The Best Banks & Credit Unions in Virginia 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 Virginia 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 Virginia residents that are looking to avoid ChexSystems verification (BBVA bank uses Early Warning Services to screen new applicants). Their free checking account offers some of the most extensive features and all it takes is a $25 account opening fee to get started.

Why is it recommended for you?

Right now, a free checking account at BBVA is the only trusted option for anyone listed on 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.

ChexSystems OK No monthly Service Charge No monthly account balance minimums Relaxed account opening requirements Free ATM withdrawals on BBVA ATMs Online & mobile banking facilities included Customizable banking alerts Member FDIC

Local Banking Options

Following is the web's most comprehensive list of banks and credit unions in Virginia 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.

Special Notes

I have called many many locations in several different states and they are indicating to me that they do NOT use ChexSystems and they do not run a credit report at all. I was not buying it at first so I kept calling more and more locations and I finally talked to a manager that told me how they were using ChexSystems in the past but they no longer do. He said all you need is

  • 2 IDs
  • SS card
  • something that reflect a current address if ID is not correct
Types of Accounts Offered:

Personal checking, savings and business checking accounts

Learn more about United Bank
Form of Verification:

TeleCheck

Email from Bank:

We open new accounts we verify the information through TeleCheck.

Types of Accounts Offered:

Personal checking, savings and business accounts

Learn more about The Old Point National Bank of Phoebus
Form of Verification:

Credit report

Email from Bank:

When we open an new checking or savings account, we pull a credit report. We are looking for a score of 590 and any type of judgements.

Learn more about Bank of Floyd
Form of Verification:

Credit report and ID

Special Notes

Could you please tell me how you verify new checking and savings accounts. Do you use ChexSystems, TeleCheck, or a credit report? (see email )

Email from Bank:

We use valid picture ID's, Credit Reports, OFAC Check and we must be looking you in the eye.

Types of Accounts Offered:

Personal checking, savings and business accounts

Learn more about Lee Bank & Trust Company
Form of Verification:

ID

Types of Accounts Offered:

Personal checking and savings

Learn more about The Blue Grass Valley Bank
Form of Verification:

TeleCheck and a credit report

Email from Bank:

Yes we do use Equifax TeleCheck when opening a new checking account-credit report is pulled when applying for credit.

Types of Accounts Offered:

Personal checking and savings

Learn more about Peoples Advantage Federal Credit Union
Form of Verification:

Equifax Credit report

Email from Bank:

Thank you for your interest in Bank of Botetourt products and services. If you are not currently a bank customer, we pull a credit report. Decisions are based on your overall credit, not a particular score.

Types of Accounts Offered:

Personal checking, savings, and business accounts

Learn more about Bank of Botetourt
Form of Verification:

TeleCheck

Email from Bank:

United Southeast Federal Credit Union uses the TeleCheck System when a member comes into our office to establish a new account with US.

Types of Accounts Offered:

Personal checking and savings

Learn more about United Southeast Federal Credit Union
Form of Verification:

Equifax

Email from Bank:

We use an Equifax credit report

Types of Accounts Offered:

Personal checking, savings and business accounts

Learn more about UVA Community Credit Union
Form of Verification:

TeleCheck

Email from Bank:

We use TeleCheck

Types of Accounts Offered:

Personal checking, savings and business accounts

Learn more about Chesapeake Bank
Form of Verification:

TeleCheck

Email from Bank:

Thank you for contacting us at C&F Bank. We do use TeleCheck and others before opening a new account. Thank You.

Types of Accounts Offered:

Personal checking, savings and business accounts

Learn more about Citizens and Farmers Bank
Form of Verification:

Credit report

Special Notes

Details on account:

  • Full service personal checking
  • $500 minimum deposit to open
  • Unlimited check writing privileges

Monthly statements include check images (front and back) No monthly maintenance fee if $1,500 daily balance is maintained in the account. If the balance falls below $1,500, a $12.00 monthly maintenance fee will be charged.

Email from Bank:

Access National Bank does not use ChexSystems or other check reporting firms, but we do pull credit on all account owners / signatories. Access National Bank only services accounts for individuals / businesses residing in the DC Metro Area which consists of Virginia, Maryland, and Washington DC. A score of 680 or higher is preferred.

Types of Accounts Offered:

Personal checking, savings, and business accounts

Learn more about Access National Bank
Form of Verification:

Credit report

Email from Bank:

When some one applies for a new checking account we do a credit report through Equifax. Normally we are looking for a score 600 for checking and 625 for the debit card on the account but can sometimes be approved even if it is lower.

Types of Accounts Offered:

Personal checking, savings, and business accounts

Learn more about Beacon Credit Union
Form of Verification:

Credit report

Email from Bank:

We verify new accounts using a credit report from Equifax.

Types of Accounts Offered:

Personal checking, savings and business accounts

Learn more about Member One Federal Credit Union
Form of Verification:

TeleCheck

Email from Bank:

We use the TeleCheck system and a credit report to verify qualifications for holding an account with our institution.

Types of Accounts Offered:

Personal checking, savings and business accounts

Learn more about MainStreet 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

Learn more about Woodforest National Bank
Form of Verification:

Credit report

Email from Bank:

Justlan: Hello, how can I help you?

PF: Hi, I am wondering if I open a checking account there, do you use ChexSystems or a credit report?

Justlan: Yes, your information is ran through the equifax system to check for outstanding debts you may have with other institutions.

PF: ok, but you do not use ChexSystems, only Equifax?

Justlan: We use only Equifax, in the past we used TeleCheck. Mary: okay thanks for your help.

Types of Accounts Offered:

Personal checking, savings, and business accounts

Learn more about UVA Community Credit Union
Form of Verification:

TeleCheck

Special Notes

They do not run any credit report at all other than TeleCheck.

Email from Bank:

We use TeleCheck

Types of Accounts Offered:

Personal checking, savings, and business accounts

Learn more about Pioneer Bank
Form of Verification:

ID

Email from Bank:

We currently do not use any of the systems that you asked about but we do require that accounts must maintain positive balances or they will be charged off.

Types of Accounts Offered:

Personal checking, savings and business accounts

Learn more about Benchmark Community Bank
Form of Verification:

Credit report

Special Notes

Anyone can open a savings account once they become a member but checking accounts are based on your credit report. They are known to be very picky about credit. Most are denied the checking account at this credit union and are only approved for the savings.

Email from Bank:

We will pull a copy of your credit report when you apply to open an account.

Types of Accounts Offered:

Personal checking and savings

Learn more about Pentagon Federal Credit Union
Form of Verification:

Credit report

Special Notes

I also called several locations and they told me that they do not use ChexSystems.

Email from Bank:

Under Federal Regulation known as the "FACT ACT" we are required to obtain a credit report prior to the opening of any account. Thanks for your interest in Carter Bank & Trust.

Types of Accounts Offered:

Personal checking and savings accounts

Learn more about Carter Bank & Trust
Daniel Weiss
Daniel Weiss July 25, 2020
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