

Special Notes:

They never responded to my emails today so I went ahead and called 2 of the locations and they both said NO, they do not use ChexSystems. I asked the 2nd one I called if they use a credit report and she said no they do not unless you are applying for a loan. So apparently if you are eligible for membership, they do not pull anything at all.

Types of Accounts Offered: Personal checking and savings

Learn more about Pantex Federal Credit Union

Chemcel Federal Credit Union

Form of Verification: TeleCheck

Email from Bank:

We use TeleCheck

Types of Accounts Offered: Personal checking and savings

Learn more about Chemcel Federal Credit Union

Texas Bay Area Credit Union

Form of Verification: TeleCheck

Email from Bank:

We use TeleCheck & the credit report when opening a checking account.

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

Learn more about Texas Bay Area Credit Union

Farmers State Bank of Newcastle

Form of Verification: Proper ID

Email from Bank:

We only need a proper ID

Types of Accounts Offered: Personal checking, savings

Learn more about Farmers State Bank of Newcastle

Columbus State Bank

Form of Verification: TeleCheck

Email from Bank:

We use TeleCheck to verify new accounts.

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

Learn more about Columbus State Bank

Firstmark Credit Union

Form of Verification: TeleCheck and a credit report for identity only (soft pull)

Email from Bank:

Our system uses TeleCheck.

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

Learn more about Firstmark Credit Union

United Heritage Credit Union

Form of Verification: TeleCheck and ID

Special Notes:

I opened an account with United Heritage Credit Union. Thanks for the advice.

Email from Bank:

United Heritage processes a TeleCheck verification for all new members.

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

Learn more about United Heritage Credit Union

Austin Telco Federal Credit Union

Form of Verification: ChexSystems

Special Notes:

Our requirements for opening a second chance checking account are as follows:

You must live, work, worship, or go to school in Austin or one of its 5 surrounding counties.

You must open a savings account with a $25.00 balance. The balance will need to be maintained, but you do get it back when the account is closed.

We will need to see a Texas ID or state drivers license.

Upon these actions being met a checking account can also be opened. We require an initial deposit of $25.00 into it, but it is alright if the balance is later taken down to zero.

As long as these requirements are met then you are eligible to open an account with Austin Telco FCU. We do not use ChexSystems when opening an account to determine if the account can be opened, so it is alright if it does not report as "paid" or if it indicates fraud. If you have any questions please feel free to contact me at (512) 302-5555 ext 7320.

Types of Accounts Offered: Second chance checking

Learn more about Austin Telco Federal Credit Union

Baycel Federal Credit Union

Form of Verification: TeleCheck and a credit report

Email from Bank:

We pull the credit report on Equifax and we also call telecheck. Your score has to be 570 and above.

Types of Accounts Offered: Personal checking and savings

Learn more about Baycel Federal Credit Union

First Abilene Federal Credit Union

Form of Verification: TeleCheck and a credit report

Email from Bank:

We use TeleCheck on all checking accounts and if you request a debit card, we run a credit report. At this time we not use any of those services for opening a savings account. Savings accounts are limited to three withdrawals per quarter and no cards are available.

Types of Accounts Offered: Personal checking, savings

Learn more about First Abilene Federal Credit Union

Smart Financial Credit Union

Form of Verification: TeleCheck

Special Notes:

People who live, work, or attend school in Fort Bend, Harris or Montgomery Counties, Texas.

Businesses located in Fort Bend, Harris or Montgomery Counties, Texas People who work in the Medical Industry in Brazoria, Galveston, Chambers, Jefferson and Orange Counties, Texas and Calcasieu and Rapides Parishes, Louisiana.

Email from Bank:

We use TeleCheck as well as credit reporting when opening a new account. New account opening is not dependent upon your credit score.

They also offer second chance checking for those with only one report showing.

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

Learn more about Smart Financial Credit Union

Bank of Texas

Form of Verification: ChexSystems

Special Notes:

  • HAS 2ND CHANCE CHECKING
  • CHEX MUST BE PAID
  • NOT SHOW FRAUD
  • $15.00 A MONTH CHARGE
  • ATM ONLY
  • NO DEBIT
  • $1.00 FOR CARD CAN HAVE CHECKS
  • NO OVERDRAFT AVAILABLE
  • $50.00 TO OPEN
  • NO MIN BALANCE REQUIRED
  • AFTER 1 YEAR CAN CONVERT TO REGULAR CHECKING

Email from Bank:

They charge $8.95 (I think) for the first 5 months and if you have no issues then it becomes free. They were very nice to work with. I was able to set it up via phone and then we went to the location in Texas.

Types of Accounts Offered: Second chance checking

Learn more about Bank of Texas

Alamo Federal Credit Union

Form of Verification: TeleCheck

Email from Bank:

We use TeleCheck

Types of Accounts Offered: Personal checking and savings

Learn more about Alamo Federal Credit Union

Alliance Federal Credit Union

Form of Verification: Credit report, OFAC, Insta-Check

Email from Bank:

When a person wishes to open a new account, the first thing we do is verify their identity. Most commonly, the person presents an unexpired, government-issued, picture ID, such as their drivers license and their Social Security card. Also acceptable would be a passport or military ID.

After we have verified their identity, we also run a credit report from the Equifax credit bureau, and OFAC report, and a report from Insta-Check. We want to make sure that we have verified the identity of the person before they become a member of Alliance Federal Credit Union.

We like to see a minimum credit score of 500 for new accounts. The minimum score for loans varies, but we would want to see it quite a bit higher than 500 for loans.

Types of Accounts Offered: Personal checking and savings

Learn more about Alliance Federal 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

Woodforest National Bank

Form of Verification: ChexSystems and TeleCheck

Special Notes:

2nd Chance account is $7.95 if you have direct deposit $9.95 if you do not. There is a 15.00 monthly fee FOR A BUSINESS ACCOUNT.

$25.00 one time debit card processing fee However, in 6 months or less, the branch determines if you can move to a regular account or open a savings in addition to the second chance account, regular accounts, you can open immediately!

(Complimentary overdraft) requiring no credit will kick in after 30 days. It is $500 for direct deposit or $300 without it.

ALSO! Phone and Online banking are immediate overnight and they're open 7 days! They are VERY friendly and nice to those reported to ChexSystems.

Email from Bank:

Before you can open an account with Woodforest National Bank we do run TeleCheck and ChexSystems. If you have any unpaid closures reported by a merchant or another financial institution on either one of these reports you will only qualify for our Second Chance Checking account. You will be able to open an account with us as long as we are able to properly verify your identity and you do not have an unpaid charged off account with Woodforest National Bank.

Types of Accounts Offered: Second chance checking and second chance business checking

Learn more about Woodforest National Bank

Grand Bank of Texas

Form of Verification: TeleCheck

Email from Bank:

An answer to your question on who we call for verification on new accounts, we do use TeleCheck and social search.

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

Learn more about Grand Bank of Texas

River City Federal Credit Union

Form of Verification: TeleCheck

Email from Bank:

We use TeleCheck

Types of Accounts Offered: Personal checking and savings

Learn more about River City 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