Non ChexSystems Banks & Credit Unions in Colorado

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

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 Colorado 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 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.

Other valuable info:

  • 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

Email From person that got an account and say they are also reported to EWS:

I live in 80203 the bank were I opened was at

640 16th Street
Denver, CO 80202
(303) 534-1560

The banker that opened my account specifically told me “we don’t do any kind of credit checks, we just place holds on deposits.”

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

Denver

Name of Bank AFBA, the 5Star Association BANK
Form of VerificationChexSystems
Special Notes

Report can not indicate fraud.

Email from Bank

Here is our Bank's policy:

  1. If the account is opened and the customer is signed up for Direct Deposit, the bank will allow one bank record of less than $200.00 that is at least 6 months old and or 2 retail indicators at least 6 months old.
  2. If the account is opened without Direct Deposit, the bank record or retail indicator must be at least 18 months old.

My manager has also said that if it is paid and you sign up for Direct Deposit, we will open the account.

Types of Accounts OfferedPersonal checking and savings
Locations

Peterson Branch
Building 1485
Paine and Stewart Streets
Peterson Air Force Base
Colorado Springs, CO 80914

Lake Plaza Branch
1259 Lake Plaza Drive
Colorado Springs, CO 80906
(Just off Lake Avenue, near I25)

Downtown Colorado Branch
104 S. Cascade Ave
Colorado Springs, CO 80903

Name of Bank Colorado Bank and Trust
Form of VerificationChexSystems
Special Notes
  • CHEX MUST BE PAID NOT SHOW FRAUD
  • $ 15.00 A MONTH CHARGE
  • ATM ONLY NO DEBIT 1.00 FOR CARD
  • CAN HAVE CHECKS
  • NO OVERDRAFT AVAILABLE
  • $ 50.00 TO OPEN
  • NO MIN BALANCE REQUIRED
  • AFTER 1 YEAR CAN CONVERT TO REGULAR CHECKING
Types of Accounts OfferedSecond chance checking
Locations

CALL EXPRESS BANK OR APPLY IN PERSON
Denver Area: (303) 861-4518
Outside This Area: (877) 205-1710

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 Sunwest Bank of Colorado
Form of Verification2 forms of ID
Email from Bank

I called and verified they do not use ChexSystems or any type of credit report.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

IDALIA
9073 County Road CC.8
PO Box 66
Idalia, CO

Name of Bank Academy Bank
Form of VerificationChexSystems
Special Notes

Academy Bank, Armed Forces Bank, and Armed Forces Bank of California are part of a banking group that serves civilian and military communities throughout the United States.

Membership Information

Email from person that got an account:

I got a personal checking from ACADEMY bank, they DO promote and actually sell the 2nd chance checking.

Its got a $300 minimum or $7.50 month service charge.

Email from Bank

We do have each customer ran through ChexSystems. We are very lenient with ChexSystems because we are considered a second chance bank. If you apply we would be more than happy to see if we are able to provide you with an account with Academy Bank.

Types of Accounts OfferedPersonal checking, savings, and business accounts / second chance
Locations

See web site for various locations.. the locations inside Walmart seem to be very lenient as well.

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 White Crown Credit Union
Form of VerificationChexSystems
Special Notes

If you have been reported to ChexSystems but fraud is NOT indicated on the report, they will approve you.

Membership Information

Live, work or attend school in the Downtown Denver area.

Email from Bank

Email From person that got an account:

Thanks for the follow up, in Denver, I was able to get an account at White Crown Credit Union, they ran a Chex report while I was there and told me as long as not fraud and account paid they will open account. I got checking debit etc.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

1515 Cleveland Place
Suite 100
Denver, CO 80202

55 Inverness Dr. East
Englewood, CO 80112

Name of Bank Equitable Savings & Loan Association
Form of VerificationTrue Alert Check
Special Notes

I called several locations and they say they do not use ChexSystems, TeleCheck, or EWS. They say they run a True Alert check that only verifies your SS# and address. They said they do not run a credit report unless you apply for a debit card. If you apply for a debit card they said they will run the credit report.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Akron
201 Main Avenue
P.O. Box G
Akron, Colorado 80720-1435

Brush
300 Clayton Street
P.O. Box 583
Brush, Colorado 80723-2106

Burlington
1420 Lowell Avenue
P.O. Box 697
Burlington, Colorado 80807-1633

Fort Collins
300 East Horsetooth Rd Suite 102
Fort Collins, Colorado 80525-2560

Fort Morgan
331 Main Street
P.O. Box 518
Fort Morgan, Colorado 80701-2108

Julesburg
120 Cedar Street
P.O. Box 300
Julesburg, Colorado 80737-1520

Limon
888 Main Street
P.O. Box 100
Limon, Colorado 80828-2216

Sterling (main office)
221 North 3rd Street
P.O. Box 1726
Sterling, Colorado 80751-1726

Wray
300 Main Street
P.O. Box 303
Wray, Colorado 80758-1727

Yuma
222 South Main Street
P.O. Box 243
Yuma, Colorado 80759-1916

Name of Bank Wells Fargo
Form of VerificationChexSystems and EWS
Special Notes

In certain areas of the Denver, Colorado area certain Wells Fargo branches are opening accounts for people who have a record on ChexSystems they do not allow you to participate in PDL because they have their own $500 "Payroll Advance" program. So far so good and they go over your credit report and try to dispute information on your report.

Email from Bank

As long as there is no fraud on the report and no money is owed to Wells Fargo, you can open an account with Direct deposit and a savings. $100.00 opens the account.

Types of Accounts OfferedSecond chance checking
Locations

See web site and call a local branch near you to see if they can help.

Name of Bank Security Service Credit Union
Form of VerificationChexSystems
Special Notes

People have reported that they will still allow an account to be opened even when reported to ChexSystems.

Membership Information

See web site for membership information.

Email from Bank

Thank you for your e-mail and interest in SSFCU products. It is possible to be approved for a checking account with us even if another financial institution may have reported an incident to ChexSystems. To determine for certain if you qualify for one of our checking products, please feel free to apply for membership by visiting www.ssfcu.org, visiting your nearest branch, or by calling 866-210-6093.

Types of Accounts OfferedPersonal checking, savings and business accounts

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