The Best Banks & Credit Unions in Washington 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 Washington 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 is one of the most well-known banks for Washington 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
  • Customizable banking alerts
  • Available nationwide (except Alaska and Hawaii)
  • Member FDIC

You can open this account with as little as $25 for your initial deposit

Open a BBVA Account Now!

Local Banking Options

Following is the web's most comprehensive list of banks and credit unions in Washington 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
MountainCrest Credit UnionFresh Star Checking
Navy Federal Credit UnionFree eChecking
Peoples Cash SolutionsSecond Chance Checking
Radius BankEssential Checking
SoFi MoneyCash Management Account
US BankSafe Debit Account
Varo BankOnline Bank Account
Washington Savings BankOnline Rewards Checking
Wells FargoOpportunity Checking
Bank of the WestFresh Start
Go BankMobile Banking
GTE FinancialGo Further Checking
MountainCrest Credit UnionFresh Star Checking
Navy Federal Credit UnionFree eChecking
Peoples Cash SolutionsSecond Chance Checking
Radius BankEssential Checking
SoFi MoneyCash Management Account
US BankSafe Debit Account
Varo BankOnline Bank Account
Washington Savings BankOnline Rewards Checking
Wells FargoOpportunity Checking
  • Horizon Credit Union
    Form of Verification:

    Credit Report

    Email from Bank:

    The credit union presently uses information obtained from a credit reporting agency.

    Types of Accounts Offered:

    Personal Checking and Savings

    Learn more about Horizon Credit Union
  • Cheney Federal Credit Union
    Form of Verification:

    ID and a Credit Report

    Email from Bank:

    Yes, we pull a credit report for all new members. Usually requires a beacon score of 600 + is required.

    Types of Accounts Offered:

    Personal Checking, Savings, and Business Checking

    Learn more about Cheney Federal Credit Union
  • Great Northwest Federal Credit Union
    Form of Verification:

    TeleCheck

    Email from Bank:

    We use TeleCheck to verify when opening checking accounts.

    Types of Accounts Offered:

    Personal Checking and Savings accounts

    Learn more about Great Northwest Federal Credit Union
  • Peninsula Community Federal Credit Union
    Form of Verification:

    Credit Report

    Email from Bank:

    To open a savings account you will just need to qualify for membership. As long as you live, work or worship within the boundaries of the five counties that we service, which are Mason, Jefferson, Grays Harbor, Clallam and Kitsap, you will qualify for a savings account. Additional services such as checking accounts, lines of credit, auto and or home loans are also available to our membership and qualification for these will depend upon the overall picture of your credit history and your combined Beacon and BNI scores.

    Types of Accounts Offered:

    Personal checking, savings and business accounts

    Learn more about Peninsula Community Federal Credit Union
  • Whatcom Educational Credit Union
    Form of Verification:

    TeleCheck and a credit report

    Email from Bank:

    If TeleCheck comes back good we will open the account but we do run a credit report with Equifax to look at the credit history.

    Types of Accounts Offered:

    Personal checking, savings and business accounts

    Learn more about Whatcom Educational 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
  • America's Credit Union
    Form of Verification:

    TeleCheck, a credit report and ID

    Special Notes

    ***IT HAS BEEN REPORTED THAT THEY ARE VERY PICKY ABOUT CREDIT

    ***IT IS VERY HARD TO GET APPROVED FOR AN ACCOUNT WITH THEM UNLESS CREDIT SITUATION IS EXCELLENT

    • They do not use ChexSystems
    • You can apply for membership online
    • Send in a copy of your DL and SS card notarized with signature card

    SPECIAL NOTE: YOU MUST MAINTAIN A $50.00 BALANCE IS A SAVINGS ACCOUNT FOR THE LIFE OF THE MEMBERSHIP.

    THEY ALSO OFFER BUSINESS CHECKING. THEY NEED THE BUSINESS NAME AND THE INFO FOR THE BUSINESS TO ATTATCH IT TO A CHECKING BUT THEY WILL OPEN IT UNDER THE NAME OF THE BUSINESS

    Email from Bank:

    If you are interested in an account with America's Credit Union you will need to consent to having a credit check.

    Types of Accounts Offered:

    Personal checking, savings and business accounts

    Learn more about America's Credit Union
  • Pacific Northwest Credit Union
    Form of Verification:

    Credit report

    Special Notes

    Anyone can join and get an account that lives in the state of Washington but you must apply in person.

    Email from Bank:

    We run a credit report from Equifax. We do not use a score but we review the report history and make our decision from that to determine what we can open.

    Types of Accounts Offered:

    Personal checking and savings accounts

    Learn more about Pacific Northwest Credit Union
  • Gesa Credit Union
    Form of Verification:

    ChexSystems

    Email from Bank:

    Currently all new account are run through ChexSystems prior to opening, if they need additional information we may run a credit report.

    Thank you for your question, we do have an account that is called a “Fresh Start Checking”.

    Qualifications: Any potential member that does not have fraud related hits or outstanding balances payable to any financial institution on chex-system. Any outstanding balances to other institutions must be satisfied prior to the account opening. If you have received an expulsion from Gesa Credit Union you are not eligible for this account.

    • Minimum to open is $200.00. Initial deposit is frozen and unavailable for the member to use.
    • There is a $10.00 monthly fee.
    • The account does not pay interest.
    • Overdraft Protection is automatically available through the regular savings, OD line of credit or personal line of credit.
    • The account doesn’t come with a free box of checks
    • First Visa Check Card is free for Owners and Joint Owners

    These are the basic features for the “Fresh Start Checking” account.

    Types of Accounts Offered:

    Second chance checking

    Learn more about Gesa Credit Union
  • American Lake Credit Union
    Form of Verification:

    TeleCheck

    Email from Bank:

    Yes, we run TeleCheck when opening any new account.

    Types of Accounts Offered:

    Personal checking and savings accounts

    Learn more about American Lake Credit Union
  • O Bee Credit Union
    Form of Verification:

    Credit report. Currently we are not using ChexSystems or the like. They do run a credit report when determining qualifications for membership.

    Email from Bank:

    The first criteria is you must live, work or worship within Washington State.

    The second is a valid picture ID, such as driver’s license or ID card.

    We also request a credit report.

    Types of Accounts Offered:

    Personal checking, savings and business accounts

    Learn more about O Bee Credit Union
  • Bank of the West
    Form of Verification:

    ChexSystems

    Special Notes

    The manager told me its called "Fresh Start". Your last entry into ChexSystems must be older than one year. Cannot say Fraud. $10 a month.

    Types of Accounts Offered:

    Second chance checking

    Learn more about Bank of the West
  • Wheatland Bank
    Form of Verification:

    EWS

    Types of Accounts Offered:

    Personal checking, savings and business accounts

    Learn more about Wheatland Bank
  • Bank of America
    Form of Verification:

    ChexSystems and EWS

    Special Notes

    Your report must be at least 6 months old. You MUST NOT be reported to EWS. If you are reported to EWS, they may open the account and close it later.

    Types of Accounts Offered:

    My-Access Checking - Monthly maintenance fee: $8.95 per month [Fee waived with direct deposit]. Minimum Opening Deposit Requirement: $25

    Learn more about Bank of America
  • Banner Bank
    Form of Verification:

    ChexSystems

    Special Notes

    This is for Seattle-King County residents ONLY.

    Email from Bank:

    The ChexSystems report must NOT show any fraud. No money can be owed to the reporting bank and it must be at least a year old.

    No debit card for 6 months unless you set up direct deposit and if you can then the card will be issued in 90 days.

    Types of Accounts Offered:

    Second Chance checking (but this is a regular checking account)

    Learn more about Banner Bank
  • Express Credit Union
    Form of Verification:

    ChexSystems

    Special Notes

    They do participate in a program called Bank on Seattle-King County.

    Email from Bank:

    I called and talked to the manager and she did say that they do approve those reported to ChexSystems but each case is difference depending on what is reported. Some may NOT be approved while others may be approved for a

    • Savings account with an ATM only
    • or others might be approved for a regular checking. Again it depends on what the report says.
    Types of Accounts Offered:

    Personal checking and savings accounts

    Learn more about Express Credit Union
  • HomeStreet Bank
    Form of Verification:

    ChexSystems

    Special Notes

    I called and talked to several branch managers and they said yes they do sometimes open accounts for those reported to ChexSystems depending on the severity of the report.

    As for my experience they did check my ChexSystems although I came in requesting Bank On account. She did determine that because my ChexSystems report stated "account abuse" and not fraud they would open a regular account for me. My chex report is in actuality identity theft and is being disputed on my credit report (along with the other 30 or so I had removed in the last 2 years). In any event - talk about the nicest people and understanding. WOW! I am always anxious since my major identity theft 13yrs ago. I even had Walmart turn me down to cash my tax return last year and they cash almost everyone. Also if you refer anyone you get a $50 credit. This bank made me feel important and that if there is ever an issue they will personally handle it. Very HOMEY! Already got first checks and visa debit on way - online banking and billpay already set-up!!

    Types of Accounts Offered:

    Personal savings and checking

    Learn more about HomeStreet Bank