Washington banks that dont use chexsystems

With Chime , a bad credit score is no longer a deal-breaker. They offer an award-winning mobile bank account and debit card with no credit check. You can open an account online with no hidden bank fees. And by that, we mean no overdraft fees, no monthly maintenance fees, no foreign transaction fees, and no minimum balance fees — ever. Plus, you can get your paycheck up to 2 days earlier with direct deposit.

Chime is definitely the best option on this list. The Acorns Spend Checking Account is the best of both worlds. And every time you swipe your card, Acorns rounds your transaction up to the nearest dollar. These funds are then invested in one of the preselected ETF funds you chose. Plus, Acorns Spend comes with several other helpful features. For example, there are no ATM fees, and Acorns will reimburse you monthly for any third-party fees you accrue.

And there are no overdraft fees or minimum balance requirements. They are located in Virginia, but membership is open to customers in all 50 states.

There are no minimum balance or monthly service charges. Account-holders can also get paid up to 3 days early with direct deposit.

Plus, there is a free checking account option with no minimum balance requirements and no monthly service fee with a qualifying direct deposit. For example, the bank states that it does not use ChexSystems to screen applicants, but some consumers claim they do.

It may depend on the severity of your history, such as fraud. SunTrust has several checking options available, but your best bet may be to start with their Essential Checking account.

In addition, account-holders get a Visa CheckCard and free online banking services. Account-holders also get a Mastercard debit card.

There is no minimum balance requirement or monthly fees. You can also upgrade to rewards checking, where you earn cashback rewards and discounts on movies, theme parks, and prescriptions. TD Convenience Checking is a great option for anyone looking for an affordable checking account. US Bank may open an account for people with a negative ChexSystems history. You also get free access to over 4, ATMs and 3, branches.

US Bank has multiple locations in Washington state but has a particularly strong presence in the western part of the state. Wells Fargo offers a second chance checking account called Opportunity Checking. Opportunity checking comes with every modern day checking tool that customers expect. Wells Fargo has many locations throughout much of Washington. Looking for more information and additional options available in your area? Select your state from the list below to find out all your options for banking.

Advertiser Disclosure. Chime Our Top Pick. Apply Now on Chime's secure website. American Lake Credit Union.

Apply Now on American Lake's secure website. They have branch locations in Tacoma and Lakewood. Great Northwest Federal Credit Union. Homestreet Bank. Apply Now on Homestreet's secure website.

Homestreet Bank has numerous locations both in and around Seattle. Many banks do not work with people that have multiple enquiries conducted.

If you have been reported to Chexsystems, you need to be very proactive. Take time to get in touch with the bank to dispute the record today and start fixing the problem now. It is very difficult to survive without being able to use typical banking services that many people take for granted. You might be able to manage with only a savings account for a short time, but your banking fees will increase gradually to an extent that it becomes unaffordable.

The faster you can fix the report and pay the money you owe, sooner you will be able to open a new account. If you want to be proactive and get your negative information removed from Chexsystems altogether, then be sure to read our free guide to getting out of Chexsystems for good. Do not ever let past banking problems keep you from opening a checking account again. Table of Contents. By Kelly Scott Updated: Feb 12, Features and Benefits.

Essential Checking. No accounts found at state-based financial institutions. Check for regional and national options. District of Columbia. No accounts found at financial institutions based here. Valley Credit Union: Opportunity Checking.

New Hampshire. Check for national options.