Non ChexSystems Banks & Credit Unions in California

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

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 California 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 California Coast Credit Union
Form of VerificationChexSystems
Special Notes

Debt to reporting bank(s) must be paid and report should not indicate fraud.

Membership Information

Anyone in CA can get an account here. Membership is open to anyone who lives, works or worships within the counties of San Diego or Riverside. Those outside of the area may qualify by joining the California State PTA. A one time $5 membership fee is required to join, giving you access to all the benefits of membership.

Email from Bank

We do have a Fresh Start Checking account available to those who qualify for membership depending on what has been reported to ChexSystems.

For example, we cannot open the Fresh Start Checking if you are reported for "monies owing" the other financial institution.  We do have to verify membership eligibility to join the credit union, review your identification, as well as credit report and Chex Systems report to determine if a Fresh Start checking can be opened. Certain types of ChexSystems records and certain credit report information may prevent us from opening these accounts.

The Fresh Start Checking does have a $7.50 monthly service charge and can be established with a minimum $25 to open the account. In addition a $5 membership fee is required to join the credit union as well.  This product is now available at any of our branch offices.

Types of Accounts OfferedSecond chance checking
Name of Bank 1st United Service Credit Union
Form of VerificationCredit report
Special Notes

Email from person that got an account:

I applied with 1st United Services Credit Union and was approved.

Membership Information

Anyone who lives, regularly works, or attends school in Alameda, Contra Costa, or Kings Counties California, as well as any and all businesses, corporations, organizations, or associations located in such counties.

Email from Bank

Thank you for your email. Experian Credit report is run on all account openings and ChexSystems is run on all FICO score under 600.

Types of Accounts OfferedPersonal checking and savings
Locations

805 Marina Village Parkway
Alameda, CA 94501-1035

468 3rd St
Oakland, CA 94607

2175 Milvia Street
Berkeley, CA 94704-1112

556 Bailey Rd
Pittsburg, CA 94565-430

3365 Castro Valley Blvd
Castro Valley, CA 94546

5901 Gibraltar Dr North
Pleasanton, CA 94588

5255 Mowry Ave, Suite N
Fremont, CA 94538

1380 San Pablo Ave
Rodeo, CA 94572

2500 Mowry Ave
Washington West, Suite 105

600 Bancroft Ave
San Leandro, CA 94577-2904

111 Review Way
Hayward, CA 94544-1224

33131 Alvarado Niles Road
Union City, CA 94587

1225 Fallon St, Suite G14
Oakland, CA 94612-4291

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.

Types of Accounts OfferedPersonal checking, savings and business accounts
Name of Bank Union Bank Of California
Form of VerificationChexSystems
Email from Bank

Thank you for your recent inquiry. For all new customer account requests, Union Bank of California processes a verification check with ChexSystems.

If you have a record or a retail indicator with Chexsystems, Union Bank of California's guidelines is as follows:

  • Records older than 1 year, with repaid debt to the previous bank, will be disregarded.
  • Records older than 3 years, regardless if the debt was paid or not, and no fraudulent or criminal activity, will be disregarded.
  • If there is a "retail indicator", Union Bank of California will decline the opening of a new account.

Note: Accounts will not be opened for records with fraudulent or criminal activity. No exceptions.

Accounts opened through the mail or over the internet are also verified through a Credit Bureau. This is used as an identifying purpose only and the credit itself is not a factor.

Types of Accounts OfferedPersonal checking, savings, and business accounts
Name of Bank Bay Federal Credit Union
Form of VerificationChexSystems
Special Notes

If your ChexSystems report is 3 or more yrs old and paid you can get an account. Report should not indicate fraud. Any member can get a savings.

Membership Information

Anyone who lives, works, volunteers, worships or attends school in Santa Cruz, San Benito, and Monterey Counties is eligible to join Bay Federal Credit Union. Once you're a member, your immediate family becomes eligible for membership as well.

Email from Bank

You can open a savings account with us. If your ChexSystems record is not at least 3 years old, whether it is paid or not, you can not have a checking account.

Types of Accounts OfferedPersonal checking and savings
Name of Bank FSNB
Form of VerificationCredit report and ID
Special Notes

You DO NOT have to be military to get an account.

FSNB is now open to anyone regardless of being in their location. Take advantage of this while you can. It may not last.

** FSNB now uses a credit report and many people have been turned down due to credit issues.

** They do not use ChexSystems or TeleCheck …most people are still being approved.

FSNB charges $1 fee for not using one of their ATM's, plus any 'foreign' ATMs.

You have to call them and ask for new accounts, telling them that you wish to open a new checking account ..an application will be mailed out to you.

Email from Bank

We do offer Business Accounts, however you must be within 50 miles of one of our branches for us to offer these to you. The minimum deposit to open the account is $500.00.

Types of Accounts OfferedPersonal checking and savings
Locations

MAGTFTC Twentynine Palms
Bldg. 1515 Brown Street
MCAGCC Twentynine Palms, CA 92278

California (Service Center)
Servicing Camp Pendleton
Mission Plaza Real
3825 Mission Avenue
Suite D9
Oceanside, CA 92058

Name of Bank Heritage Community Credit Union
Form of VerificationChexSystems
Special Notes

An account designed specifically for members who may have been unable to qualify for a checking account in the past due to a ChexSystems record. For a low monthly fee, you can take advantage of the following checking features:

  • Free ATM access at over 28,000 CO-OP Network® locations*
  • Free ehccu-online banking and ehccupay-bill payment
  • Free eStatements
  • Free in-branch and telephone transactions
  • Low minimum opening balance
  • Visa® Check Card
  • Free 24-hour Priority Line-Telephone Account Access
  • .50% rate discount on vehicle loans with direct deposit into an HCCU checking account and automatic monthly payments
  • Complimentary "Financial Fitness" consultation
Membership Information

Anyone who lives, works, worships or attends school in Sacramento or Placer County.

Types of Accounts OfferedSecond chance checking
Name of Bank Chevron Valley Credit Union
Form of VerificationChexSystems
Membership Information

Any resident of Kern County, CA

Anyone who regularly works in Kern County, CA

Email from Bank

If you have a Chex System record you can still have a savings account without an ATM card as long as you qualify for membership.

If you are wanting to establish a checking account, we would need to be provided with proof that you have paid your record in full. A manager will then need to review the information. It is solely up to their discretion as to whether or not we would be able to open the checking account for you.

Types of Accounts OfferedPersonal checking and savings
Name of Bank Community Commerce Bank
Form of Verification2 forms of ID
Special Notes
  • DO NOT USE CHEXSYSTEMS, TELECHECK, OR A CREDIT REPORT.
  • DO NOT OFFER CHECKING ACCOUNTS ONLY SAVINGS ACCOUNTS
  • These accounts do NOT come with an ATM card
Email from Bank

We do not offer checking accounts. To open a savings account we require two forms of identification. Usually a driver's license and social security number.

Types of Accounts OfferedSavings only
Name of Bank Antioch Community Federal Credit Union
Form of VerificationChexSystems
Special Notes

ANYONE CAN GET A SAVINGS ACCOUNT THAT IS ELIGIBLE FOR MEMBERSHIP

Membership Information

To any person who Lives, Works, Worships or Attends school in, Businesses and other Legal Entities Located in the City of Antioch, California.

Email from Bank

If you are on ChexSystems, you would only be able to open a savings account with us and that has no ATM access.

Types of Accounts OfferedPersonal checking and savings accounts
Name of Bank Silverado Credit Union
Form of VerificationChexSystems
Special Notes

Report should not indicate fraud.

Membership Information

People who live, work, worship or attend school in the Napa Valley, as well as employees of groups and organizations in certain geographic regions (within a 25 mile radius of a Silverado Credit Union Offices) are eligible to join our Credit Union. Additionally, Seventh-day Adventist Church members in the State of California or Idaho are also eligible to join.

Email from Bank

If you are in our field of membership you can join the credit union even if you have a chex-system history. You must live or work in Napa county in California or belong to an Adventist church in California to join. You would be allowed to open an account here and have a savings and checking account, but it is possible that you wouldn't be approved for an ATM card.

Types of Accounts OfferedPersonal checking and savings
Name of Bank United Health Credit Union
Form of VerificationChexSystems
Membership Information

Anyone who lives or works in Burlingame, California.

Email from Bank

You qualify for membership if you live or work in Burlingame or have family who are members of United Health Credit Union. We do open a savings account even if you have ChexSystems and we offer free assistance to get a "Renew Checking Account". This checking account is specific for people who may have a ChexSystems record and want to reinstate their checking privileges.

Types of Accounts OfferedPersonal checking and savings accounts
Name of Bank Orange County's Federal Credit Union
Form of VerificationChexSystems
Special Notes

Anyone with a membership can get a savings and if report is paid and does not indicate fraud, you might be able to open a checking.

Membership Information

Membership is available to individuals who reside or work in the counties of Orange and Riverside as well as the cities of Long Beach, Lakewood, Signal Hill, and Cerritos (California).

Email from Bank

You may open a savings a savings account only. If you have a record but you do not owe any moneys to another financial institution, we may be able to offer a checking as well.

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

They do use ChexSystems but offer opportunity checking for those reported.

Membership Information

You live, work or worship within the San Fernando Valley, Santa Clarita Valley, or Ventura County in Southern California. Or you live, work or worship in Lafayette, Moraga, Orinda, Walnut Creek or Pleasant Hill in Northern California's Contra Costa County.

Email from Bank

We offer an opportunity checking, how ever the record has to be paid in full and a year old from the date that it has been paid.

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

ChexSystems report must show as paid and only as NSF. Can not indicate fraud or account abuse for Trial checking account (2nd chance checking).

Membership Information

Altura Credit Union is a community credit union. Anyone who lives, works, attends school, or worships in any of the following areas can join:

  • Riverside County
  • San Diego County
  • Orange County cities of Anaheim, Garden Grove, Irvine and Santa Ana
  • San Bernardino County cities of Rancho Cucamonga, Ontario and Fontana There is a one-time, nonrefundable, membership fee of $12 ($7 for members' equity and $5 for Altura's Scholarship Foundation.)
Email from Bank

You may submit an application online or visit your local Altura Credit Union branch so we may run your information through. We do offer a trial checking for 6 months that has a fee of $20 a month and you have to stay in good standings with no negative balance, to people who have paid closures with ChexSystems. However if it is reported as account abuse we will not open the account. It must show as paid and it can only say "NSF" or "overdrafts". We will decline membership if any other reason is given. Thanks!

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

Live, regularly work or worship in the Counties of San Bernardino or Riverside. Be associated with the former Norton Air Force Base (retiree, civil service, Department of Defense, etc.) or any branch of the U.S. Armed Forces or Reserves.

Email from Bank

Yes, we have a checking account called Opportunity checking. It has a $20.00 a month service charge. Opening deposit is $100.00. You must have this account for 6 months with no negative activity and then we will convert it to one of our regular checking accounts. You will also be given a regular ATM card with a $65.00 a day limit for the 6 months.

When the account is converted we will give you a debit card with a $300.00 a day limit.

If you decide to join, we will need a valid form of ID with your current address on it. If it doesn't have your current address on it you must provide us with a current utility bill that shows your name and your current address. Please be sure to bring in the proof that the amount owed has been paid by whoever reported you to ChexSystems.

There is also a one time $5.00 membership fee due at time of opening, along with your opening deposit.

Types of Accounts OfferedSecond chance checking
Name of Bank First Northern Bank
Form of VerificationChexSystems
Email from Bank

We do use ChexSystems before opening new accounts, and you may open an account with us if you have had no more than three account closures due to account abuse or NSF in the last 12 months, and no fraud alerts. Also, if ChexSystems indicates no more than three or more banks have inquired within the last 90 days, some further processing may be required before we are able to open the account.

Types of Accounts OfferedPersonal checking, savings and business accounts
Name of Bank San Mateo Credit Union
Form of VerificationChexSystems
Special Notes

They use ChexSystems but anyone can get a savings only not a checking.

Membership Information

You are eligible for membership in SMCU if you are:

  • A resident, employee, or student in San Mateo County
  • An employee of one of our partner companies
  • An employee of a company that belongs to the Golden Gate Better Business Bureau or one of the 15 Chambers of Commerce within San Mateo County that we serve A family member, domestic partner, or roommate of an SMCU member.
Email from Bank

You may be able to open a regular savings and we do have an account call a new-start checking account. This account has to be opened in one of our branches only.

Types of Accounts OfferedSavings only if you are reported to ChexSystems
Name of Bank Kern Central Credit Union
Form of VerificationChexSystems
Special Notes

They do offer second chance checking, reporting bank(s) must be paid to qualify.

Membership Information

Kern Central Credit Union welcomes anyone who lives or works in Kern County as a member.

Email from Bank

We use ChexSystems and AccurInt (which verifies your social security and address). If a person has been reported to ChexSystems and their dues have been paid, we offer a second-chance checking which is basically the same as our regular checking accounts except the individual would not get overdraft privilege until the 90 day probation period is over. During that 90 day probation period we just monitor the account making sure that it stays in a positive balance and that there are no problems that could potentially result in a loss for the credit union.

Types of Accounts OfferedPersonal savings and second chance checking
Locations

Bakersfield and Lamont

Name of Bank Butte Federal Credit Union
Form of VerificationID
Membership Information

Membership at Butte Federal Credit Union

Am I Eligible to Join Butte Federal Credit Union?

You are eligible to join Butte Federal Credit Union if you live, work, worship, attend school or volunteer in one of the seven Northern California counties that we serve. These counties include: Butte, Colusa, Glenn, Plumas, Sutter, Tehama, and Yuba. Also, being a Grange member in one of the many Northern California counties that we serve outside of the ones listed above is another way you are eligible to join.

Email from Bank

WE DO NOT USE CHECKSYSTEMS OR DO A CREDIT REPORT WHEN OPENING A NEW ACCOUNT WITH US, BUT WE DO MONITOR NEW ACCTS VERY CLOSLY AND WE DO PLACE HOLDS ON ANY LARGE CHECKS!.. DEBT CARDS ARE ISSUED 60 DAYS AFTER THE ACCT IS OPENED.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

482 B. Street
Biggs, CA 95917

2122 5th Avenue
Oroville, CA 95965

424 8th Street
Marysville, CA 95901

2201 Pillsbury Road, Suite #192
Chico CA 95926

Name of Bank Coast Central Credit Union
Form of VerificationChexSystems
Special Notes

See email below.

Membership Information

If you reside or work in Humboldt, Trinity, or Del Norte counties, you're eligible for membership.

Email from Bank

As long as the Chex report shows the full amount has been paid, we will still open an account if you've taken a short course with Consumer Credit Counseling Service (CCCS). I believe it's only a two-hour course and is usually offered on the weekends. If you bring us the certificate given at the end of the class, it will override any paid report you have on ChexSystems.

For more information, your best bet would probably be to contact one of our New Accounts Representatives - there are two here at our Harrison Avenue location. They can be reached at (707) 445-8801, extension 342 (Sarah) or 341 (Kandis). They should have the most current info on CCCS courses and which one you'll need to take.

Types of Accounts OfferedSecond chance checking
Locations

2650 Harrison Ave.
Eureka, CA 95501

Name of Bank Southland Credit Union
Form of VerificationChexSystems
Special Notes

They offer second chance checking. Go here to see if you are eligible.

Membership Information

Southland Credit Union is an unique financial institution serving all persons who live, regularly work, currently attend school, or currently worship in; Orange County, Downey, Santa Fe Springs, La Habra Heights, La Mirada, Norwalk, Artesia, Cerritos, Bellflower, Lakewood, Hawaiian Gardens, Paramount, Long Beach, and Signal Hill.

Email from Bank

The application would need to be reviewed because it really depends on the type of record. Usually, a Share Savings can be established if you have a record on ChexSystems, however you would have no ATM access or Shared Branch access.

If the record is at least a year old and you have paid any balance owed, you would be able to establish what's called an Opportunity Checking Account.

This account has a monthly service fee of $10 and the account needs to be established in person.

Types of Accounts OfferedSecond chance checking
Locations

DOWNEY
8545 Florence Ave.
Downey, CA 90240

LOS ALAMITOS
10701 Los Alamitos Blvd.
Los Alamitos, CA 90720

LOS ANGELES
300 N. Los Angeles St. STE #4337
Los Angeles, CA 90012

Name of Bank North Valley Bank
Form of VerificationChexSystems
Special Notes

There is a program called “Checkwise” that is now offered that replaces the “Get Checking” program. The Checkwise program is offered through Consumer Credit Counseling Services. This program is based out of Arcada, CA. The course can be taken online as well. The charge to take the program in person is $35.00 or $50.00 if you would like to take it online. Their phone number is 707-822-8536 or toll free at 800-762-7811 should you need more information from them.

You asked if we would offer a checking account if this course was completed. We may be able to offer a checking account pending you can provide a certificate of completion of the course and you have paid all monies owed. The other contributing factor would be the reason as to why you were reported to Chex Systems. If you were reported to Chex Systems because you had NSF activity, then typically, we can open an account for you as long as the above items are satisfied. However, if there are other reasons that you were reported to Chex Systems, we would need to discuss those at the time of opening the account.

Membership Information

There is a program offered online.

Types of Accounts OfferedSecond chance checking
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 American First Credit Union
Form of VerificationChexSystems
Special Notes

If you’ve been reported to ChexSystems, this may help you.. As long as you do not owe checking funds to another financial institution and there is no fraud involved, you may qualify. Here's how it works:

1. Go to Balance and click on "Checking Account Management" to take the online course on “Managing your Checking Account.”

2. Bring in (or mail) your certificate of completion, the $25 processing fee, plus an opening deposit of $50 or more, and we’ll open your Second Chance checking account.

3. If your account remains in good standing for six months, it will automatically be converted to Total Access checking.

Membership Information

American First membership is open to anyone who lives, works, worships or attends school in Orange County or 16 additional cities throughout the Greater Los Angeles area

  • Orange County
  • Corona
  • Chino Hills
  • Artesia
  • Bellflower
  • Cerritos
  • Hawaiian Gardens
  • La Habra Heights
  • La Mirada
  • Lakewood
  • Long Beach
  • Montebello
  • Norwalk
  • Pico Rivera
  • Santa Fe Springs
  • Signal Hill
  • Whittier
Types of Accounts OfferedSecond chance checking
Name of Bank CoastHills Federal Credit Union
Form of VerificationChexSystems
Special Notes
  • 2nd Chance Checking
  • Low $10 Monthly Service Fee
  • Free Overdraft Protection on Approved Line of Credit
  • Unlimited Check Writing
  • Opportunity to Convert to Our Other Great Checking Accounts After One Year with No Overdrawn Fees
Membership Information

CoastHills Federal Credit Union is dedicated to serving the people who live, work, worship, or attend school in the Central Coast community comprised of San Luis Obispo and North Santa Barbara counties. Our boundaries include all of San Luis Obispo County. North Santa Barbara County is delineated on the west by the Pacific Ocean, east by Los Padres National Forest, north by the county line and to the south at Gaviota State Park.

Types of Accounts OfferedSecond chance checking
Name of Bank Safe 1 Credit Union
Form of VerificationDeluxe Detect (some people reported to ChexSystems may NOT be reported to EWS and can get an account here)
Special Notes

Deluxe Detect is part of EWS. If you have been reported to EWS, do not apply for this account.

Membership Information

Membership in Safe 1 Credit Union is available to anyone who meets one or more of the following:

Lives or works in Kern County, California.

Lives or works in Tulare County, California.

Email from Bank

We use Deluxe Detect. We do not do credit reports unless you apply for a loan.

Types of Accounts OfferedPersonal checking and savings accounts
Locations
  • Bakersfield Mill Rock Way
  • Bakersfield Oak Street
  • Bakersfield Green Frog Market
  • Porterville
  • Tehachapi Delano
Name of Bank FAST Federal Credit Union
Form of VerificationChexSystems
Special Notes

Debt to reporting bank must be paid and not show fraud for the best results.

Membership Information

FAST is a community credit union open to anyone who lives, works or worships in Kings County.

Email from Bank

One may qualify for membership if they live work or worship in Kings County. When our potential member applies we do run them through ChexSystems. If one has been reported and owes a dollar amount we can offer a savings account with a minimum of $25.00 to open. If you still wish to open a checking we can offer our member a New Beginnings account.

Types of Accounts OfferedSavings and second chance 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
Name of Bank Credit Union of Southern California
Form of VerificationChexSystems
Membership Information

Anyone who lives, works, worships or attends school in Orange County, the San Gabriel Valley and the cities in between. See this page for list of eligible cities.

Email from Bank

I encourage you to submit a Membership application. In some cases we are able to make exceptions. I hope this helps!

Thank you!

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

Anyone who lives, works, worships, or attends school in the following counties: Butte, El Dorado, Nevada, Placer, Sacramento, San Joaquin, Solano, Sutter, Yolo, and Yuba.

Email from Bank

In the past we would not open accounts if you had been reported to ChexSystems but that has changed The City of Sacramento and Schools are working together to help low- and middle-income Californians establish banking accounts, build a credit history and gain access to lower-cost sources of credit.

This program allows applicants with a ChexSystems decline score eligibility for membership. Applicants with ChexSystems records less than a year old are required to complete financial literacy courses and show proof of completion of the BALANCE Financial Fitness program. If you are interest in opening an account please visit any Schools location.

Types of Accounts OfferedSecond chance checking
Name of Bank Federal Employees West Federal Credit Union
Form of VerificationTeleCheck
Special Notes

They do NOT use ChexSystems but you must be eligible to join.

Membership Information

The credit union was chartered in 1958 for employees of the Department of Health, Education, and Welfare in three counties of Southern California. Over the years the credit union has expanded its field of membership to seven counties: Los Angeles, Orange, Riverside, San Bernardino, Ventura, Santa Barbara, and San Luis Obispo. The field of membership includes employees of the Social Security.

Adminstration, Office of Hearing of Appeals, Office of Education, Public Health Service, National Credit Union Adminstration, Headstart Program, and also the families of members, retirees, and organizations of groups in the field of membership.

Email from Bank

We currently use TeleCheck when opening accounts.

Types of Accounts OfferedPersonal checking and savings
Locations

Los Angeles, CA

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

You MUST be eligible for membership to get an account.

Membership Information

Companies/Associations:

  • Advanced Industrial Care, Inc. (Office of Fred J. Vonstieff, M.D.)
  • Associates Printing
  • Better Homes Realty
  • Big C Athletic Club
  • Big O Tires - Concord & Pittsburg
  • Brenden Theatre Corporation – Concord and Pittsburg
  • Burton Real Estate, Inc.
  • Cal Engineering & Geology
  • California Signs & Graphics
  • Cal Neva Environmental Systems
  • Calvary Temple Church
  • Chapman University College - Bay Area
  • Christopher's Family Pizzeria
  • Church of Christ - Martinez
  • City of Clayton
  • City of Concord
  • Clancy's Precision Painting
  • Clayton Business & Community Association (CBCA)
  • Coco Copy
  • Community Youth Center (CYC)
  • CompuMail Information Services
  • Concord Caravaners
  • Concord Chamber of Commerce
  • Concord Child Care Center, Inc.
  • Concord Tongan United Methodist Church
  • Contra Costa Public Auto Auction
  • Costco Wholesale – Concord
  • Cushman Construction
  • D&H Enterprises
  • Dainty Center Willow Wood School
  • Diablo Valley Auto Connection
  • Diablo Valley Retired Teachers Association (DVRTA)
  • Dianne Adair Enrichment Programs
  • Digger's Diner
  • East Bay Regional Park District
  • East Bay RV
  • Ernie's Plumbing & Sewer Service
  • Farmer's Insurance District 98
  • Hyde Printing
  • i-Teknique
  • IQ Network
  • Jensen/Ptaszynski Architects
  • JD Fine and Company
  • J.R. Electrical Contracting
  • Knights of Columbus #6038
  • Knights of Columbus #2286
  • Legacy Park Central
  • Luigi's Delicatessen
  • Lumpy's Diner
  • Meadow Homes Good Neighbors Association
  • Mountain Mike's Pizza - Martinez
  • Mr. B's Birds
  • Mt. Diablo Silverado Council – Boy Scouts of America
  • Employees and all students of MDUSD (Mt. Diablo Unified School District)
  • Network IQ
  • New Connections Counseling & Recovery Services
  • New Hope International Church
  • NorCal Cleaning Services
  • North American Title Company - Danville
  • Pacific Auto Body Shop
  • Paddock Bowl
  • Pajama Factory
  • Panama Bay Coffee Company
  • Point Source Design, Inc.
  • Post Offices - Concord & Clayton
  • Post Offices - Pleasant Hill & Antioch
  • Post Offices - Brentwood & Martinez
  • Queen of All Saints Church & School
  • Robert Brown Construction
  • Saiva Siddhantha Ashram (Shiva Murugan Temple)
  • Sawyer-Linton Jewelers
  • Selene's Housecleaning
  • Seven Eleven - Olivera Road, Concord
  • Silverado Valley Electric
  • Starbow Studio
  • St. George Episcopal Church
  • Super Gas & Liquor
  • Tammie's Daycare
  • True North Financial Group
  • VIP Barbershop
  • Warehouse Demo Services
  • Waterworld USA - Concord
Types of Accounts OfferedSecond chance checking
Name of Bank Bank of The Sierra
Form of VerificationProper ID
Special Notes

If you apply online they will run ChexSystems but if you apply at a branch they will not use ChexSystems.

Membership Information

Shaw Branch
636 E. Shaw Ave.
Fresno, CA 93710

Clovis Branch
1710 Clovis Ave.
Clovis, CA 93612

Herndon Branch
7029 N. Ingram
Fresno, CA 93650

Reedley Branch
1095 W. Manning
Reedley, CA 93654

Sunnyside Branch
5775 E. Kings Canyon
Fresno, CA 93727

Email from Bank

I called several locations today and they all explained to me the same exact thing

  1. they do not use chexsystems other than for identity purposes "sometimes"
  2. if you are reported to chexsystems it would not mean that you can't get an account anyhow
  3. they approve people on chexsystems all the time
Types of Accounts OfferedPersonal checking, savings and business checking
Locations

Bakersfield, California City, Clovis, Delano, Dinuba, Exeter, Farmersville, Fresno, Hanford, Lindsay, Porterville, Reedley, Tehachapi, Tulare, Visalia

Name of Bank MCFCU
Form of VerificationChexSystems
Special Notes

Need a second chance to work on your checking account history? We have just the thing—it’s called 2nd Chance Checking account and it’s designed to help members having a difficult time opening a checking account with another financial institution.

We believe in second chances, that’s why if you maintain your 2nd Chance Checking for 12 months with positive account activity, we’ll automatically upgrade you to a regular checking account!

Features

  • 50 free checks (initial order)
  • Unlimited check writing
  • Free direct deposit available
  • ATM/Visa debit card access (with Direct Deposit)
  • Free telephone access

Requirements

  • Must be 18 years or older
  • Must not have FRAUD reported on ChexSystems profile
Membership Information

Anyone who lives, works, worships or attends school in the Cities of:

  • Compton
  • North Long Beach
  • Bellflower
  • Norwalk
  • Paramount
  • Carson
  • Lynwood
Types of Accounts OfferedSecond chance checking
Name of Bank Mission SF Federal Credit Union
Form of VerificationChexSystems
Special Notes

Anyone that is eligible for membership can get a savings to establish history with them and possibly open a checking later.

Membership Information

Persons who live, work, worship or associate in the Greater Mission District Area are eligible to become members.

Types of Accounts OfferedSavings only if reported to ChexSystems
Name of Bank Best Bank/Guaranty Bank
Form of VerificationChexSystems
Special Notes

*** You must apply in person for this account, do NOT apply online ***

  • $25.00 to open the account
  • No debit card or checks
  • It does come with an ATM card
  • Money orders are FREE
  • $8.00 monthly fee or $5.00 with direct deposit
  • After 6 months you may be able to convert to a regular free checking as long as the account remained in good standing and no overdrafts.
  • If you do not owe the reporting banks, you may be able to open a regular checking.
Types of Accounts OfferedSecond chance checking
Name of Bank Central Valley Community Bank
Form of VerificationChexSystems
Special Notes

If you qualify they will give you a form to go take the Get Into Checking class and then you can open the account once the class is completed. There is a $4.00 monthly fee. There is no debit card but it does come with checks and an ATM card.

Types of Accounts OfferedSecond chance checking
Name of Bank United Security Bank
Form of VerificationChexSystems
Special Notes

They do offer second chance checking. If the report is older than one year then you can open an account if it is less than one year then you must take a class. You must apply in person for this account and it is $100.00 to open it. This is for the Fresno locations ONLY.

Types of Accounts OfferedSecond chance checking
Name of Bank Security First Bank
Form of VerificationChexSystems
Special Notes

They do offer second chance checking No money can be owed to the reporting bank(s) and there is not checks but the account comes with an ATM card.

Types of Accounts OfferedSecond chance checking
Name of Bank Finance and Thrift
Form of VerificationProper ID
Special Notes

They do not offer checking but they do offer savings and they do not run ChexSystems or a credit report.

Types of Accounts OfferedSavings only
Name of Bank Premier Credit Union
Form of VerificationChexSystems and a credit report
Membership Information

Membership at Premier Community Credit Union is open to anyone living or working in San Joaquin County.

Email from Bank

Yes, we do look into ChexSystems and we do run credit. But if you’re in ChexSystems and you have paid it off we have a Fresh Start Checking.

Types of Accounts OfferedSecond chance checking
Name of Bank North County Credit Union
Form of VerificationChexSystems
Special Notes

Fresh Start Checking Account for members who have had checking account management challenges in the past.

  • $100/month direct deposit requirement
  • No monthly minimum balance requirement
  • Free Internet Teller, TeleTeller and Text Banking Service
  • Optional e-statements $15/month service fee
  • $25 opening deposit requirement
Membership Information

If you live or work in Inland North County in San Diego County, California, you may be eligible to join our credit union.

Name of Bank California Community Credit Union
Form of VerificationCredit report
Special Notes

From person that got account:

California community credit union in Sacramento. They have 5 branches. opened an account for me. They don't run the ChexSystems just a formal credit report.

Membership Information

Individuals that live, work or worship in the County of Sacramento, California.

Individuals who live in, regularly work in, or regularly worship in Stanislaus County, California.

Individuals who live in, regularly work in, or regularly worship in Placer County, California.

Email from Bank

Thank you for considering CACCU for your new account. Once a new account application and agreement is completed with valid IDs we run credit as an additional method to verify your identity. It is also a tool we you to determine what services you qualify. Please call me if you have any additional questions. Thank you.

Types of Accounts OfferedPersonal checking and savings
Name of Bank E-Central Credit Union
Form of VerificationChexSystems
Membership Information

Live, regularly work, currently attend school or regularly worship in San Gabriel Valley or The City of Commerce or neighboring cities around Commerce, including the following cities:

  • Alhambra
  • Altadena
  • Arcadia
  • Azusa
  • Baldwin Park
  • Bell
  • Bell Gardens
  • Bradbury
  • Charter Oak
  • Citrus
  • City of Industry
  • Claremont
  • San Marino
  • Sierra Madre
  • South El Monte
  • South Pasadena
  • Temple City
  • Vernon
  • Walnut
  • West Covina
  • West Puente Valley
  • Whittier
  • La Verne
  • Mayflower Village
  • Maywood
  • Monrovia
  • Montebello
  • Monterey Park
  • Pasadena
  • Pomona
  • Rosemead
  • Rowland Heights
  • San Dimas
  • San Gabriel
  • Commerce
  • Covina
  • Cudahy
  • Diamond Bar
  • Downey
  • Duarte
  • El Monte
  • Glendora
  • Hacienda Heights
  • Irwindale
  • La Canada/Flintridge
  • La Puente
Email from Bank

We use ChexSystems and we also run a credit report when opening a new account. Even if you have a record we might be able to open an account for you, we can determine what services we can offer you once we see the report.

Types of Accounts OfferedPersonal checking savings and business checking

  • Chris

    Thank you for this list! Saves a lot of time, I hope some of the ones in my location will do second chance BUSINESS checking for me...

    • Mark (Staff)

      Chris,

      You are welcome.

  • Chex Sucks

    I never even heard of this whole chex thing until this week. I’m screwed. My dad’s been harping at me that I couldn’t handle money on my own, and now he’s going to find out that I can’t. I hope I can get into one of these banks.

  • Proud Father

    There are so many times when I have fought over this whole thing. I left a bank, closed the account and then found out when I tried to get another account that I was in the ChexSystem. When I asked how much money I was in for, they told me it was like $5.00. They really had me in for that. I was ticked off, if they wanted, I would have mailed them a $5.00 bill.

    • Sam

      Man, that’s messed up.

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