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

Woodforest National Bank

Form of Verification: ChexSystems and TeleCheck

Special Notes:

You must apply in person and they are very friendly to those reported to ChexSystems.

2nd Chance account is $7.95 if you have direct deposit. $9.95 if you do not.

$25.00 one time debit card processing fee. There is a 15.00 monthly fee FOR A BUSINESS ACCOUNT.

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.

All deposits are available immediately. 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

TCF National Bank

Form of Verification: ChexSystems

Special Notes:

I actually called the 1800 number and they told me that as long as you don't owe TCF any money, anybody can open an account. DO NOT APPLY FOR THIS ACCOUNT IF YOU HAVE BEEN REPORTED TO EWS, THE ACCOUNT MAY BE OPENED BUT WILL LATER BE CLOSED.

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

Learn more about TCF National Bank

Altra Federal Credit Union

Form of Verification: ChexSystems and a Credit Report

Special Notes:

  • USES CHEXSYSTEMS BUT IF PAID, 6 MONTHS OLD CAN GET AN ACCOUNT
  • FOR BEST RESULTS FRAUD SHOULD NOT BE INDICATED.

Email from Bank:

As long as the listing on ChexSystems is 6 months or older and showing paid you would be able to open an account. We have a 6 month trial basis with no NSF activity and we wait that 6 months before ordering a check/debit card for the member.

Types of Accounts Offered: Personal Checking and Savings

Learn more about Altra Federal Credit Union

CoVantage Credit Union

Form of Verification: Credit Report

Email from Bank:

We use Trans Union Credit Reporting Agency. Yes, we do look at 650 or higher for a checking account. However, we do look at the type of collections that a person may have on their bureau and make our decision. Some accounts may be opened with less than a 650.

We do not use any of the other systems you listed.

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

Learn more about CoVantage Credit Union

First Community Bank

Form of Verification: Credit Report

Email from Bank:

We run a credit report thru TransUnion. We look at the overall credit report, taking the score into consideration as well as the number of collections, and the payment history on the items that are listed.

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

Learn more about First Community Bank

Farmers Savings Bank

Form of Verification: Credit Report

Email from Bank:

We check credit reports when opening a new checking or savings account. 660 or above. If between 600 and 660 needs to be approved by an officer.

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

Learn more about Farmers Savings Bank

Taylor Credit Union

Form of Verification: ID with current address on it

Email from Bank:

I called and they only require an ID. They do not use ChexSystems at all.

Types of Accounts Offered: Personal Checking and Savings

Learn more about Taylor Credit Union

Westconsin Credit Union

Form of Verification: Credit Report

Email from Bank:

We do not use ChexSystems, TeleCheck, Deluxe Detect. When you open a new savings and checking account we do run a credit report through TransUnion.

You will need a valid driver’s license, Social Security number, and $5.00 to open a savings account.

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

Learn more about Westconsin Credit Union

Park City Credit Union

Form of Verification: Credit Report

Email from Bank:

Our system of verifying new accounts is by credit report.

Types of Accounts Offered: Personal Checking and Savings

Learn more about Park City Credit Union

R.I.A. Federal Credit Union

Form of Verification: Equifax Credit Report

Email from Bank:

When opening a Checking or Savings account we pull a credit report. Most people will qualify for a savings account regardless of the result of their Equifax credit report; however, the determination of eligibility for a checking account would be at the discretion of the manager opening the account and is dependant on the outcome of the report. All members must also qualify for our field of membership before an account can be opened.

Types of Accounts Offered: Personal Checking and Savings

Learn more about R.I.A. Federal Credit Union

Central City Credit Union

Form of Verification: Credit Report

Email from Bank:

We run a credit report for checking accounts, debit and ATM cards through TransUnion. We do not do a credit check for just a savings.

Types of Accounts Offered: Personal Checking and Savings

Learn more about Central City Credit Union

U.S. Bank

Form of Verification: ChexSystems

Special Notes:

It has been reported that if your report is 2 1/2 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

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

River Valley Bank

Form of Verification: Credit Report

Email from Bank:

We use a credit report to verify for new accounts.

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

Learn more about River Valley Bank

Marine Credit Union

Form of Verification: TransUnion Credit Report

Special Notes:

I did call and they stated that they look at overall credit, a certain score is not required.

Email from Bank:

We do not use these systems, those organizations are for merchant use. We do a credit check for a checking account.

Types of Accounts Offered: Personal Checking and Savings

Learn more about Marine Credit Union

Fox Communities Credit Union

Form of Verification: Credit Report

Email from Bank:

We do not use ChexSystems when opening a account however we do look at the credit report. There isn't a score that approves or declines an account automatically. Everything is based on the history of the report. If we can have you stop in we can take a look at your situation and let you know if we can get that opened or not.

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

Learn more about Fox Communities Credit Union

Prospera Credit Union

Form of Verification: Credit Report

Email from Bank:

We would run a credit report Minimum score of 450, but we do look at credit history as well.

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

Learn more about Prospera Credit Union

Denmark State Bank

Form of Verification: TransUnion Credit Report

Email from Bank:

Yes, we do run a TransUnion credit report on any new checking or savings account opened at Denmark State Bank. We require at least a 600 and you can’t have any collections or civil judgments.

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

Learn more about Denmark State Bank

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