Non ChexSystems Banks & Credit Unions in Alaska

Free (Second Chance) Checking Account at BBVA Compass is Available in Alaska!

Listed in ChexSystems or have bad credit? BBVA Compass approves customers in ChexSystems for their ClearConnect Free Checking Account.


Account Benefits
Free Checking

There is no monthly service charge plus you can enjoy online and mobile banking, free bill pay and unlimited check writing.

Not a ChexSystems Bank

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

Visa Debit Card included

Use your BBVA Compass Visa® Debit Card fee-free at any BBVA Compass and Allpoint ATM's.

Bad Credit? No Problem

Even if you have a poor credit history, BBVA will approve you for a Second Chance Checking account with the same great features for a low monthly fee.

Right now, a guaranteed bank account at BBVA is the only trusted option for customers listed in ChexSystems or looking for a Second Chance Checking 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 Alaska 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 Northrim Bank
Special Notes

Email from person that got an account: I opened an account with Northrim today, THANK YOU SO SO MUCH!!!

Email from Bank

Northrim bank does not use a company to verify a person that is opening a checking or savings account. We would require a valid piece of verification, for example, a passport or DL that is not expired so that we can verify who you are. You must be at least 18 years old to open an account, if not a parent could open an account and trust for you.

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

Anchorage, Eagle River, Wasilla, and Fairbanks.

Name of Bank True North Federal Credit Union
Form of VerificationCredit report and ChexSystems
Special Notes

ANY member can open a savings regardless of ChexSystems and they do offer second chance checking.

Membership Information

See web site

Email from Bank

To open a savings you just have to qualify under one of our charters. So if you work for the state, have a relative who is already or has been a member of True North, or currently reside in Juneau then you will qualify for a savings account.

  • True Options (S74)
  • $10 Monthly fee
  • Free Express PC/Home Banking
  • Free Express Teller/Audio Response access
  • Express Deposit/Direct Deposit/ACH
  • Free VISA Check Card on approved credit
  • No dividends paid on this account type

A fresh start checking account for those who may have had credit or checking difficulties in the past and wish to rebuild their credit.

Types of Accounts OfferedSecond chance checking
Locations

Juneau, Anchorage, and Fairbanks.

Name of Bank Spirit of Alaska Federal Credit Union
Form of VerificationChexSystems
Special Notes

They do use ChexSystems but if the debt to the reporting bank(s) is paid and the report does not indicate fraud you can still get an account. Anyone that has a membership can get a savings regardless of ChexSystems.

Membership Information

Any person who lives, works, or worships within the Fairbanks North Star Borough to join the credit union.

Email from Bank

You would be able to open a savings. Once the reports are reviewed by the supervisor then a decision would be made regarding eligibility for a checking account.

Types of Accounts OfferedPersonal checking, savings and business checking
Locations

1417 Gillam Way
Fairbanks, AK 99701

4001 Geist Road
Fairbanks, AK 99709

Wood Center, UAF Campus
Fairbanks, AK 99709

407 Old Steese Highway
Fairbanks, AK 99701

Name of Bank Matanuska Valley Federal Credit Union
Form of VerificationChexSystems
Special Notes

Fraud must not be reported and it must be paid.

Membership Information

Anyone living in, or working within, the Mat-Su Borough or the Matanuska Electric Association service area can join the Matanuska Valley Federal Credit Union. This includes Eagle River, Chugiak, Birchwood, and Eklutna.

Email from Bank

I am responding to your question you had emailed to Al Strawn regarding opening a new account if you have been reported to ChexSystems.

Depending on the reason you were reported to ChexSystems, we may be able to open an account for you. If you were reported for NSF activity and it has been within 1 year we can open a share savings account for you.

If you were reported more than 1 year ago for NSF activity we can open a share checking and share savings account for you. There could be some limitations to additional services if an account was opened with us and we experience any NSF activity on the account.

Types of Accounts OfferedPersonal checking and savings
Locations

1020 S. Bailey St.
Palmer, Alaska 99645

Name of Bank MAC Federal Credit Union
Form of VerificationChexSystems
Special Notes

For best results, debt to reporting banks should be paid and report should not indicate fraud.

Membership Information

Persons who live, work, worship, or attend school in the Fairbanks-North Star Borough, and businesses and other legal entities located in the Fairbanks-North Star Borough.

Email from Bank

As long as it is reporting as paid OR you provide us with the proof that it has been paid then you will be able to open a checking account with us.

If you are only looking for a savings account then we don’t pull ChexSystems at all.

Types of Accounts OfferedPersonal checking and savings
Locations

3700 Santiago Ave.
Ft. Wainwright, Alaska 99703

541 10th Ave
Fairbanks, Alaska 99701

Name of Bank Mt. McKinley Bank
Form of VerificationChexSystems
Special Notes

Any member can get a savings account.

Email from Bank

We would open a savings account only, you also could not have an ATM card.

Types of Accounts OfferedSavings only if you have been reported to ChexSystems
Locations

Fairbanks, North Pole, and Delta Junction.


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