How to Find Non Chexsystems Banks Free

Finding non chexsystems banks can be difficult, especially when around 80 percent of banks use the consumer reporting system. Hundreds of sites claim to offer "lists" of non chexsystems banks, some for hundreds of dollars. Luckily, there are several ways you can go about finding this information for yourself, for free. Learn how to find out which non chexsystems banks are available in your specific area, without paying a dime.

Difficulty:

Easy

Instructions

1. 

   Contact local bank branches in your area and ask if they have second chance checking accounts available. Many times, local banks will offer these programs for people in the chexsystem, or they may be non chexsystems banks themselves. If you are uncomfortable contacting the bank directly, perform a Google search for the name of the particular bank and the word "chexsystem". This will often give you some insight into their status as non chexsystems banks.

2. 

   Search the web for online checking accounts. Online banks are almost always non chexsystems banks and function just like a real bank without the local branches. You can mail in checks for deposit, get a debit card to withdraw your funds, and use real checks. These are not second chance checking accounts, but real bank accounts that anyone can open.

3. 

   Check local credit unions in your area. Credit unions don't always use chexsystems, and this can be a viable alternative to a bank. The accounts function exactly like other checking accounts, with debit cards, checks, ATM withdrawals, and deposits at local branches. Contact the credit union directly to inquire, or perform research online as described above. Some credit unions may also offer second chance checking accounts.

4. 

   Apply at local branches online. Many banks, such as Bank of America and Chase Bank, allow online application for checking accounts. By applying this way, you'll be able to quickly find out if they are non chexsystems banks, and avoid the embarrassment of being denied in person. Visit websites of all the local banks in your area and find out if they allow online applications.

Tips & Warnings

• If applying online for local branches, you may be required to fax or mail in signed security agreements. However, this will only be necessary once you are approved for the account. If you receive an email asking for documents to be signed and mailed, you can rest assured you have found a non checksystem bank. The worst that can happen is receiving an email advising that you have been declined.

• If you decide to go with an online bank, make sure they are insured by the FDIC. You may or may not run into trouble down the road with uninsured non chexsystems banks, but its always better safe than sorry.

• Never pay for a list of non chexsystems banks. These lists are frequently outdated, and outright inaccurate. There are plenty of free ways to find non chexsystems banks without handing over your hard earned money.