Non ChexSystems Banks & Credit Unions in Arizona

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

Listed in ChexSystems or have bad credit? BBVA Compass approves customers in ChexSystems for their ClearChoice 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 Arizona 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 1st Convenience Bank
Form of VerificationTHEY DO NOT USE CHEXSYSTEMS OR TELECHECK.
Special Notes

I was able to benefit greatly from your list. I was able to get an account from First Convenience bank. They did not do a check what so ever. Thanks again for your help. It is greatly appreciated.

Email from Bank

We do not use ChexSystems, TeleCheck, or the like to determine the approval or decline of new accounts. The approval or decline of a new account is based on the customer’s history with our banking institution and is at the discretion of the banking branch location where you choose to bank.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Chandler, Goodyear, Mesa, Scottsdale.

Name of Bank TCF Bank
Form of VerificationChexSystems
Special Notes

I actually called the 1800 number and they told me that as long as you don't owe TCF any money, anybody can open an account.

DO NOT APPLY FOR THIS ACCOUNT IF YOU HAVE BEEN REPORTED TO EWS, THE ACCOUNT MAY BE OPENED BUT WILL LATER BE CLOSED.

Membership Information

Many people have been able to get accounts with TCF. They use ChexSystems but are extremely lenient, definitely worth a chance.

None with any of the following:

  • Direct Deposits totaling $100+
  • $500 minimum balance $2,500 Combined Deposit Balances, otherwise $9.95 monthly fee
Email from Bank

I went to the Tempe Marketplace Branch and the girl was really friendly and knowledgable.

-------------------------------- YES! TCF Bank in AZ, I was able to open the account, just received my checks and ATM card in the mail. I was able to open the account online with only 25.00 to start. Now my paychecks should startdirect depositing in the next week or so. Thank you sooo much for the help.

Types of Accounts OfferedPersonal checking, savings and business checking
Name of Bank BBVA Compass Bank
Form of VerificationTelecheck , EWS, and a credit report
Special Notes

PLEASE NOTE THAT COMPASS BANK NOW USES EWS. PEOPLE HAVE BEEN TURNED DOWN DUE TO EWS, DO NOT APPLY FOR THIS ACCOUNT BEFORE SEEING IF YOU HAVE A REPORT ON EWS. Others have been approved and later closed.

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
  • Phoenix
  • Scottsdale
  • Tucson
Name of Bank Canyon State Credit Union
Form of VerificationChexSystems
Special Notes

If you have a record on ChexSystems due to an unpaid closure or NSF activity, Canyon State Credit Union may be able to help!

  • you must complete an online course called inbalance
  • there is a monthly fee for this account of $10.00 you can only have 1 unpaid charge off on the ChexSystems report
Membership Information

Most Arizona residents (if you live, work or worship in almost any area in Arizona, you're eligible) see web site for ZIP codes.

Email from Bank

Thank you for contacting Canyon State Credit Union. In regards to our new accounts we do use Chex Systems. If you were reported to Chex Systems you might still be able to open a savings account with us and we also offer second chance checking if you have only one unpaid closure. 10.00 monthly fee.

Types of Accounts OfferedSecond chance checking
Locations

Phoenix, Tucson, Goodyear Tempe, and Payson.

Name of Bank Bank Of Arizona
Form of VerificationChexSystems
Special Notes

CHEX MUST BE PAID NOT SHOW FRAUD.

AFTER 1 YEAR CAN CONVERT TO REGULAR CHECKING.

Email from Bank

Thank you for your email. We do offer a Second Chance checking account.

There is a monthly fee for the first year, and then you may qualify for a free checking. For more information, please call our 24-hour ExpressBank at 1-866-492-1339.

Types of Accounts OfferedSecond chance checking
Locations

CALL EXPRESS BANK OR APPLY IN PERSON

Phoenix Area: 1-602-840-7761
Or Outside These Areas: 1-866-492-1339

Main Office
5050 North 44th Street
Phoenix, AZ 85018

Kierland Office Park
6929 East Greenway Parkway Suite 100
Scottsdale, AZ 85254

Tucson Branch
4801 E. Broadway, Ste 100
Tucson, AZ 85711

Name of Bank TUCSON OLD PUEBLO CREDIT UNION
Form of VerificationChexSystems
Membership Information

If you live, work, worship or attend school in the following zip codes you are eligible for membership! 85701 through 85750, 85614, 85621, 85628, 85641 and 85648, and Oro Valley and South Tucson.

Email from Bank

Yes, we can open a Mission checking account. This type of account is offered to member with a record showing on ChexSystems even if any amounts owed are paid. We charge a fee of $20.00 for six months. After that, if the account has been in good standing we will convert to a regular checking.

Types of Accounts OfferedSecond chance checking
Locations

Tucson

Name of Bank Tucson Federal Credit Union
Form of VerificationChexSystems
Special Notes
  • No minimum balance
  • Free Online Banking
  • Free Visa Check Card
  • Direct Deposit
  • After 12 months of successfully maintaining your Second Chance Checking Account, you will be automatically upgraded to a TFCU Free Classic Checking Account.

You will also qualify for a $500 Classic Visa credit card. Second Chance Checking offers you the opportunity to take your first step towards financial freedom.

In order to sign up for a Second Chance Checking Account you must:

  • Be at least 18 years of age
  • Have no past fraud activity or balances owing on ChexSystems, Inc.
  • Have no balance due to a TFCU charge-off Have no current delinquency with TFCU
Membership Information

On April 21, 2006, the National Credit Union Administration approved TFCU as a "Community Chartered" credit union. Our change to a "Community Charter" will allow us to serve anyone who lives, works, worships, volunteers, or attends school in Pima County and their immediate families and household members.

Email from Bank

To open a Savings account we will not pull a credit score or check with ChexSystems. We only pull a credit report for a checking account, and if you want to apply for a ATM card for the Savings account. For a Checking account we will check with ChexSystems and pull a Credit Report to verify a credit score of at least 550 for a regular checking, or below 550 for a Second Chance Checking.

Types of Accounts OfferedSecond chance checking
Locations

Mid-Town 3801
E. Speedway Blvd.
Tucson, AZ 85716-4021
Phone: (520) 795-8520
Fax: (520) 320-0715

West 3755 S. Mission Rd.
Tucson, AZ 85713-5624
Phone: (520) 795-8520
Fax: (520) 294-7029

Sahuarita (inside Fry's Marketplace)
15950 S. Rancho Sahuarita Blvd.
Sahuarita, AZ 85629
Phone: (520) 795-8520
Fax: (520) 784-7392

East 8145 E. 22nd St.
Tucson, AZ 85710-8594
Phone: (520) 795-8520
Fax: (520) 886-5993

Northwest 7216
N. Oracle Rd. Tucson, AZ 85704-6303
Phone: (520) 795-8520
Fax: (520) 531-8402

Marana (inside Fry's Marketplace)
12100 N. Thornydale Rd.
Marana, AZ 85653
Phone: (520) 795-8520
Fax: (520) 784-7399

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

For best results debt to reporting bank(s) should be paid and not indicate fraud.

Membership Information

If you live, work or worship in Coconino County you are eligible to open an account.

Email from Bank

As long as the item is paid in full and you live, work or worship in Coconino County you are eligible to open an account.

Types of Accounts OfferedPersonal checking and savings
Locations

2215 East 7th Avenue
Flagstaff Arizona 86004

2800 S. Woodlands Village Blvd
Flagstaff, AZ 86001

112 6th Avenue
Page Arizona 86040

Name of Bank HUGHES FEDERAL CREDIT UNION
Form of VerificationChexSystems
Special Notes

THEY OFFER SECOND CHANCE CHECKING AS LONG AS ALL DEBT HAS BEEN PAID.

Membership Information

You can now join if you live, work, worship or attend school in Tucson.

Types of Accounts OfferedSecond chance checking
Locations

Tucson

Name of Bank U.S. Bank
Form of VerificationChexSystems
Special Notes

It has been reported that if your report is 21/2 yrs or older, they will not even see it. If this is your situation you can apply online, if not, you would need to visit an “in store” branch.

Most US banks “in store” branches are giving accounts to most people on ChexSystems. These are regular accounts, not 2nd chance checking...as long as you do NOT owe US Bank money and you are not reported on your ChexSystems report for any kind of "fraudulent activity"

There are some branches that are still not using this policy so it might be a good idea to call a branch local to you and ask about their policy first before going in.

Some “in store” branches have signs that actually says “ChexSystems? no problem!”… yet others will not open accounts at all. People are approved everyday.

Some branches do offer 2nd chance checking and some have been able to open business accounts when all debt to reporting bank(s) are paid and fraud is not indicated.

Types of Accounts OfferedPersonal checking, savings and business accounts
Name of Bank Conchise Credit Union
Special Notes

I asked if they use ChexSystems, TeleCheck, EWS, or a credit report. (see email).

Membership Information

If you live or work in Willcox, Pearce, Cochise, Bowie, or San Simon (85643/85644, 85625, 85606, 85605, 85632 respective ZIP codes), you may be eligible to join Cochise CU.

Email from Bank

We don't use any of those places.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

Wilcox

Name of Bank TruWest Credit Union
Form of VerificationChexsystems and a credit report
Special Notes

Are you finding it difficult to get approved for a checking account?

At TruWest, we understand that sometimes life is not perfect and we want to help you make a fresh start. We have options for everyone — even if you have been turned down for checking accounts in the past. With TruWest’s Opportunity Checking, you’ll enjoy features such as:

  • Unlimited check writing
  • No per-check charges
  • Low monthly service fee
  • Free Online Banking
  • ATM Cash Card or Reloadable Prepaid Debit Card (with Visa® logo) In addition, you can apply for other TruWest checking accounts after 12 months or six months by completing a free Checking Account Management education course.
Membership Information
  • Anyone who lives or works, or any business located in Maricopa County, Arizona.
  • Anyone who lives or works, or any business located in the designated ZIP codes in Pinal County. (See Eligible Arizona ZIP Codes table below).
  • Anyone who lives or works in the Riata Apartment Community in Austin, TX.
  • Anyone who lives, works, or attends school in Travis County or Williamson County, TX.

Eligible Arizona ZIP Codes:

All of Maricopa County & the following ZIP Codes within Pinal County:

  • 85212
  • 85218
  • 85219
  • 85220
  • 85239
  • 85242
  • 85247
  • 85248
  • 85249
Email from Bank

Thank you for your inquiry. When someone applies for a new membership or checking account we pull ChexSystems and qualify the applicant based of of the information supplied by ChexSystems.

We do also pull credit, but it is not used to qualify for membership. If there is any concern with your ChexSystems report, we do offer our Opportunity Checking account which

allows people who have had issues in the past to establish a checking account.

Your ChexSystems entry has to be less than $500 and over a year old to be approved for the Opportunity checking.

Types of Accounts OfferedSavings and second chance checking
Locations

52nd St. Community 5136 E. Roosevelt St.
Phoenix, AZ 85008

Dobson & Elliot 2990 N. Dobson Rd.
Chandler, AZ 85224

Dobson & Main 1982 W. Main St., Suite #104
Mesa, AZ 85201

Gilbert 207 E. Williams Field Rd., Ste. 104
Gilbert, AZ 85296

McCormick 7333 Via Paseo Del Sur
Scottsdale, AZ 85258

Priest & Warner 1345 W. Warner Rd.
Tempe, AZ 85284

Superstition Springs 6550 E. Superstition Springs Blvd.
Mesa, AZ 85206

Name of Bank Bank of the West
Form of VerificationChexSystems
Special Notes

The manager told me its called "Fresh Start".

Your last entry into ChexSystems must be older than one year.

Cannot say Fraud.

$10 a month.

Types of Accounts OfferedSecond chance checking
Name of Bank Altier Credit Union
Form of VerificationCredit report
Membership Information

Persons who live, work, worship, or attend school in, and businesses and other legal entities located in:

Maricopa County, Arizona.

Zip codes 86040, 86036, 86053 (Page, Arizona).

Zip codes 86502, 85936, 85938, 85937, 85935, 85901, 85924, 85925 (in and around St Johns, Arizona).

Email from Bank

We use Experian

Types of Accounts OfferedPersonal checking and savings accounts
Locations

1511 Project Drive
Tempe, AZ 85281

6846 E Warner Road
Mesa, AZ 85212

449 Haul Road
Page, AZ 86040

221 N. 79th Avenue
Tolleson, AZ 85353

P.O. Box 2447
St Johns, AZ 85939

Name of Bank Arizona State Credit Union
Form of VerificationDeluxe Detect
Special Notes

YOU MUST apply for an account in person if you apply online they use ChexSystems.

Membership Information

As long as you are a resident in Arizona you qualify to be a member at Arizona State Credit Union.

Email from Bank

We use both operating systems when opening accounts. If you apply for an account through our online database “ChexSystems” will be used. However, if your request is processed over the phone or at a branch we use a service called “DeluxeDetect”.

Types of Accounts OfferedPersonal checking, savings and business accounts
Name of Bank Great Western Bank
Form of VerificationChexSystems
Special Notes

It has been reported that as long as your report is a year or older, they will open an account. Fraud should not be indicated on the report for the best results and preferably:

  1. only one reporting bank
  2. debt to reporting bank is paid
  3. best to open the account over the phone
Email from Bank

Thank you for your inquiry. If your ChexSystems record is more than a year old than it will be considered, but it is still not guaranteed that an account would be opened. The best thing to do would be to come in to a branch location, sit down and talk with a Personal Banker, and have them pull the ChexSystems report. You can discuss with them at that time, the items that mat appear on that report and whether or not the account could be opened, or what your options are.

Great Western branch which I live right next to said their threshold is 1 year; that is, any reported information older than 1 year will not be a bar against opening an account. And they run it over the phone instead of online because, according to them, phone inquiries are more accurate and current. Because I'm clear and they ran it over the phone, I was good to go! Running via computer usually gets me declined, even though I'm clear.

Types of Accounts OfferedPersonal checking, savings and business accounts
Name of Bank Western State Bank
Form of VerificationCredit report
Special Notes

I also called to verify and no they do not run ChexSystem but she wasn't sure if they ran Experian or TransUnion.

Email from Bank

Thank you for inquiring about our accounts. Yes, we do run a credit report when you open a checking account and to open a savings account we do not.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Chandler

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

They will allow anyone reported to ChexSystems to open a SAVINGS ONLY and after 1 year, you can open a checking.

Membership Information

The new Community Charter means that we now serve all of Maricopa County; which includes persons who live, work, worship or attend school in, businesses and other legal entities in Maricopa County; their immediate family members; volunteers in the community; and members of record of SunWest Federal Credit Union as of August 11th, 2003 (date of conversion to Community Charter). We welcome all qualified members to the SunWest FCU family and we are always here to serve the most important asset we have - our members.

Types of Accounts OfferedPersonal checking and savings accounts

    More Non-ChexSystems Banks in the U.S.

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