Non ChexSystems Banks & Credit Unions in Alabama

Non-ChexSystems Bank Account at BBVA Compass is Available in Alabama!

Listed in ChexSystems or have bad credit? BBVA Compass approves customers in ChexSystems for their ClearChoice Money Market bank account.


Account Benefits
Not a ChexSystems Bank

Unlike most other banks and credit unions, BBVA does not run ChexSystems for customer verification.

Easy, Convenient Online Banking

Keep an eye on your accounts, transfer money and pay your bills with free online banking.

Pay Your Bills On Time the Easy Way

Never miss another bill payment again. With free bill pay online, you can schedule one-time or recurring payments to individuals or businesses.

Free ATMs

No ATM transaction fee for withdrawals and deposits at BBVA ATMs.

 

Right now, a guaranteed bank account at BBVA is the only trusted option for customers listed in ChexSystems or looking for a second chance bank account. With a high approval rate and excellent features and conditions, this is a fantastic opportunity to rebuild your credit.

Local Banking Options

Following is the web’s most comprehensive list of banks and credit unions in Alabama which do not use ChexSystems and which may approve you for a bank account.

Please note that any unsuccessful attempt to open an account may have a negative impact on your credit history and score.

To avoid this, please check if our proven, guaranteed approval solution is available in your area (listed above).

This list also contains email responses from banks as well as applicants’ personal experiences and comments. This page is updated regularly, so please consider adding it to your bookmarks.

Name of Bank Renasant Bank
Form of Verification2 forms of ID
Special Notes
  • they do not use ChexSystems
  • 2 forms of ID are needed
  • $50.00 deposit to open the account

Yes I did get an account actually!

Renasant Bank is the name!!

Thanks for everything!!

Email from Bank

If you have no outstanding balance at Renasant Bank, you can open an account.

Types of Accounts OfferedPersonal checking, savings, and business
Locations

Birmingham, Decatur, Huntsville, Madison, and Trussville.

Name of Bank America's First Federal Credit Union
Form of VerificationCredit report and ID
Special Notes

An E-Z Debit Plus Account is a checking account designed for members who may not qualify for a traditional E-Z checking account. This account allows you to deposit and withdraw funds electronically with a Visa® debit card or by check. You may have your paycheck directly deposited into the account, or may deposit cash, cashier's checks, money orders, government checks and income tax refunds, and approved company payroll checks. You may also transfer funds other deposit accounts using FlashTalk or EasyLink.

You are issued a Visa® debit card that allows you to withdraw funds at ATMs across the nation and at millions of location worldwide. Checks may be written each month with no “per item” fee.

Service Fees for EZ Debit Plus Account are as follows:

  • The cost of the account is $7.00 per month
  • $2.00 for each in-person cash withdrawal
  • $2.00 for each $100 purchased in traveler's checks.

There is NO charge for FlashTalk telephone account access or EasyLink online account access, cross-linked account transactions, or accessing your account at one of our ATMs or at participating merchants.

Membership Information

You can become a member if you live, work, worship or attend school in one of the following counties in Alabama:

  • Bibb
  • Blount
  • Chilton
  • Jefferson
  • Shelby
  • St. Clair
  • Walker

You are also eligible if you live, work, worship or attend school in Calhoun County or certain areas of Mobile and Talladega counties.

Email from Bank

Any members can open a savings. However for checking it is based on the Equifax Credit report. A score of 600 or above is required for a free checking. If your score is below that they would offer you the Easy Debit Checking which is the same as the free regular checking other than they would charge you a $7.00 monthly fee.

Types of Accounts OfferedPersonal checking and savings
Locations

Anniston
Plaza 200 South Quintard
Anniston, AL 36201

Bessemer
2131 19th Street North
Bessemer, AL 35020

Cullman
300 4th Avenue South West
Cullman, AL 35055

Downtown
1200 4th Avenue North
Birmingham, AL 35203

Ensley
1819 20th Street Ensley
Birmingham, AL 35218

Forestdale
1918 Veterans Memorial Drive
Birmingham, AL 35214

Gardendale
1039 Mt. Olive Road
Gardendale, AL 35071

Hueytown
3052 Allison Bonnett
Memorial Drive
Hueytown, AL 35023

Hoover
3312 Old Columbiana Road
Birmingham, AL 35226

Inverness
#2 Inverness Center Parkway
Birmingham, AL 35242

Lakeshore
110 Frankfurt Circle
Birmingham, AL 35211

Leeds
1795 Ashville Road
Leeds, AL 35094

Mobile
1050 Montlimar Drive
Mobile, AL 36609

Pelham
10 Racquet Club Parkway
Pelham, AL 35124

Roebuck
724 Crow Drive
Birmingham, AL 35215

Talladega
801 North Street East
Talladega, AL 35160

Trussville
1910 Gadsden Hwy
Trussville, AL 35235

Name of Bank Merchants Bank
Form of VerificationTeleCheck
Special Notes

I called and verified that they do use TeleCheck and not a credit report.

Types of Accounts OfferedPersonal checking, savings and business checking
Locations

Jackson, Grove Hill, Mobile, and Thomasville.

Name of Bank Alabama Central Credit Union
Form of VerificationCredit report
Membership Information

Membership is now open to anyone that lives, works, attends school or church in any of these Alabama Counties:

  • BALDWIN
  • LIMESTONE
  • BIBB
  • LOWNDES
  • BUTLER
  • MARENGO
  • COLBERT
  • MARION
  • CONECUH
  • MOBILE
  • COVINGTON
  • MONROE
  • CRENSHAW
  • MONTGOMERY
  • FRANKLIN
  • MORGAN
  • GREENE
  • SHELBY
  • HALE
  • SUMTER
  • JEFFERSON
  • TUSCALOOSA
  • LAUDERDALE
  • WASHINGTON
  • LAWRENCE
  • WILCOX
Email from Bank

The tellers pull credit reports on all new accounts.

Types of Accounts OfferedPersonal checking and savings
Locations
  • Birmingham
  • Decatur
  • Florence
  • Homewood
  • Mobile
  • Muscle Shoals
  • Russellville
  • Tuscaloosa
Name of Bank Alabama Telco Credit Union
Form of VerificationCredit report
Special Notes

You must have a credit score of 600 or above with an approved credit history.

Membership Information

All people who live, work, worship or attend school in the following counties are eligible for membership:

  • Autauga
  • Baldwin
  • Calhoun
  • Coffee
  • Elmore
  • Geneva
  • Houston
  • Jefferson
  • Madison
  • Mobile
  • Montgomery
  • Pike
  • Shelby
  • St. Clair
  • Talladega Tuscaloosa

Email from Bank

Alabama Telco Credit Union uses Equifax, the credit reporting agency.

Types of Accounts OfferedPersonal checking, savings and business checking
Locations

Riverchase (Corporate Office)
1849 Data Drive
Birmingham, AL 35244-1202

Chelsea
15660 Highway 280
Chelsea, AL 35043

Colonnade
3439 Colonnade Parkway, Suite 100
Birmingham, AL 35243

Downtown
613 19th Street North
Birmingham, AL 35203

Helena (Coming Fall 2008)
4849 County Highway 52 West
Helena, AL 35080

Homewood
103 Oxmoor Road
Birmingham, AL 35209

Hueytown
148 River Square Plaza
Hueytown, AL 35023

Pelham
3016 Pelham Parkway
Pelham, AL 35124

Trussville
2150 Gadsden Highway
Birmingham, AL 35235

Dothan
2378 West Main Street
Dothan, AL 36301

Dothan (S.E. AL Medical Center) Branch
1144 Ross Clark Circle
Dothan, AL 36301

Geneva
309 West Maple Avenue
Geneva, AL 36340

Huntsville
2207-B University Drive, N.W.
Huntsville, AL 35816

Mobile
809 Downtowner Blvd.
Mobile, AL 36609

Montgomery
1451 Eastern Boulevard
Montgomery, AL 36117

Oxford
1209 Snow Street Oxford, AL 36203

Name of Bank Florence Federal Credit Union
Form of VerificationCredit report
Membership Information

In March, 2001 NCUA granted a Community Charter to the Credit Union. It states that any person who lives, works, worships, or attends school in, and businesses and other legal entities located in Colbert and Lauderdale Counties are eligible for membership.

Email from Bank

We use credit reports and look at the overall credit.

Types of Accounts OfferedPersonal checking and savings
Locations

1505 North Pine St.
P.O. Box 2817
Florence, Al 35630

501 E. Tennessee St.
Florence, Al 35630

Name of Bank Guardian Credit Union
Form of VerificationCredit report
Special Notes

To become a member here you have to open a share account with $25.00 it is kind of like a savings account. The $25.00 is the minimum required amount and it has to stay in the account at all times. To open a checking account we do have to have those approved through management so at that point we have to pull your credit report and they have to look over it. If the checking account is approved then it is $25.00 to open that also.

Membership Information

Everyone who works, worships, attends school in, or resides in Montgomery, Autauga, Elmore, Chilton, Coosa, Tallapoosa, Lee, Russell, Macon, Crenshaw, Butler, and Lowdnes Counties is now eligible for membership at Guardian Credit Union.

Email from Bank

We do not run any checks for a savings account. However, we do use a credit report in the approval process for the checking account. There is not a certain credit score, but rather what is on the report that counts. The score only plays a small part in the determination of the account approval. As a rule of thumb 600-700 is a regular checking account, 500's are either checkless checking or regular, and high 400's are checkless checking or no checking.

Types of Accounts OfferedPersonal checking, savings and business checking
Locations

1789 Cong. W.L Dickinson Drive
Montgomery, AL 36109

102 Interstate Court
(behind Ruby Tuesday)
on Hwy 14, just off I-65

530 Pugh Street
Montgomery, AL 36104

Name of Bank TVA Federal Credit Union
Form of VerificationID and an Equifax report
Membership Information

SPECIAL MEMBERSHIP ELIGIBILITY NOTICE: People who live, work, go to church, or attend school in Colbert, Lauderdale, Limestone, Marshall, Morgan, Lawrence, and Franklin Counties are now eligible for membership at TVA Credit Union.

Email from Bank

We do run a credit report for a checking account and a score of 600 or higher is required.

Types of Accounts OfferedPersonal checking and savings
Locations

TVA Reservation
Muscle Shoals, AL 35661

406 N. Mall Court
Florence, AL 35630

425 Cox Blvd.
Sheffield, AL 35660

150 Brush Creek Rd.
P. O. Box 398
Killen, AL 35645

10835 Shaw Road
Athens, AL 35611

303 E. Dr. Hicks Blvd
Florence, AL 35630

616 E. Hobbs St.
Athens, AL 35611

Name of Bank Central State Bank
Form of VerificationCredit report
Special Notes

Your credit score needs to be at least 580 to open a checking acct and at least 540 to open a savings.

Membership Information

We use Equifax credit bureau. For a checking account your score must be 580 to open a checking account or 650 to have a checking account with an ATM/Debit Card.

Types of Accounts OfferedPersonal checking, savings and business checking
Locations

Calera and Pelham

Name of Bank BBVA Compass Bank
Form of VerificationTeleCheck, EWS, credit report
Special Notes

If you have been reported to EWS, do NOT apply for this account. The account may be opened but will be closed at a later time.

If you have been reported to ChexSystems and TeleCheck, they do have a second chance account.

Trouble getting a checking account in the past? Get a second chance at BBVA Compass. They have options for everyone — even if you've been turned down for checking accounts due to credit problems or other reasons.

No, this isn't one of those accounts that require a big cash deposit or has outrageous monthly fees.

With Basic Checking you'll enjoy features like these:

  • No minimum balance required
  • Unlimited check writing
  • $13.95 monthly service charge
  • Free online banking
  • Free Visa® Check Card
  • Open your account with as little as $25
Types of Accounts OfferedPersonal checking, savings, and business checking / second chance checking
Locations
  • Birmingham
  • Daphne/Baldwin County
  • Huntsville
  • Mobile Montgomery
Name of Bank Sterling Bank
Form of VerificationCredit report
Email from Bank

We run your information through Equifax, which is one of the credit bureau's. It is a soft hit on your credit.

Types of Accounts OfferedPersonal checking, savings, and business checking
Locations

Montgomery and Prattville.

Name of Bank Park Community Federal Credit Union
Form of VerificationCredit report
Membership Information

Park was approved to become a Community Charted Credit Union, opening its doors to anyone who lives, works, worships, goes to school, or volunteers in Decatur, AL includes selected areas of Morgan County in Alabama. (see web site).

Email from Bank

We do pull a credit report upon opening an account. We do not run ChexSystems, and TeleCheck is a merchant based tool, not a financial institution tool. If your credit score is 575 or higher you will qualify for any of our checking accounts. If the credit score is below a 575 you would qualify for our Fresh Start checking. The Fresh Start requires a direct deposit and has a $12 monthly fee that is assessed the last day of every month. The Fresh Start II does not require a direct deposit and has a $15 monthly fee that is assessed the last day of every month.

If you are put into one of the Fresh Start accounts you will be able to order checks, a free debit card, have access to free online banking and our free 24 hour automated phone line. To apply for an account with us please visit any of our locations and bring with you 2 forms of ID. One form must be a government issued photo ID and the other can be a social security card, pay check stub, current bank statement, membership card (no credit cards) or a utility bill in your name. For a fresh Start checking there is a required $20 initial deposit. If you think you may be opening a Fresh Start checking you would want to bring the $20 as well as the 2 forms of ID.

Once you have been in the Fresh Start account for a year (12 months) and have kept the account in good standing, meaning less than 6 NSF's for the year, you will be able to switch to a different checking account type.

Types of Accounts OfferedPersonal checking, savings, and business checking
Locations

2328 Point Mallard Drive
Decatur, AL 35601

Name of Bank Alamerica Bank
Form of VerificationCredit report, ID
Email from Bank

We require two forms of identification and pulling a credit report is a part of our new accounts procedure.

Types of Accounts OfferedPersonal checking, savings, business checking
Locations

Birmingham

Name of Bank First Southern State Bank
Form of VerificationID
Special Notes

IT HAS BEEN REPORTED THAT THEY DO NOT USE CHEXSYSTEMS, TELECHECK OR A CREDIT REPORT.

Opening deposit $50.00.

Email from Bank

I called and verified that they do not use anything other than proper ID.

Types of Accounts OfferedPersonal checking, savings, and business checking
Locations

80 Bank Street
PO Box 548
Stevenson, AL 35772

20 Micah Way
Scottsboro, AL 35769

Highway 71
PO Box 68
Higdon, AL 35979

403 West Main Street
P.O. Box 2000
Rainsville, AL 35986

1820 Glenn Blvd, SW
P. O. Box 680894
Fort Payne, AL 35967

Name of Bank Woodforest National Bank
Form of VerificationChexSystems and TeleCheck
Special Notes

You must apply in person and they are very friendly to those reported to ChexSystems.

2nd Chance account is $7.95 if you have direct deposit. $9.95 if you do not.

$25.00 one time debit card processing fee There is a 15.00 monthly fee FOR A BUSINESS ACCOUNT.

However, in 6 months or less, the branch determines if you can move to a regular account or open a savings in addition to the second chance account, regular accounts, you can open immediately!

(Complimentary overdraft) requiring no credit will kick in after 30 days. It is $500 for direct deposit or $300 without it.

All deposits are available immediately ALSO! Phone and Online banking are immediate overnight and they're open 7 days! They are VERY friendly and nice to those reported to ChexSystems.

Email from Bank

Before you can open an account with Woodforest National Bank we do run TeleCheck and ChexSystems. If you have any unpaid closures reported by a merchant or another financial institution on either one of these reports you will only qualify for our Second Chance Checking account. You will be able to open an account with us as long as we are able to properly verify your identity and you do not have an unpaid charged off account with Woodforest National Bank.

Types of Accounts OfferedSecond chance checking
Name of Bank TIC Federal Credit Union
Form of VerificationChexSystems
Special Notes

Anyone eligible for membership can get a savings. For a checking, they may approve if:

  1. Debt to reporting bank should be paid.
  2. Fraud should not be indicated on the report.

There should only be one reporting bank.

Membership Information

TIC Federal Credit Union serves anyone who lives, works, worships, volunteers, or attends school in Lee, Russell, and Macon counties in Alabama.

Email from Bank

Anyone as long as they fall in the field of membership can open a savings account however; it depends upon what appears on the ChexSystems that determine if you can open a checking account.

Types of Accounts OfferedSavings and possibly a checking account
Locations

Fort Benning, Columbus

Name of Bank Ameris Bank
Form of VerificationChexSystems
Special Notes

It has been reported by several people that you can open a checking as long as the debt to the reporting bank is paid and there is no fraud listed on the report.

Email from Bank

Yes, you can still open up an account with us if the ChexSystems report states that everything has been paid and cleared.

Types of Accounts OfferedPersonal checking, savings and business accounts
Name of Bank Family Security Credit Union
Form of VerificationChexSystems
Membership Information

Membership is now available to individuals and businesses who live, work, worship, or attend school in the counties we serve across Alabama. Here is a list of counties.

Email from Bank

To establish membership with us, you must first open a Primary Share (Savings) account with a minimum deposit of $25.00. This $25.00 buys you one share of the credit union and makes you a member.

Once you have opened a Primary Share account, then you may open a checking account. Your information will be processed through the ChexSystems Service. If you do not have a delinquent history with the ChexSystems Service, then you may open a no monthly fee checking account. However, if a delinquent history is listed, then we can offer you a Give Me A Break checking account. This account is designed to help members with prior checking account problems re-establish their checking account history. There is a $10.00 monthly fee for this type of checking account and extended holds will be placed on all check deposits (excluding Government issued checks and recognizable payroll checks). Members with a Give Me A Breach checking account can apply for a free checking account after 12 months in good standing (no NSF's or negative balances).

Types of Accounts OfferedSecond chance checking
Name of Bank MAX Credit Union
Form of VerificationDeluxe Detect which is a product of EWS. As long as you are clear with EWS, you can get an account.
Special Notes

They do not use ChexSystems at all.

Membership Information

If you live, work, worship, or go to school in any of the following Central Alabama River Region counties, or have a relative that is a MAX member, you qualify for membership at MAX.

  • Autauga
  • Chambers
  • Crenshaw
  • Lee
  • Montgomery
  • Bullock
  • Chilton
  • Dallas
  • Lowndes
  • Pike
  • Butler
  • Coosa
  • Elmore
  • Macon
  • Tallapoosa
Email from Bank

In order to qualify for membership with MAX, a Deluxe Detect report is reviewed. This report is very similar to the ChexSystems. It is a report reflecting your banking history. We do not request a credit report at this time.

Types of Accounts OfferedPersonal savings, checking and business checking
Name of Bank Listerhill Credit Union
Form of VerificationTeleCheck and Equifax Credit Report
Membership Information

You are eligible for membership if you live, work, or attend school in one of the following counties in North Alabama:

  • Colbert
  • Cullman
  • Fayette
  • Franklin
  • Lamar
  • Lauderdale
  • Lawrence
  • Limestone
  • Marion
  • Morgan
  • Walker Winston
Email from Bank

We do pull a credit report from Equifax when opening a new checking account but not a savings account. We are looking for outstanding balances with TeleCheck not a credit score.

Types of Accounts OfferedPersonal checking, savings and business accounts
Name of Bank Valley State Bank
Form of VerificationEquifax Credit Report
Special Notes

I called and verified they do not use ChexSystems but they do use an Equifax credit report.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Russellville and Red Bay

Name of Bank Mutual Savings Credit Union
Form of VerificationChexSystems
Special Notes

SECOND CHANCE CHECKING

If you’re struggling to open a new checking account and Basic Checking isn’t what you need, Mutual Savings Credit Union can offer you a second chance with Second Chance Checking. This account is designed with the following free features to get you back on the checking track.

  • Home banking
  • Flashtalk
  • Online bill pay
  • Mobile banking
  • E-statements
  • Debit card

With Second Chance checking, you can enjoy the benefits of a checking account – even if you have struggled managing checking accounts in the past. There is a $100.00 opening deposit requirement for Second Chance checking plus a $16.95 monthly service fee.

Second Chance checking can receive your direct deposits and be set up for payroll deduction to automatically make your loan payments. Contact Mutual Savings to open a Second Chance checking account today.

Membership Information

Live, work, worship or attend school within Shelby, Chilton, Dallas or Jefferson County.

Live, work, worship or attend school within a 50-mile radius of Alexander City.

Live, work, worship or attend school within a 30-mile radius of Calera.

Email from Bank

If you are looking to open a checking account, the credit union uses ChexSystems. I don't think that they check ChexSystems if you are only opening a share/savings account.

Types of Accounts OfferedSecond chance checking
Name of Bank Four Seasons Credit Union
Form of VerificationChexSystems
Special Notes

For people having a paid charge-off or insufficient balance with us, or for people who have a record on ChexSystems, this is your second chance to have a checking account. Our Second Chance Checking Account requires no minimum balance, has no per check charge, and comes with overdraft protection! After one year with no insufficient items, the account may be upgraded to a normal account.

There is a monthly service fee on this account.

Membership Information

If you live, work, worship, or attend school in Lee County.

Types of Accounts OfferedSecond chance checking
Name of Bank Union State Bank
Form of VerificationTotal ID through TransUnion to verify identity
Email from Bank

We normally do a Total ID through the credit bureau not a credit report.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Ashville, Birmingham, Cedar Bluff, Centre, Pell City. Hoover, Pelham, Pell City, Pleasant Grove, Trussville.

Name of Bank Jefferson Credit Union
Form of VerificationTeleCheck
Special Notes

I opened a savings and checking with them 2 weeks ago. 2 forms of ID, Credit Pull from Equifax. $5.00 for savings/membership and $25.00 to open a checking account. No Chex or EWS. I hope that helps anyone.

Membership Information

Residents and workers in the Alabama counties of Jefferson, Shelby, Bibb, Tuscaloosa, Walker, Blount and St.

Email from Bank

Yes, we verify address to make sure a savings account can be opened. We also use TeleCheck for checking accounts to determine if we are able to open one for you. As long as you live, work, worship, or attend school in the surrounding counties to us, you are eligible.

Types of Accounts OfferedPersonal checking and savings accounts

    More Non-ChexSystems Banks in the U.S.

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