Non ChexSystems Banks & Credit Unions in Connecticut

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

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 Connecticut 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 Webster Bank
Form of VerificationChexSystems
Special Notes

Second chance checking… they have an account and it comes with a VISA debit card.

It cost $16.95 a month or $11.95 with Direct deposit.

Types of Accounts OfferedSecond chance checking
Name of Bank First New England Federal Credit Union
Form of VerificationChexSystems
Special Notes

They do offer shared branching With three locations, 24/7 online banking, 28,000 surcharge free ATMs, and access to over 3,800 Shared Branches we are able to meet your financial needs at your convenience

Second Chance Benefits for members who have had issues with other institutions in the past:

  • No minimum balance
  • Unlimited Check Writing
  • Free Homebanking
  • Free Bill Pay
  • Free E-Statements
  • Free Debit Card
  • Courtesy Pay
  • Monthly service fee of $15.00/mo.

Account available for any FNEFCU member who has one occurrence on ChexSystems for an amount equal to or less than $500 with the occurrence taking place more than 12 months from new account opening.

Direct deposit or a current phone bill is required to open the account.

$200.00 day maximum for all ATM/debit transactions.

4.10% Annual Percentage Yield (APY) paid on balances between one penny and $15,000, and 0.50% APY paid on all amounts above $15,000 each cycle the minimum requirements are met.

If you do not meet the requirements per cycle, your account will still function as a free checking account earning 0.10% APY; however, it will not receive ATM refunds for that time period.

We may change the interest rate and APY at any time after the account is opened.

No Minimum Balance Required.

Available to Personal Accounts only. No monthly service charge.

Membership Information

There are a few different ways you can be eligible for membership:

  • An immediate family member who is currently a First New England Federal member can make you eligible.
  • You may also qualify through your current employer or association.
  • A Vernon, CT resident
  • Become a Friend of the Lucy Robbins Welles Library
  • Call our Business Development Manager, Mary Sullivan at 860 870-6460 to see if you are eligible.
Email from Bank

The requirements of the Rewards Checking are:

  • No more than one occurrence on Chex Systems
  • The amount has to be equal to or less than $500
  • It has to have taken place more than 12 months from the new account opening
Types of Accounts OfferedSecond chance checking
Name of Bank Connecticut River Bank
Form of VerificationChexSystems
Special Notes

ChexSystems should show as paid or have proof that it is and not indicate fraud for best results.

Email from Bank

We would let you open a savings account and watch the history. We may not be willing to issue an ATM or debit card for a period of six months, may reconsider after the six months if the account is maintained in an appropriate manner.

If the account is maintained in good standing, after six months we would let you open a checking account.

Types of Accounts OfferedSavings only and later a checking
Locations

Bethlehem
2212 Main St., Rt. 302
603-869-3311

Charlestown
245 Main St.
603-826-7764 or toll free 1-800-281-3884

Claremont
137-139 Broad St.
603-543-1276

Franconia
347 Main St.
603-823-8104

Keene
255 West St.
603-357-1619

Lancaster
235 Main St.
603-788-4769

Langdon
Rt. 123
603-835-6333

Littleton
8 Main St.
603-444-5333 or toll-free 1-877-444-5333

Meadow View Littleton
618 Meadow St.
603-444-0412

Springfield
270 River St.
802- 885-4948

Walpole
53 Main St.
603-756-9293

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

AS LONG AS YOUR CHEXSYSTEMS REPORT IS PAID, YOU CAN GET A CHECKING ACCOUNT, SHOULD NOT SHOW FRAUD.

YOU CAN GET A SAVINGS ACCOUNT EVEN ON CHEXSYSTEM.

Membership Information

Our County charter allows us to serve anyone who lives, works, worships, or attends school in Hartford County as well as their immediate family members. Immediate family includes parents, children, spouse, siblings, grandparents and grandchildren. In addition, a person in the same economic household of a member is also eligible for membership.

Email from Bank

Thank you for your interest in Hartford Federal Credit Union! To join the Credit Union, you simply need to open a basic Savings Account (Main Share) with us and make a deposit of $50 thru cash, check, or by direct deposit. Besides our two Hartford Offices, we have additional offices in South Windsor and West Simsbury, and also are part of national and regional ATM networks allowing you to utilize other financial institutions ATMs while avoiding costly surcharge fees.

Once your Main Share account is open, you are able to open/apply for all of our savings, loans, and convenience services. We have the capabilities of the banks, but in a smaller, more personable way, and offer LOW or NO fee services, LOW rate loans, and a variety of savings accounts including Holiday & Vacation Club Accounts, Money Market Accounts, CDs, IRAs, and our No-fee Checking Account.

To be in compliance with current regulations, we are required to review ChexSystems (and other sites) when any new member joins HFCU and is interested in a Checking Account. If we are unable to open a checking account due to outstanding funds owed with any financial institution, we are STILL ABLE to assist you with a Savings Account, giving you a place to save your funds, cash checks at no cost, obtain money orders, and establish credit.

We only obtain a members credit report when they are applying for a loan.I would be happy to mail a membership kit to you to get you started!

Types of Accounts OfferedSavings possibly checking
Locations

964 Asylum Avenue
Hartford, CT 06105
860-527-6663

244 Trumbull Street
Hartford, CT 06103

1665 Ellington Road (Rt. 30)
South Windsor, CT 06074

29 Albany Turnpike (Rt. 44)
West Simsbury, CT 06092

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

Any member can get a savings.

Membership Information

Persons who live, work, worship, or attend school in and businesses and other legal entities located in New London County or Windham County, Connecticut.

Persons who reside in the Town of Hebron, Connecticut, employees of the Town of Bolton, Connecticut.

Email from Bank

Yes, you can open a savings account only if your name is on ChexSystems. You need to provide proof that the issue has been resolved with the bank or financial institution named. After one year you can apply for a checking account. You would also have to have a valid picture ID with you to open the savings account. We require $5.00 in your savings account and there are no monthly fees for either savings or checking. We want to be your choice in all your financial needs and look forward to your joining our family. You can join at any of our 7 offices.

Types of Accounts OfferedSavings possibly checking
Locations

Norwich, Groton, Waterford, East Lyme, Plainfield.

Name of Bank Nutmeg State Federal Credit Union
Form of VerificationChexsystems and a credit report
Special Notes

ChexSystems needs to be paid and not indicate fraud to open a checking but anyone can get a savings.

Membership Information

Live, Work, Worship, Attend school or Volunteer in Hartford County, Middlesex County, or Tolland County, Connecticut.

Email from Bank

Upon opening a membership we do verify an individual’s ChexSystems records. However, we open a savings account regardless if there is a history on ChexSystems or not. We cannot open a checking account until the ChexSystems record is cleared up/paid off. If there is no history on ChexSystems, we run a credit report and once that is completed we can open a checking account.

Types of Accounts OfferedPersonal checking and savings
Locations

Rocky Hill, New Britain, East Windsor, Hartford.

Name of Bank Jewett City Savings Bank
Form of VerificationChexSystems
Special Notes

ChexSystems must be paid and not indicate fraud.

Email from Bank

You need to bring proof of paying the debt in full. A debit card cannot be issued for the first 3 months until we see the account is in good standing.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Brooklyn, Central Village, Dayville, Jewett City.

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

ChexSystems report must be paid and not indicate fraud.

Membership Information

Membership is available to anyone who lives, works, worships, or attends school in any of the towns in Hartford, Middlesex, or Tolland County.

Email from Bank

Yes, as long as it is reported on ChexSystems that any amounts paid in full.

Types of Accounts OfferedPersonal checking and savings
Locations

Hartford, South Windsor, West Simsbury.

Name of Bank Charter Oak Federal Credit Union
Form of VerificationChexSystems
Special Notes

ChexSystems must be paid and not indicate fraud then you can open a savings ONLY.

Membership Information

Charter Oak is a community credit union. Membership is open to anyone who lives, works, goes to school, volunteers, or worships in all cities and towns in New London County and Windham County, Connecticut. Membership also extends to immediate family or household members as well as businesses and other legal entities.

Email from Bank

Thank you for contacting Charter Oak Federal Credit Union. You will only be able open a Regular Savings account if the debt to the reporting bank is paid.

Types of Accounts OfferedPersonal checking, savings and business checking
Locations

Groton, Waterford, Pawcatuck, Dayville, Niantic, Norwich, Willimantic, Montville.

Name of Bank First National Bank of Suffield
Form of VerificationChexSystems
Special Notes

Report should not indicate fraud.

Email from Bank

We will need a letter from the institution stating that the account is paid. We can then open a savings account for you and watch it for six months. If there are no problems, we will be happy to open a checking account for you.

Types of Accounts OfferedPersonal checking, savings and business checking
Locations

Suffield Office
30 Bridge Street
P.O. Box 96
Suffield, CT 06078

West Suffield Office
1380 Mountain Road
West Suffield, CT 06093

East Granby Office
3A Turkey Hills Road
East Granby, CT 06026

Windsor Locks Office
6 National Drive
Windsor Locks, CT 06096

Name of Bank Rockland Trust
Form of VerificationChexSystems
Special Notes

As long as the debt is paid and the report does not show fraud, they will open an account.

Email from Bank

You may apply for a Rockland Trust checking/savings account at any time. If you have proof of payment you may want to bring it with you when you apply for your account. At the time of the account opening we will run your information through ChexSystems again and should see that the debt has been paid.

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

With membership, anyone can open a savings account. If your ChexSystems report is minor and there is no fraud reported or debt owed, you might be able to get a checking. Proof that it was paid would be necessary.

Membership Information

Membership in Seasons Federal Credit Union is open to anyone who lives, works, worships, attends school, or volunteers in Middlesex County and the towns of:

  • Branford
  • Cheshire
  • East Haven
  • Guilford
  • Madison
  • Meriden
  • North Branford
  • North Haven Wallingford
Email from Bank

We do use ChexSystems as well as credit reports when opening an account at Seasons Federal Credit Union. However, as long as you qualify for membership you are eligible for a savings account.

Types of Accounts OfferedSavings and maybe a checking
Locations

524 South Main Street
Middletown, CT 06457

28 Shunpike Road
Cromwell, CT 06416

1371 East Main Street
Meriden, CT 06450

635D South Main Street
Middletown, CT 06475

Name of Bank Westerly Community Credit Union
Form of VerificationChexSystems
Membership Information

Membership is open to residents of the State of Rhode Island and Southeastern Connecticut.

Email from Bank

We would have to pull it to see what it says. If you want to open a checking account, it would be a second chance checking which charges a $10 monthly fee.

Types of Accounts OfferedSecond chance checking
Locations

64 Kingstown Road
Wyoming, RI 02898-1103

71 South County Commons Way
South Kingstown, RI 02879

244 Post Road
Westerly, RI 02891-2621

122 Granite Street
Westerly, RI 02891-2400

Name of Bank NorthEast Alliance Federal Credit Union
Form of Verification2 IDs
Special Notes

Okay I talked to them and they do not use ChexSystems or a credit report. You do have to be eligible for membership there. It is $58.00 for savings and nothing to open a checking unless you order checks and then it is $50.00.

Membership Information

There are various companies that you can work for that makes you eligible for this membership. I know that if you work for Yale you are eligible. Please call for list of other companies.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

35 Bardonia Road P.O. Box 9157
Bardonia, NY 10954-9157

55 Whitney Avenue
New Haven, CT 06510

Name of Bank Sikorsky Financial Credit Union
Form of VerificationChexSystems
Special Notes

Anyone eligible for membership can get a savings account.

Membership Information

Membership is open to all who live, work, worship or volunteer within Fairfield, New Haven and Hartford counties of Connecticut (and also the towns of New Milford and Bridgewater in Litchfield County).

Email from Bank

You will be able to open a savings account with us even if you have a ChexSystem record. As far a a checking account that would be determined at the time you apply.

Types of Accounts OfferedSavings and possible checking depending on the record itself
Locations

Stratford, Shelton, Milford, Danbury, Seymour.

Name of Bank Ledge Light Federal Credit Union
Form of VerificationChexSystems
Special Notes

For best results the report must who there is no debt to the reporting bank or you need proof that it was paid and the report should not indicate fraud.

Membership Information

Persons who live, work (or regulary conduct business in), worship or attend school in, and business and other legal entities located in twelve (12) census tracts within New London County, Connecticut (6901, 6902, 6903, 6904, 6905, 6907, 6908, 7022.01, 7022.02, 7023, 7025, and 7027). Also see web site for additional membership info.

Email from Bank

If you can provide proof that the debt has been paid, like a receipt, copy of a statement or a letter from the financial institution, you will be able to open an account with us.

Types of Accounts OfferedPersonal checking and savings
Name of Bank Community Credit Union of New Milford
Form of VerificationChexSystems
Membership Information

Anyone who lives, works, or worships in New Milford or its surrounding communities qualifies for membership with the credit union.

Email from Bank

It depends on what shows up on ChexSystems. I have had a few that were on there, paid the debt but because of the severity they were not issued a checking account; only a savings. Then I have had some that checking accounts were opened...

Types of Accounts OfferedSavings possible a checking

  • Becky Richens

    [Comment awaiting moderation]

More Non-ChexSystems Banks in the U.S.

Select your state for a detailed list of local options

Look no further! Free checking account at BBVA Compass is available in Connecticut. Guaranteed approval even if you're on ChexSystems! Learn More & Apply Online