Have you been denied a checking account due to past banking issues? You’re not alone, and there are options available to help you regain access to financial services.
ChexSystems is a consumer reporting agency that tracks your banking activities, including overdrafts, unpaid fees, and account closures. A record in ChexSystems can remain on your file for up to five years, which may limit your ability to open new accounts. With around 80% of banks and credit unions in the U.S. relying on ChexSystems, it can create challenges for those with a troubled banking history.
How ChexSystems Impacts Your Banking Options
A ChexSystems record can restrict your access to traditional banking services, but some financial institutions offer alternatives. Not every bank uses ChexSystems, and some provide second chance accounts, giving you an opportunity to rebuild your financial history.
Delta Community Credit Union’s ChexSystems Policy
If you’re considering opening a checking account with Delta Community Credit Union (DCCU), good news—they do not use ChexSystems when reviewing applications. This makes DCCU an excellent choice for those who are looking to start fresh after past banking challenges.
More Banking Choices Without ChexSystems
While Delta Community Credit Union is a great option, it’s not the only financial institution that doesn’t rely on ChexSystems for account approvals. Here are a few other alternatives worth considering:
U.S. Bank
- Up to $400 sign-up bonus
- $25 minimum opening deposit
- Monthly service fee can be waived
- Over 40,000 fee-free ATMs
SoFi
- Up to $300 sign-up bonus with direct deposit
- No minimum opening deposit
- Earn up to 3.80% APY
- Over 55,000 fee-free ATMs
- Early pay with direct deposit
Current
- Build credit and earn points with every swipe
- No minimum opening deposit or maintenance fees
- Get paid up to 2 days faster
- No credit check or ChexSystems
Learn More
- Banks That Don’t Use ChexSystems – Take the first step to rebuilding your banking history with our list of banks that do not use ChexSystems for account approval.
- Credit Unions That Don’t Use ChexSystems – Find a credit union that will work with you, not against you. Learn about the credit unions that don’t use ChexSystems.
- Am I in ChexSystems? – Unsure if you’re in ChexSystems? Learn how to find out and take control of your financial status.
- How to Get Out of ChexSystems – Learn how to get out of ChexSystems in four simple steps.
- Second Chance Checking Accounts – Take control of your financial future with our list of over 250 banks that offer second chance checking accounts.
