The Best Banks & Credit Unions in West Virginia 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 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.

Your Top Pick

BBVA is one of the most well-known banks for West Virginia 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 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

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.

First National Bank 2nd Chance Checking. Also in VA

Clear Mountain Bank StartFresh Checking. Also in MD

West Virginia Federal Credit Union Fresh Start Checking

  • 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
  • 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

    DO NOT order checks with Bank United. They utilize Deluxe for all of their materials basically.

    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