Florida Banks That Do Not Participate in ChexSystems

Having trouble getting approved for a Florida checking account? It's probably due to a poor reputation in consumer reporting databases like ChexSystems. The majority of Florida financial institutions use ChexSystems to check your banking history.

You still have choices, thankfully. While some banks will not even consider your application if you have a ChexSystems record, others will give you a second chance with a checking account.

Second Chance and Non-ChexSystems Financial Institutions in Florida

See this extensive directory of Florida financial institutions that either do not participate in ChexSystems or that provide second chance checking accounts.

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Functions and Advantages

  • Spend $10, get $100 off
  • Absence of a ChexSystems or credit check
  • There are more than 16,000 cash machines that do not charge a fee.
  • There are more than 4,700 locations across the country.
  • $4 Pay .95 a month for service.

A Chase checking account, aptly titled Chase Secure Banking, is available. With the included Chase debit card, you can withdraw money from any of Chase's more than 16,000 fee-free ATMs.

This checking account has no overdraft fees, no minimum opening deposit, free money orders and cashier's checks, and free online bill pay. But there's also a $4 service charge every month. 95

Chase offers a $100 cash bonus to new customers who open a Chase Secure Banking account and make 10 purchases within 60 days.

Debit cards are typically delivered within a few days of account approval.

Axos Bank
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Functions and Advantages

  • Earn $100 just for signing up!
  • To the tune of 3 30% APY
  • There are no regular service charges or overdraft fees.
  • Unlimited reimbursements of domestic ATM fees
  • Your tax refund or direct deposit could arrive as much as two days early.

If you're looking for a checking account, Axos Bank's Rewards Checking is a great option because it has no monthly maintenance fees, reimburses unlimited ATM fees within the country, and offers cash back rewards.

You can make up to $3,000 a year with this account. Earn up to 30% APY and receive a $100 bonus. In addition, you can make as many free mobile deposits as you'd like, and the Federal Deposit Insurance Corporation will protect your deposits up to $250,000.

Overdraft and NSF fees are waived, and there are no minimum balance requirements.

Axos Bank requires only a $50 opening deposit and does not check customers' credit or use ChexSystems.

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Functions and Advantages

  • Over 14 5,000,000+ Downloads
  • Absence of a ChexSystems or credit check
  • No initial deposit is required.
  • There are over 60,000 ATMs that do not charge a fee1.

If you have a poor credit history, you can still use Chime®. No matter your credit history, you can get access to their award-winning financial app, debit card, and credit-building Visa® credit card.

The Chime Checking Account is a fee-free option.

  • 0 regular maintenance costs
  • costs incurred by making a purchase in a foreign currency are eliminated
  • 0% APR on All Balances, No Minimum

With the Secured Chime Credit Builder Visa® Credit Card, you can also begin establishing or improving your credit rating. There are no interest rates, annual fees, or credit checks associated with this secured credit card.

Over 60,0001 MoneyPass® and Visa® Plus Alliance ATMs are at no cost to Chime customers. With direct deposit2, you can get your paycheck up to two days earlier. Over 8,500 Walgreens accept free deposits of cash.

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Advantages and Features

  • There are no minimum balance requirements or maintenance fees.
  • Overdrive allows for overdrafts of up to $200 with no fees.
  • Over 40,000 Allpoint Automatic Teller Machines Throughout the United S
  • Obtain your funds up to 2 days sooner.
  • Absence of a ChexSystems or credit check

Current is a fintech firm, not a traditional bank. They have a lot to offer, and they don't use ChexSystems or check your credit report.

You can overdraw your Current mobile banking account by up to $200 without incurring any fees. There is no minimum balance required, and no additional fees are tacked on to using your debit card at any of the more than 40,000 fee-free Allpoint ATMs.

Additionally, a Current Premium account allows for early payment of wages (up to two days) via direct deposit. In addition, Current provides up to 4 Annual Percentage Yield of 0% for the Time Being with the Current Savings Pods

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Functions and Advantages

  • There will be no credit or ChexSystems checks performed.
  • Annual Percentage Yield (APY) on Savings: 4.50%
  • There are over 19000 ATMs available to you without having to pay any fees.
  • The $5 monthly charge is optional.

Green Dot, a reputable fintech firm, offers its neobank product, GO2bank. No minimum deposit is required for customers to open a vault-protected checking account.

GO2bank offers a compelling 4 Interest rate of 50% on savings accounts up to $5,000. Money can be deposited at any of 90,000 retail locations, and withdrawn from any of 19,000 fee-free ATMs.

Direct deposit allows customers to receive their pay up to two days early and their government benefits up to four days early.

Overdraft protection of up to $200 is available for select direct deposits.

The GO2bank Secured Visa Credit Card is a tool for responsible customers to use in establishing or repairing their credit.

If you receive direct deposit from your employer or the government, you can avoid the $5 monthly fee.

Ameris Bank
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ChexSystems is used by Ameris Bank. Once the debt has been paid off and there have been no reports of fraud or account abuse, a new account can be opened.

Ameris is a Florida-based financial institution with branches in the state's northern, western, and central regions.

At-Ease Checking has no monthly maintenance fee or minimum account balance, making it the most affordable checking account option. Free bill pay and banking services are available via the internet, mobile banking, and text messaging. A minimum opening deposit of $25 is required.

Bank United
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Bank United will open an account for you if your ChexSystems report shows only one bank, does not show any signs of bank fraud, and has been paid. Bank United currently provides four types of accounts:

  • Advantage Checking with Vertical Rewards
  • Verifying Interactions
  • Verifying Values
  • Regular Physicals

The minimum opening deposit for a Value Checking account is $50, and the service fee is only per month. Debit cards, electronic banking (including mobile and text), and bill payment are all provided at no cost to members.

Currently, Bank United has branches all over Southeastern and Southwestern Florida.

Bank OZK
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Pathway Checking is OZK Bank's alternative checking account for customers with poor credit. A minimum of $50 is required to open an account, but there is no minimum balance thereafter.

There is a $10 maintenance fee every month, and unlike some of Bank OZK's other checking accounts, you won't earn interest.

All Pathway Checking customers receive a Visa Debit Card, unlimited check writing, and access to online and mobile banking at no additional cost. You can also make 15 free bill payments per month at no additional cost. fifty after  

Campus USA Credit Union
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Instead of consulting the applicant's or Campus USA's ChexSystems file, Equifax reports are used. Campus USA now operates 17 campuses in the Florida counties of Alachua, Columbia, Leon, Marion, and Sumter.

There is no monthly maintenance charge or minimum balance threshold for Campus's free checking account.

Users of the service can also do the following:

  • Mobile banking for free
  • Inexpensive banking services on the web
  • Free Mobile Deposits From Anywhere
  • Paid bill paying at no cost
  • No-cost Debit Card
  • Withdrawals from Campus and Publix Presto ATMs are free of charge.
Centennial Bank
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The Opportunity 100 Checking Account from Centennial Bank is a great way to start over. Opportunity 100 can help you repair your Centennial Bank checking account because that bank still uses ChexSystems.

There are many advantages to using it as well, such as:

  • Online bill payment at no cost to you
  • Free reloadable debit card
  • Electronic Statements at no cost to you
  • Banking at no cost to you online

There is no minimum balance required and no maintenance fees associated with this account. If a member's account is in good standing after 12 months, the member can upgrade to a standard account.

Central Florida, the Panhandle, South Florida, and Southeast Florida are all served by Centennial Bank branches.

Central Credit Union of Florida
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There is a second chance checking account in Florida called Fresh Start Checking from Central Credit Union.

No opening deposit is necessary, and customers receive a fully functional Visa debit card. Pensacola is home to four CCUF locations, while Panama City has one.

Everyone in Escambia, Santa Rosa, Okaloosa, Walton, Washington, Bay, and Duval Counties is welcome to join. All new members are required to make an initial $5 CCUF's 0/100ths share

Community First Credit Union
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Despite being a ChexSystems user, Community First CU provides a second chance at financial stability through its Fresh Start Checking account. This account has all the features a standard checking account would have, including the ability to deposit checks, use a Visa debit card, and log in from anywhere with an internet connection or mobile app.

There is a $25 minimum deposit and a $10 service charge. A Community First share account is required prior to opening an account.

You need to be a resident of, or employed within Baker, Clay, Duval, Flagler, Nassau, Putnam, or St. Johns counties to join. Locale de Johns

Coral Community Federal Credit Union
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Applicants' ChexSystems and Equifax credit histories are checked at Coral Community. Both can show negative information as long as no bank fraud has been reported and all banks showing negative information have been paid in full. You may join Coral Community Federal Credit Union if the following apply to you:

However, membership is restricted to certain areas of Broward County. There are no minimum balance or direct deposit requirements, and no monthly service fees for using the website or mobile app to handle all of a member's banking needs.

First American Bank
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In the Jacksonville area, First American Bank provides a second chance with their Fresh Start Checking account.

There is a $50 opening deposit required, but there is no minimum balance requirement after that.

After 12 months of on-time payments and no overdrafts or NSFs, you may be able to upgrade to a regular checking account with FAB.

Mobile banking, online banking, and a vast network of surcharge-free ATMs are all standard features for every FAB checking account.

First Choice Credit Union
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Besides its two locations in West Palm Beach and Palm Beach Gardens, First Choice is a nationwide financial institution thanks to its membership in the Co-Op Shared Branch network. All of them are open to members.

The membership process at FCCU begins with an application review. You can choose from several account tiers after joining. Value Checking is hard to beat because there is no minimum balance requirement and no maintenance fees.

First Florida Credit Union
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Smart Track Checking is First Florida Credit Union's account for people with past banking issues. With Smart Track Checking, customers can open a checking account and work to improve their credit.

This account has a $5 monthly service fee; however, after 12 months of maintenance, members are eligible to switch to a free, standard account.

A Visa debit card, free bill pay, and other online banking services are provided to all new members. After submitting an application, all that's required to open an account is a $25 deposit.

Florida Credit Union
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Instead of using ChexSystems, Florida Credit Union uses a combination of credit history and Telecheck to determine whether or not to accept a new member.

The Florida Credit Union provides its customers with two types of checking accounts: interest-bearing and non-interest bearing. There is no minimum balance or fee for the interest-free account.

Free overdraft protection, online and mobile access, and ATM rebates at non-FCU ATM locations are included with either account type. DeLand, Lake City, Ocala, Starke, and Gainesville are all locations where FCU maintains branches.

Gold Coast Federal Credit Union
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Fresh Start is Gold Coast Federal's second chance checking account for customers with past checking problems.

There is no minimum balance required, and after a year of on-time payments, members can upgrade to a regular account.

Locations for Gold Coast can be found in both West Palm Beach and Royal Palm Beach. Belle Glade, St. Petersburg CU Center, Inc., Boynton Beach, FL, and Port St. Lucie

In addition, as a member of Gold Coast FCU, you can use any of the more than 5,600 surcharge-free ATMs provided by the Co-Op Shared Branch network.

Gulf Winds Federal Credit Union
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The My Opportunity Checking account from Gulf Winds Federal Credit Union is designed for members who need a second chance. The monthly fee for My Opportunity Checking is $10. 95

A minimum balance of $25 is required to open an account. Debit cards, online banking, and overdraft transfers are all provided at no cost to members.

There are presently three Tallahassee locations, one in Crawfordville, and six in Pensacola under the Gulf Winds umbrella. In order to join, you must first fill out a brief online form with some basic information about yourself.

JAX Federal Credit Union
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People with credit scores of 540 or higher are eligible for JAX's second chance checking program. Joining Jax Federal is a prerequisite for consideration.

JAX members can also use any of the more than 5,000 shared branching locations located in other parts of the country.

In addition, JAX customers have access to over 30,000 fee-free ATMs in the US and Canada. Deposits can often be made at one of these machines.

JetStream Federal Credit Union
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To those who qualify, JetStream provides a second chance at background checking. If you've been turned down for membership at other banks due to your credit history, opening an account with them can help you rebuild your credit.

JetStream has multiple Florida locations including Coconut Grove, Miami, Doral, and Hialeah.

Anyone who regularly resides, works, attends school, or worships in the following areas is eligible to join:

  • County of Miami-Dade
  • Trujillo Alto, and Carolina
  • San Juan
  • Province of Puerto Rico

Anyone who is related to a current JetStream Federal member or who works for one of the Select Member Companies can join as well.

Liberty Savings Bank
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A second chance checking account, Clean Slate Checking, is available at Liberty Savings Bank. If you want to use ChexSystems, you can't have more than three reports on your profile.

There is no minimum balance to open an account, and after 12 months, you can upgrade to a standard account.

A debit card is provided at no cost, and it can be used at any of the 55,000 surcharge-free AllPoint ATMs. In addition to free monthly check writing and unlimited use of online and mobile banking, you also get these perks!

McCoy Federal Credit Union
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You can rebuild your credit and take advantage of all the features of a regular checking account by opening a second chance account at McCoy Federal Credit Union.

McCoy offers a wide variety of free services to its customers, including no monthly service fees, unlimited check writing, a free debit card, free bill pay, free electronic statements, and 24/7 online access.

McCoy has multiple Orlando-area locations, and membership is open to anyone in the surrounding Orange, Osceola, Seminole, and Lake counties.

Members First Credit Union
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ChexSystems is used by Members First during the account approval process. They accept a negative entry or two on your credit report, unlike most credit unions and banks.

Members First may grant your membership if there is no evidence of fraud and all outstanding balances have been settled.

There are currently three distinct types of checking accounts offered by Members First. Everyday Checking, Kasasa Cash, and Kasasa Cash Back are the three.

There is no fee for opening an account, and no minimum balance is required. Every type of account includes every available banking convenience today. Some examples of these perks are:

  • Banking via computer, phone, or text message
  • Bill pay
  • eStatements
  • Debit card
  • Fundraising via phone calls
  • The Initial Paycheck (automatic deposits get you paid two days early).
One Florida Bank
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Opportunity Checking is a checking account offered by one Florida bank. There's a $100 opening deposit minimum, plus a $15 recurring monthly charge.

Members can use this account to improve their credit scores and get ready for a traditional checking account. Members can switch to a One Florida Classic account after 12 months of account maintenance.

The Chipley outpost of One Florida is accessible during normal business hours. They will soon have stores in both Orlando and Apopka.

People's Alliance Federal Credit Union
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People's Alliance Federal uses Telecheck instead of ChexSystems or EWS in their screening process.

If you have been turned down for a bank account in the past, you may have better luck opening an account with People's Alliance.

People's Alliance offers several different types of accounts, each with its own set of features and perks. Online banking, bill pay, free ATM withdrawals at thousands of locations, and unlimited debit card use are just some of the perks included with every account.

Republic Bank
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The Checking Builder Account is a second chance checking account offered by Republic Bank. All that's needed is $50, your S.S. number, and some form of government-issued identification.

To clear your name in ChexSystems, you may need to show proof that you've paid off any outstanding balances at your previous financial institutions.

The cost is $12 per month. 95 a month If you sign up for direct deposit or make 20 debit card purchases per month, however, this fee will be waived.

With no minimum balance, unlimited check writing, and free online banking services, Checking Builder is a great option for anyone. If you use an ATM networked by Republic Bank, Presto, Sum, MoneyPass, or Allpoint, your withdrawals will be free of charge.

San Antonio Citizens Federal Credit Union
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New members can get a second chance at SACFCU's checking account. Prospective members must have some connection to the areas of Eastern Pasco or Eastern Hernando County in order to be considered for membership.

To become an official member, visit any of the four locations and open a savings account with as little as $5.

In good standing, members can switch from the second chance account to a regular account after a year.

South Florida Federal Credit Union
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Those in need can get a second chance at banking at South Florida Federal. Those who have been turned down for membership at other banks due to their negative ChexSystems records are welcome to apply for this account.

There are no maintenance fees or minimum balance requirements for this account, which is called Another Chance Checking.

The account comes with a free debit card that can be used at any of the many ATMs in the greater Miami area. An online application is available for those who are interested.

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When evaluating your application, Synovus Bank will not use ChexSystems, but rather your Equifax credit report and credit score.

A minimum credit score of 500 is required from all applicants. If you are approved, you can open a free checking account, a preferred account, or a gold checking account (or a military interest checking account).

There are no maintenance fees or minimum balances associated with Free Checking accounts, and all that is required to open one is a one-time deposit of $100.

Among the available options are a Visa® debit card, automatic bill payment, and free online and mobile banking.

University Credit Union
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UCU could be a good option for you if the only bank you've ever had trouble with was ChexSystems. University CU will consider granting you an account if you have an average credit history and no negative Telecheck entries.

Anyone with a scholarly or professional connection to the universities of Miami and Florida International, St. Thomas University, the Legal Sector, and the Greater Miami-Dade Area

Each member has free access to mobile and online banking, as well as access to thousands of surcharge-free ATMs, and there are no service fees or minimum balance requirements.

Union State Bank
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Neither ChexSystems nor EWS are utilized by Union State Bank. This is fantastic news, as most people who are denied bank accounts do so due to black marks on their ChexSystems or EWS reports. Freedom Checking is Union State's most widely used account.

To open a Freedom Checking account, you need only $50. It includes the following benefits:

  • Charge-free Debit Card
  • No Service Charge
  • Complete freedom to write checks
  • Paying bills online is free of charge.

Union State's future expansion plans include opening additional branches like the one in Destin, which it currently operates.

Vystar Credit Union
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Vystar, on the other hand, uses Telecheck rather than ChexSystems. Telecheck banks allow many people who were rejected by traditional banks to open an account.

Vystar's primary location is in or around Jacksonville. You need to be a resident, student, worker, or member of a local religious community of the county adjacent to the club in order to join.

Counties like Alachua, Baker, Bradford, Brevard, Clay, Columbia, Duval, Flagler, Gilchrist, Hamilton, Lake, Levy, Marion, Nassau, Orange, Putnam, and St. Lucie are all on board. Counties of Johns, Seminole, Sumter, Suwanee, Union, and Volusia

Access to online, mobile, and text banking is included at no cost with a Vystar standard account.

Chime is not a bank but rather a financial technology firm. The Bancorp Bank N.A. offers banking services, including a debit card. A Stride Bank, North A Credit Unions That Are FDIC Members Stride Bank, N.A. Credit Builder Card A

Chime customers may incur fees when using an ATM outside of their network if they withdraw cash from a machine that does not belong to their network.

Direct deposit funds may be available sooner if the payer submits the payment file sooner. If the payment file is received by Chime earlier than the scheduled payment date, the funds may be made available as soon as that day.

You must have had a single direct deposit to your checking account of $200 or more in order to apply for Credit Builder. You can use either an Automated Clearing House (ACH) deposit or an Original Credit Transaction (OCT) from your employer, payroll service, gig economy payer, or benefits payer to meet the requirements for a qualifying direct deposit. One-time direct deposits, such as tax refunds, mobile check deposits, cash loads, and ACH transfers between banks are all examples of direct deposits. deposits that Chime determines are not qualified direct deposits are not qualified direct deposits

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