How to Get a Checking Account Without a Credit Check
People with bad credit can sometimes lack the means to obtain a standard bank account, but as of 2009 some banks offer checking accounts to individuals with negative credit scores or without running the scores at all. Other options for people with bad credit are prepaid deposit accounts and prepaid cards. These accounts do not allow transactions larger than the balance, so it is impossible to incur an overdraft fee. The cards are issued by a number of institutions, so you can compare the benefits and drawbacks of each account. Some deposit accounts are even offered by employers.
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Instructions
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Checking Accounts
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Run a ChexSystems report. Banks that do not check credit scores will run an inquiry against this report that shows prior bank history. Settle any negative marks from this report before attempting to secure a bank account.
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Research accounts that are touted as not needing a credit check. Specifically look into accounts that are named "second chance" checking or "no credit" checking. Ensure that the account will have the features necessary, such as online banking or a debit card linked to the account.
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Check the bank's track record with the Better Business Bureau and ensure that they are insured by the FDIC. Many banks that advertise online are not registered with either agency. Deposit money in accounts only once you've checked that the bank is insured and not scamming other customers.
Deposit Accounts and Prepaid Cards
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Check with your employer to see if they offer a direct deposit card or deposit card, as many payroll companies offer this as a benefit to employers for little or no cost to the employee.
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Check with banks to see if they offer a deposit account service or prepaid debit card in your area. Many major banks offer these service for people that cannot obtain a checking account. Select prepaid cards based on benefits offered, such as cash back on purchases.
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Compare deposit accounts and prepaid cards carefully and research all options. Don't sign up for a deposit account with fees, as most banks offer this service for free. Prepaid cards will often require a fee, but it will be nominal and occur on a regular basis, rather than per transaction.
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Ensure that the bank backing a deposit account is FDIC insured. If the bank goes under, you don't want to lose the funds in the deposit account.
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Use prepaid cards to pay bills and make purchases. Cards with a major credit card brand are secured in the event of unauthorized use.
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Tips & Warnings
Authorize the deposit of a small amount into any new account to prevent the loss of excess money due to a scam.
