The Best Banks & Credit Unions in West 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 West 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.

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 West Virginia 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 West 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

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.

Hancock County Savings Bank

Form of Verification: Watchdog CIP

Email from Bank:

For a new deposit account within our lending area, we utilize the Watchdog CIP system.

Types of Accounts Offered: Personal Checking and Savings

Learn more about Hancock County Savings Bank

First Community Bank

Form of Verification: ChexSystems

Email from Bank:

We do offer something called a Rebound Checking account. (Certain criteria may apply.)

Types of Accounts Offered: Second Chance Checking

Learn more about First Community Bank

First Century Bank

Form of Verification: Credit Report and ID

Email from Bank:

To open a new account we verify a valid driver’s license and a credit report with Equifax. We review the all the history on the credit report and the beacon must be a 600 or above.

Types of Accounts Offered: Personal Checking, Savings and Business accounts

Learn more about First Century Bank

Calhoun County Bank

Form of Verification: Credit Report

Email from Bank:

We at Calhoun Banks currently use Equifax for credit bureau reporting when a customer applies for a checking account. We currently do not require a credit report for savings accounts We like to see at least a 650 for checking accounts, but depending upon the history, we sometimes approve a customer with a lesser score.

Types of Accounts Offered: Personal Checking, Savings and Business accounts

Learn more about Calhoun County Bank

Progressive Bank

Form of Verification: Credit Report

Special Notes:

You must have a score of 625 or higher to be approved for a checking.

Email from Bank:

For checking accounts, we do pull a credit report if the customer does not have any deposit accounts with our bank. There is certain criteria that must be met on the credit report before we can open the account.

For savings accounts, we do not pull any type of report before opening the account.

For both accounts, we require the customer to have proper identification, such as a valid drivers license, that lists their current address.

Types of Accounts Offered: Personal Checking, Savings and Business accounts

Learn more about Progressive Bank

FNB Bank

Form of Verification: Credit Report and ID

Email from Bank:

When opening a new checking or savings account we use our own system to check new customers.

Types of Accounts Offered: Personal Checking, Savings, and Business accounts

Learn more about FNB 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

Learn more about Woodforest National Bank

Wood County Community Federal Credit Union

Form of Verification: Credit Report

Email from Bank:

We run a credit report, the only reason we pull it is for overdraft protection if it isn’t high enough it won’t be put on your account.

Types of Accounts Offered: Personal Checking and Savings accounts

Learn more about Wood County Community Federal Credit Union

Community Trust Bank

Form of Verification: EWS

Special Notes:

They do NOT use ChexSystems but they do run EWS.

Email from Bank:

We use a system called "Early Warnings".

Types of Accounts Offered: Personal Checking, Savings and Business accounts

Learn more about Community Trust Bank

United Bank

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

Citizens Bank of West Virginia

Form of Verification: Credit Report

Email from Bank:

While we do not use ChexSystems, etc., we do have the option of pulling a credit report at the time of opening a checking account.

Types of Accounts Offered: Checking and Savings accounts

Learn more about Citizens Bank of West Virginia

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