Non ChexSystems Banks & Credit Unions in Florida

Non-ChexSystems Bank Account at BBVA Compass is Available in Florida!

Listed in ChexSystems or have bad credit? BBVA Compass approves customers in ChexSystems for their ClearChoice Money Market bank account.


Account Benefits
Not a ChexSystems Bank

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

Easy, Convenient Online Banking

Keep an eye on your accounts, transfer money and pay your bills with free online banking.

Pay Your Bills On Time the Easy Way

Never miss another bill payment again. With free bill pay online, you can schedule one-time or recurring payments to individuals or businesses.

Free ATMs

No ATM transaction fee for withdrawals and deposits at BBVA ATMs.

 

Right now, a guaranteed bank account at BBVA is the only trusted option for customers listed in ChexSystems or looking for a second chance bank 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 Florida 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 Suncoast Schools Federal Credit Union
Form of VerificationCredit report
Special Notes

I did find an account at Suncoast Schools FCU. Occasionally throughout the year they offer open enrollment and all they look at is your credit score.

Membership Information

For membership eligibility: see web site.

Email from Bank

We use a product called “Deposit Shield” provided by Equifax.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

Arcadia, Bonita Springs, Bradenton, Brandon, Brooksville, Bushnel, Cape Coral, ClearWater, Crystal River, Dade City, Fort Meyers, Holiday, Immokalee, Inverness, Labelle, Lehigh, Lutz, Naples, Odessa, Pinellas Park, Plant City, Port Charlotte, Port Richey, Punta Gorda, Riverview, Ruskin, Seffner, Spring Hill, St. Petersburg, Tampa, Valrico, Wauchula.

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

44 locations in FL (see web site).

Name of Bank People’s Alliance Federal Credit Union
Form of VerificationID
Special Notes

Do not mention that you have found this account through our site, it will cause them to be suspicious that you have had problems with other banks.

Membership Information

Miami and Hialeah, Florida.

If you live, work, worship or attend school within any of the above boundaries you can save and borrow at People's Alliance.

Email from Bank

We don't use any of those. We give everyone a new chance.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

5757 Blue Lagoon Drive
Suite 100
Miami, FL 33126

Name of Bank Campus USA Credit Union
Form of VerificationCredit report
Membership Information

Anyone who lives, works or attends school in Alachua, Clay, Columbia, Lake, Marion or Sumter counties is eligible for membership.

Email from Bank

We pull credit reports through Equifax.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Gainesville, Lake City, Ocala, Summerfield.

Name of Bank Florida Credit Union
Form of VerificationTeleCheck and a credit report
Membership Information

All residents of Alachua, Bradford, Citrus, Clay, Columbia, Gilchrist, Lake, Levy, Marion, Putnam, Sumter, Suwannee and Union counties can join Florida Credit Union.

Email from Bank

We run each new account applicant through TeleCheck and pull a credit report from Equifax.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Gainesville, Lake City, Ocala, Starke

Name of Bank First Choice Credit Union
Form of VerificationID and credit report
Membership Information

Anyone living or working in Palm Beach County.

Email from Bank

We require a valid drivers license and social security card. With a checking account we will pull credit.

Types of Accounts OfferedPersonal checking and savings
Locations

1055 S. Congress Ave.
West Palm Beach, FL 33406-5195

2101 Centrepark West Dr. Suite 120
West Palm Beach, Fl 33409

11957 Southern Blvd.
Royal Palm Beach, Fl 33411

(located in the Crestwood Square Shopping Center)
7305 N. Military Trail

(in VA Medical Center)
Palm Beach Gardens, FL 33410

4060 PGA Boulevard # Suite 101
Palm Beach Gardens, FL 33410

Woolbright Corporate Center
1903 S. Congress Ave., Suite 100
Boynton Beach, FL 33426

Name of Bank 1st Credit Union Of Gainesville
Form of VerificationCredit report, telecheck, and OFAC
Membership Information

Is open to anyone living or working in the Gainesville area. If you are a registered voter and a resident of Alachua, Bradford, Gilchrist, Levy or Union county, you are also eligible for membership.

Email from Bank

We use Equifax for credit on new accounts, and TeleCheck. Additionally, we run OFAC checks.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Gainesville

Name of Bank Kennedy Space Center Federal Credit Union
Form of VerificationCredit report
Special Notes

It has been reported that they are picky about credit.

Membership Information

You are eligible for membership if you live, work, or worship in Brevard or Volusia County.

Email from Bank

The Credit Union uses Equifax Credit Services for new account verification.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations
  • Merritt Island
  • Headquarters Building
  • Cape Canaveral Air Force Station
  • Suntree
  • DeLand
  • Titusville
  • Multi-Function Facility
  • Port St. John
  • South Daytona
  • Palm Bay
  • Rockledge
Name of Bank Elgin Federal Credit Union
Form of VerificationID
Special Notes

They do not use ChexSystems, TeleCheck or EWS.

Membership Information

North Okaloosa County

Persons who live, work, worship or attend school in, and businesses and other entities located North of Shoal River Bridge in Okaloosa County.

South Okaloosa County

Persons who live, work, worship or attend school in, and businesses and other entities located in specific areas of Shalimar, Fort Walton Beach, Florosa and Wynnehaven.

Email from Bank

Eglin Federal Credit Union does not use ChexSystems or run a credit report when you open a checking account.

Sincerely, Barbara

Types of Accounts OfferedPersonal checking and savings
Locations

Navarre, Fort Walton Beach, Eglin, Hurlburt, North Crestview, South Crestview, Mary Esther, Niceville, Bluewater Bay, Destin.

Name of Bank Army Aviation Center Federal Credit Union
Form of VerificationChexSystems
Special Notes

Must be paid and not show fraud for a checking but anyone can get a savings.

USE CHEXSYSTEMS BUT ANYONE THAT QUALIFIES FOR MEMBERSHIP CAN GET A SAVINGS ACCOUNT.

Membership Information

Everyone who lives, works, worships, and attends school in Walton County, Florida IS ELGIBLE.

Email from Bank

Thank you for your recent email. If you qualify for membership you may open a savings account. If it has been 2 years from the date the account was paid in full then you could possibly be approved for a checking account.

Types of Accounts OfferedPersonal savings possibly checking
Locations

Santa Rosa Beach
200 Mack Bayou Rd
Santa Rosa Beach, FL 32459

Miramar Beach
106-B Miramar Plaza
12889 Emerald Coast Pkwy
Destin, FL 32550

Defuniak Springs
1421 US Highway 331 S.
Defuniak Spring, FL 32435

Name of Bank First Coast Community Bank
Form of VerificationCredit report and a score of 500 is required
Email from Bank

Any new account we open is run through Equifax. we do run a "soft" credit inquiry before opening any account, this will nto effect your score.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Fernandina and Yulee

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

IF CHEX IS PAID YOU CAN OPEN A SAVINGS ONLY

SHOULD NOT SHOW FRAUD

Membership Information

is open to anyone who lives, works or worships in sections of Dade County, Florida.

Email from Bank

IF YOU HAVE CHEXSYSTEMS, YOU CAN OPEN A SAVINGS BUT NOT A CHECKING ACCT.

Types of Accounts OfferedSavings only
Locations

Miami Lakes, Miami Center, Miami Airport, Hialeah, Kendal, Assurant

Name of Bank People’s Credit Union
Form of VerificationChexSystems
Special Notes

Second Chance Checking

  • One time Membership Fee $5.00
  • One time Administrative Fee: $20.00
  • Minimum Deposit to Savings: $300.00
  • (Membership Share – As an account holder all members must maintain $50.00 in their savings (share) account. 2nd Chance Checking members must maintain $250. on hold in their savings (share) account as security. Deposits on hold will earn interest.)
  • Minimum Deposit to Checking: $50.00 (Cost of checks will be deducted from this amount.)

Total amount to set up your account: $375.00

Monthly service fee only $10. per month includes:

  • No per check charges
  • ATM Card (Nationwide access)
  • VISA/Debit Card (Worldwide access)
  • Unlimited Audio Teller Transactions
  • Unlimited On-Line Banking
  • Unlimited On-Line Bill Payer
  • Direct Deposit of your Paycheck, or any reoccurring deposit such as social security, pension, etc.
Membership Information

You too can join Peoples Credit Union if you live, work or own property in Miami-Dade or Broward Counties.

Email from Bank

Hello good afternoon. Yes you may get an account with us.

However if your name is still under ChexSystems you will have to get a Second chance account with us.

Types of Accounts OfferedSecond chance checking
Locations

680 NE 124th Street
North Miami, FL 33161

1800 W. 49TH Street
Hialeah, FL 33012

1771 N. Flamingo Road
Pembroke Pines, FL 33028

6201 NE 2nd Avenue
Miami, FL 33138

Name of Bank 1st National Bank of South Florida
Form of VerificationChexSystems
Special Notes

ChexSystems must be paid and not indicate fraud.

Open a "New Opportunity Checking" Account and receive these benefits:

  • No Per-Check Fee
  • FREE Online Banking
  • FREE Online Bill Pay
  • FREE Online Statements
  • Opening required deposit - $100.
  • Monthly balance fee - $15.00 per month.
  • -after 6 months to a year you may be able to apply for a regular account
Email from Bank

Anyone reported to check systems who live within our market area (Homestead, Miami or Ft. Lauderdale) can apply for the new opportunity checking account, but; not everyone who applies will be approved. A branch manager is required to review the check systems report and make that decision.

Types of Accounts OfferedSecond chance checking
Locations

Homestead, Palmetto, Princeton, Miami

Name of Bank Republic Bank and Trust Company
Form of VerificationChexSystems
Special Notes

A special electronic transaction account with no minimum balance for clients with no more than 4 ChexSystems records.

Fresh Start

  • No minimum balance
  • Free Republic STAR/Presto ATM transactions
  • $2 ATM Transaction at any non-Republic/Presto ATM
  • $50 minimum opening deposit
  • Access the account with your CheckCard (make withdrawals at Star/PLUS/Presto ATMs; make purchases at retailers).
  • Free Internet Banking (not eligible for Bill Pay)
  • $10 Account setup fee
  • $12.95 Monthly fee with direct deposit; $19.95 Monthly fee without direct deposit

Honor Plus Account

  • Rebuild your banking privileges with Republic Bank's Honor Plus Account. The Honor Plus Account is a no minimum balance account, with a Republic Bank CheckCard and unlimited check writing.
  • No minimum balance
  • Unlimited CheckCard transactions
  • Free Republic Bank Star/Presto ATM transactions
  • Free Internet banking
  • Unlimited automatic payments to pay your monthly bills
  • Eligible for Internet Bill Pay
  • Eligible to open savings product
  • Unlimited check writing
Email from Bank

Yes, even if you have reports on ChexSystems you would still be eligible for either our Honor Plus or our Fresh Start accounts. You are eligible for Honor Plus if you have two or less reports on ChexSystems and at least one must be paid. You would be eligible for Fresh Start no matter the number of reports you have on ChexSystems. The main difference between the two accounts is the Fresh Start does not have check writing privileges. These are both available on our website or in any Banking Center.

Types of Accounts OfferedSecond chance checking
Name of Bank Jax Federal Credit Union
Special Notes

They only pull a credit report. You can get a savings if your score is too low. However, if you do direct deposit into savings, after a month, they will open a checking with a limited debit card.

Email from person that got an account: Thanks for your help. I did find a bank it was Jax Federal Union.

Email from person that got an account: I opened a checking account at Jacksonville credit union in Atlantic Beach, FL 32266 They don't use ChexSystems (only a hard credit check through Equifax)...they even told me I could get a car loan through them if I so choose.

Email from person that got an account: The Representative I actually spoke to, "Judy", also indicated that JAXFCU used to allow Customers whose credit score was not high enough to get a checking account after having a savings account with direct deposit for a month, but now they rely on the credit score exclusively. However, they do offer Customers an opportunity to attend a free class called "Get Checking" (904-387-8850; and bring in a certificate indicating that they have passed the course in order to get a checking account.

Membership Information

You live, work, worship or learn in Duval, St. Johns, Clay, Baker or Nassau County you can get an account.

Email from Bank

We use an Equifax credit report for opening a new account or checking account. A score of 540 is required.

Types of Accounts OfferedPersonal checking, savings and business checking
Locations

562 Park Street
Jacksonville FL 32204

1 Independent Drive, Suite 111
Jacksonville FL 32202

950 Blanding Boulevard #17
Orange Park FL 32065
(in the Village Shopping Center)

801 Atlantic Boulevard,
Atlantic Beach, FL 32233

4100 Belfort Road, Suite 1
Jacksonville FL 32216

400 W. Bay Street
Jacksonville FL 32202

37075 Aviation Lane
Hilliard FL 32046

Route 1, Box 465
Avenue B, Building 3121
Starke FL 32091

7254 103rd Street
Jacksonville, FL 32210

1440-31 Dunn Avenue
Jacksonville, FL 32218

Name of Bank Southern Commerce Bank
Form of VerificationChexSystems
Special Notes

They do offer second chance checking at the locations “ inside WalMart ONLY”

As long as there are not too many reported on your ChexSystems report, they will open the account. This is a FREE checking.

Types of Accounts OfferedSecond chance checking
Locations

1201 9th Avenue West
Bradenton, Florida 34205

1810 N. Belcher Rd
Clearwater, Florida 33765

5571 W. Hillsboro Blvd
Inside Wal-Mart
Coconut Creek, Florida 33073

1101 Beville Road
Inside Wal-Mart
Daytona Beach, Florida 32119

5100 Okeechobee Road
Inside Wal-Mart
Fort Pierce, Florida 34947

1800 NE 12th Avenue
Inside Wal-Mart
Gainesville, Florida 32641

6767 103rd Street
Inside Wal-Mart
Jacksonville, Florida 32210

10855 South US Hwy 1
Inside Wal-Mart
Port St Lucie, Florida 34952

5001 Taylor Road
Inside Wal-Mart
Punta Gorda, Florida 33950

11290 Park Blvd.
Seminole, Florida 33772

5650 Breckenridge Park Drive
Suite 110
Tampa, Florida 33610

Name of Bank Grow Financial Credit Union
Form of VerificationCredit report
Special Notes

Does not use ChexSystems.

Anyone in Florida can get a membership and an account here. You do not have to be local to a branch to get a membership, you can open by mail

Membership Information

Friends of Military Families, LLC is an organization whose purpose is to bring together individuals (age 18 and older and reside in the state of Florida) who share a common goal of improving the lives of our military personnel and their families. Charitable support will be provided to recognized non-profit organizations affiliated with MacDill Air Force Base through the donation of fees collected through membership in Friends of Military Families, LLC. There is a one-time membership fee of $5.00 to join the Friends of Military Families, LLC.

$5.00 is your lifetime membership fee (one-time, non-refundable) and an additional $5.00 deposit opens a Savings (Share) Account. This $5.00 deposit represents one Credit Union share and must stay in your account as long as you are a member.

Email from Bank

When a new account application is received, we pull the credit of the applicants. The information found on a credit report provides us with necessary information that we use to determine what products and services you qualify for and which ones will best suit your needs. If you don’t qualify for the regular checking they do have a starter checking.

Grow Starter Checking is a basic checking account designed to help members build a strong credit history. It comes with all the standard features you need to manage your everyday spending and has just a $10 monthly service fee. And, if your Starter Checking Account is kept in good standing for one year, you can automatically step up to Grow Everyday Checking. It comes with a debit card as well .. it is a regular checking other than the monthly fee.

Types of Accounts OfferedPersonal checking, savings and business
Locations
  • Hillsborough
  • Hernando
  • Pasco
  • Pinellas
  • Manatee & Sarasota
Name of Bank Calhoun Liberty Employees Credit Union
Form of VerificationTelecheck or a credit report
Special Notes

They do not use ChexSystems.

Membership Information

Their field of membership has been expanded!

Any person who either lives or works in Calhoun County or Liberty County is now eligible to join the credit union.

Email from Bank

We use TeleCheck or credit report.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

17394 NW Charlie Johns Street
Blountstown, FL 32424

10640 NW Main Street
Bristol, FL 32321

Name of Bank University Credit Union
Form of VerificationTeleCheck and a credit report
Special Notes

They do not use ChexSystems.

Membership Information

Their Membership field has expanded once again. Now, anyone working or living in Miami-Dade County is eligible for Membership in University Credit Union.

Email from Bank

In addition to running credit, we use TeleCheck.

Types of Accounts OfferedPersonal checking and savings
Name of Bank Coral Community Federal Credit Union
Form of VerificationChexSystems
Special Notes

Any member can get a savings and if the reporting banks are paid and fraud is not indicated, you can get a checking.

Membership Information

Anyone who lives, works, worships, attends school, or has business within the area North of Griffin Road to South of the Palm Beach/Broward County line, East of Weston Road to A1A, South of Oakland Park, and the Eastern border of University. Areas not presently included in our Field of Membership are portions of Sunrise and Coral Springs, Tamarac, Parkland and Port Everglades.

Email from Bank

We use ChexSystems and Equifax credit bureau. If you have something reporting in ChexSystems that is unpaid then all you can open at that time is a savings account without an ATM card unless you get direct deposit then we will offer you an ATM card. Once you have a settlement then we can offer you a checking with a debit card. We would need a letter, from the company that is reporting, stating that the account is settled.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

Fort Lauderdale and Davie

Name of Bank Community Trust Federal Credit Union
Form of VerificationCredit report and ID
Membership Information

They told me that anyone can join.

Types of Accounts OfferedPersonal checking and savings
Locations

111 Fountain Dr
Pierson, FL 32180

38000 SW 194th Ave
Homestead, FL 33034

825 S Park Ave
Apopka, FL 32703-3002

Name of Bank Community First Credit Union
Form of VerificationChexsystems and Equifax
Special Notes

They offer second chance checking. Community First Credit Union of Florida does have guidelines that are followed, if the ChexSystems record is less than 6 months old, or the amount was $500 or more, the applicant is not eligible for membership.

Having a ChexSystems record other than that, we may offer the applicant a Fresh Start account.

Membership Information

Community First Credit Union of Florida (Community First) is a state-chartered credit union based in Jacksonville serving anyone who lives or works in Baker, Clay, Duval, Flagler, Nassau, Putnam, and St. Johns counties.

Email from Bank

We do offer Fresh Start checking if you qualify. The minimum deposit is $50 and for the first 12 months there is a monthly maintenance fee of $10.00. At the end of the 12 month period if your account is in good standings you will be converted to a C1 Advantage checking which has no monthly service fee and earns monthly interest.

Types of Accounts OfferedSecond chance checking
Name of Bank State Employees’ Credit Union
Form of VerificationChexSystems
Special Notes

Anyone that gets a membership can get a savings.

Membership Information

Anyone living or working in the following counties: Baker, Bradford, Clay, Duval, Franklin, Gadsden, Jefferson, Leon, Liberty, Nassau, St. Johns, Taylor, Union, and Wakulla.

Email from Bank

YES, WE CAN OPEN A SHARE/SAVINGS FOR YOU IF YOU ARE ELIGIBLE FOR MEMBERSHIP.

Types of Accounts OfferedSavings only
Locations

Jacksonville and Tallahassee

Name of Bank CFE Federal Credit Union
Form of VerificationCredit report
Membership Information

If you live, work, attend school, volunteer or worship in Orange, Osceola, Lake or Seminole county, you can join CFE. Businesses and other legal entities may join as well.

Email from Bank

We use Equifax decision power which includes pulling the credit report. We unfortunately do not obtain the score we are provided by an approval or denial from Equifax.

Types of Accounts OfferedPersonal checking and savings accounts
Name of Bank Country Federal Credit Union
Form of VerificationCredit report
Membership Information

You have to live or work in Baker County or Baldwin you can get a membership.

Email from Bank

We verify with credit reports.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

Macclenny, Baldwin, and Glen St. Mary

Name of Bank Urban Trust Bank
Form of VerificationChexSystems
Special Notes

This second chance checking account can provide a fresh start for customers who have had challenges in the past, featuring:

  • Unlimited check writing privileges
  • No minimum balance requirement
  • Free, unlimited ATM transactions at our ATM ’s ($2.50 fee for using non-UTB ATMs)
  • $10 monthly service fee
  • Open account with low $25 deposit
  • Terms and Conditions subject to change at any time without notice.

** ATM card only for Opportunity Checking Accounts

** Fraud can NOT be reported

Email from Bank

Email from person that got an account:

I ended up going with Urban Trust Bank. They have an opportunity checking account in which they will give you a visa debit card. There is a $10.00 monthly fee but this can convert to a free checking in 1 year if you have no more than 4 overdrafts in the year.

If on ChexSystems for Fraud, they will not open an Opportunity checking account.

If you are on ChexSystems for Account Abuse (or anything else but fraud), and ChexSystems also states "No debt info available", they will open an opportunity checking account but it can NEVER be upgraded to a regular checking account, even after you fall off of ChexSystems after the 5 year limit. (This is what the personal banker I talked to told me, but there is nothing to stop moving to another bank once off of ChexSystems).

If you are on ChexSystems for Account Abuse (or anything but fraud) and a balance is listed, they will open an account for you, and if you pay the old debt off and handle the account properly and prove that the debt is paid, the bank will eventually upgrade the account to a regular checking account.

Restrictions on Opportunity Checking:

If your account OD's for any reason (including the $10 monthly charge), account closed.

No Debit Card - You only get an ATM card.

I do not know if they use EWS or not, they are inside of Wal-Mart and we now know Wal-Mart uses EWS, nobody ever found out and the personal banker didn't know either.

(How long does an account need to remain open before you know it's safe and won't be closed?).

I am also not sure if ACH transfers can be done to and from the account (if so, I could transfer some of my dd to my debit card which allows ACH deposits to the card at no charge.)

I may know more Tuesday when I get back.

Only $25.00 to open but I am not sure what check printers they use (probably a bad one), I also don't know if they can print counter checks on the fly or not. I don't get no receipts for rent and need something on paper.

This account can be upgraded to a FREE checking after 1 year of no NSFs.

Types of Accounts OfferedSecond chance checking
Locations
  • Orlando
  • Kissimmee
  • Leesburg
  • Port Orange
  • St. Cloud
  • Sanford
  • Gibsonton
  • Palmetto
  • Winter Haven
  • Jacksonville
  • Lakeland
Name of Bank Gold Coast Federal Credit Union
Special Notes

This account was created for people who have had checking problems in the past.

We realize everyone can have a financial problem. Things happen: medical bills, marital problems, the job change that didn’t work out. Then the bills pile up, checks bounce and your account is closed. When you go to another financial institution to open a checking account: you are refused because you’ve been reported to a check clearing agency. Just because your name is “on a list” shouldn’t mean that you will never be able to have a checking account.

The Fresh Start Checking Account has these features:

  • $10.00 Monthly Service Charge
  • $5.00 ATM Set Up Fee
  • NO NSF Fees Are Refunded 
  • NO Per Item Fees
  • FREE First Order Of Checks
  • FREE ATM Withdrawals At All Of Publix PRESTO! Machines
  • FREE Internet Account Access
  • Consumer Loan Discounts With Direct Deposit
  • Overdraft Protection Available
  • Re-Order Checks Online And Save Money

Here is the best part: After you have gone 1 year with NO NSF’s or Overdrafts, you will “graduate” to Gold Coast FCU’s Easy Pay checking account.

Membership Information

Anyone living, working, or worshiping in the Delray Beach area bordered to the north by Lake Ida Road, to the east by Federal Hwy, to the south by Linton Blvd. and to the west by I-95.

Email from Bank

If you are going to open a checking you will most likely have to open a Fresh Start Checking which has a $10 monthly fee.

Types of Accounts OfferedSecond chance checking
Name of Bank Vystar Credit Union
Form of VerificationTeleCheck
Membership Information

Individuals and businesses from Alachua, Baker, Bradford, Clay, Columbia, Duval, Flagler, Gilchrist, Levy, Putnam, Marion, Nassau, St. Johns, Union and Volusia counties can join VyStar.

Email from Bank

When establishing membership, information is obtained from Equifax, as well as TeleCheck. Once membership is established, additional accounts can be opened without the need for credit approval.

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

You must apply in person and they are very friendly to those reported to ChexSystems.

2nd Chance account is $7.95 if you have direct deposit. $9.95 if you do not.

$25.00 one time debit card processing fee. There is a 15.00 monthly fee FOR A BUSINESS ACCOUNT.

However, in 6 months or less, the branch determines if you can move to a regular account or open a savings in addition to the second chance account, regular accounts, you can open immediately! (Complimentary overdraft) requiring no credit will kick in after 30 days. It is $500 for direct deposit or $300 without it.

All deposits are available immediately. ALSO! Phone and Online banking are immediate overnight and they're open 7 days! They are VERY friendly and nice to those reported to ChexSystems.

Email from Bank

Before you can open an account with Woodforest National Bank we do run TeleCheck and ChexSystems. If you have any unpaid closures reported by a merchant or another financial institution on either one of these reports you will only qualify for our Second Chance Checking account. You will be able to open an account with us as long as we are able to properly verify your identity and you do not have an unpaid charged off account with Woodforest National Bank.

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

It has been reported by several people that you can open a checking as long as the debt to the reporting bank is paid and there is no fraud listed on the report.

Email from Bank

Yes, you can still open up an account with us if the chex system report states that everything has been paid and cleared.

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

In order to get a second chance checking here the debt to the reporting bank(s) MUST be paid and show on the report or you need a letter from the bank showing it has been taken care of

SCCU's New Directions Checking Account has everything you need to run your household, including:

  • $25 minimum opening deposit
  • New Directions Savings Account required as your primary SCCU account
  • No minimum balance required
  • 20 check items per month FREE. 20 cents per check over 20 checks

After you have held the account for at least one year, you may contact SCCU to request conversion to a regular account relationship. Approval will be dependent on your account history

  • Unlimited teller withdrawals
  • No direct deposit requirement
  • FREE Visa Debit/ATM card with no deposit capability and $100 withdrawal limit (debit cards issued subject to our usual credit criteria)

Checks other than the approved, verified payroll check will be deposited to the savings account and will be held for 11 business days. FREE Online Banking.

Membership Information

Membership in SCCU is open to all who work or live in Brevard, Broward, Clay, Duval, Flagler, Hillsborough, Indian River, Miami-Dade, Nassau, Orange, Osceola, Palm Beach, Pinellas, Seminole, St. Johns, St. Lucie, or Volusia Counties. There is a minimum of $10 to open a Savings Account (required by the credit union), $5 of which will apply to your one-time membership fee.

Email from Bank

Even if you have some other issues on your credit history, we have a “Fresh New Directions” savings and checking account that can be opened for you. It has some limitations that protect the credit union (for example, you can’t make ATM deposits) but it will give you a chance to create a good history.

If you need to build or rebuild a good credit history, we have a savings-secured credit card product that allows you to have a credit card with a small limit that is guaranteed by money that is held in your savings account.

You might have to be a member for a bit and build a good account history before we could issue one to you, but it’s a great product.

Types of Accounts OfferedOur specially designed credit building checking account provides basic checking services for members with a negative credit history. This account also provides members with the opportunity to add additional services based on a history of good account management.
Name of Bank Members First Credit Union of Florida
Form of VerificationChexSystems
Special Notes

SECOND CHANCE CHECKING

So you made a few mistakes...and when the dust settled, you were left with a few marks on ChexSystems. Second Chance Checking lets you chalk it up as experience and move on with your life. MembersFirst is handing you a clean slate. We're erasing the inconvenience of not having a checking account and offering you these benefits:

  • If you are reported to EWS, they will NOT approve you for the second chance account.
Membership Information

Individuals who reside or work in Escambia, Santa Rosa or Okaloosa County.

Email from Bank

Offer extended to members in ChexSystems due to Non-Sufficient Funds (NSF) activity only. Member's account must have been paid for at least 90 days before Second Chance Checking will be approved. Member may request a Regular Checking account after 12 successful months with no NSFs or overdrafts on the account. ATM privileges limited to $500 on-line and $100 off-line.

Types of Accounts OfferedSecond chance checking
Locations

Pensacola and Pace

Name of Bank First Florida Credit Union
Form of VerificationChexSystems and EWS
Special Notes

Smart Track Checking

Each year, thousands of people lose the right to have and use a checking account due to past challenges or financial mismanagement. This is devastating to consumers – forcing many into expensive and inconvenient methods of bill paying. That’s why First Florida Credit Union is pleased to offer the Smart Track Checking SM Account -- designed to:

  • Offer financial solutions unique to your individual circumstances
  • Provide you with a money-saving option
  • Provide education on how to achieve financial success

Features Include:

  • Free BillPayer Service*
  • Free Online Banking
  • Free SmartTrack Visa® Check Card
  • Surcharge-free ATMs worldwide
  • Thousands of no-fee Shared Branching Locations nationwide
  • Free online educational course InBalance checking account management education program

Account Requirements:**

  • Direct Deposit
  • Maintain your account in good standing.
  • No previous owed balances to the Credit Union
  • Pay $5 monthly fee

Graduate to a No-Monthly-Fee Checking Account
If you've had less than six returned checks in a rolling 12 month period, and you have completed the InBalance checking account management education program, (scoring 70% or higher on the exam), you may request to be moved into our No-Monthly-Service-Fee Checking Account or any other First Florida checking account. You are responsible for initiating the request.

Membership Information

Membership is open to:

Anyone who lives or works in any of the following Florida counties: Leon, Baker, Broward, Clay, Duval, Flagler, Orange, Hillsborough, Miami-Dade, Seminole, Nassau, Wakulla, Gadsden, Madison, Jefferson and St. Johns is eligible to open an account.

Types of Accounts OfferedSecond chance checking
Name of Bank Atlantic Coast Bank
Form of VerificationChexSystems
Special Notes

Get started today with a Fresh Start Checking Account

  • Only $100 to Open the Account
  • No Minimum Balance Requirement
  • ATM Privileges*
  • Unlimited Check Writing

FREE Online Banking Plus, when your Fresh Start account has maintained good standing for 6 months, you may apply for a FREE debit card. Additionally, after your account has maintained good standing for a year, you may apply to have your account converted to the Atlantic Coast Bank checking product of your choice!

Types of Accounts OfferedSecond chance checking
Locations

Jacksonville, Orange Park, Neptune Beach

Name of Bank City County Credit Union
Form of VerificationChexSystems
Special Notes

Have you ever been turned down for a checking account at the Credit Union or a bank? No problem! With a CCCU Encore Checking Account, you can begin to enjoy all the great benefits that come with this account.

  • No minimum balance requirement
  • No per check charges
  • Up to $100 ATM daily withdrawal limit
  • Up to $100 Point of Sale (POS) daily purchase power
  • Visa® Check Card (must qualify)

An Encore Savings Account

Because Encore Checking is designed for members who may have been denied access to a checking account previously, some deposit transaction restrictions may apply.

You'll need: To open an Encore Checking Account, call (954) 745-2400 or apply in person.

Membership Information

Anyone who lives or works in Broward, Palm Beach, Miami-Dade, Monroe, Martin, St. Lucie, Indian River, Brevard, Osceola, Orange or Seminole County, Florida.

Types of Accounts OfferedSecond chance checking
Locations

AutoBranch
1300 S Federal Highway
Fort Lauderdale, FL 33316

Fort Lauderdale Branch
634 NE 3rd Avenue
Fort Lauderdale, FL 33304

Margate Branch 
1982 N State Road 7
Margate, FL 33063

Sunrise Branch
8890 NW 44th Street
Sunrise, FL 33351

Pembroke Pines Branch 
881 NW 99th Avenue
Pembroke Pines, FL 33024

Miramar:
14469 Miramar Pkwy
Miramar, FL 33027

Lauderhill:
5565 W. Oakland Park Blvd.
Lauderhill, FL 33313

Wilton Manors:
2242 Wilton Drive
Wilton Manors, FL 33305

Name of Bank Union State Bank
Form of VerificationTotal ID through TransUnion to verify identity
Email from Bank

We normally do a Total ID through the credit bureau not a credit report.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Destin, Naples

Name of Bank Florida Bank
Form of VerificationChexSystems
Email from Bank

Do you know if the institution you had issues with reported your account paid? If it is paid You can visit any of our locations and possibly we might be able to work with you. Are you looking to open a personal account for yourself? If so we have a product called Opportunity Knocks Checking.

  • Minimum to open is $100.00,
  • Monthly service fee is $15.00.

We offer a Visa debit card that you can use at any Publix ATM with no fee. You are required to receive your statements by E-statements through online banking.

Types of Accounts OfferedSecond chance checking
Locations

Tampa, St. Petersburg, Oldsmar, Sarasota, Jacksonville, Ponte Vedra Beach, Tallahassee.

Name of Bank Dade County Federal Credit Union
Form of VerificationChexSystems
Special Notes

Fraud can not be indicated on the ChexSystems report in order to get the second chance account. $100.00 initial deposit, comes with a debit card but NO check writing, and there is a $10.00 monthly fee.

Membership Information

Persons (and their family members) who either live, work, worship, attend school, operate businesses or other legal entities located in Miami-Dade County are welcome to join Membership is also open to businesses and other legal entities located in Miami-Dade County, Florida.

Email from Bank

Email from a person that got an account:

I opened and account with Dade County Federal Credit Union:

  • 2nd chance checking, needs direct deposit every month
  • no paper checks and extra $10 fee per month, told it would be eligible for conversion to regular account in 6 months.
  • secured credit card available
  • secured loans available from $500. (Most banks in Miami area ask for 3000 +)
Types of Accounts OfferedSecond chance checking
Locations

Miami, Hialeah, Homestead, Coral Gables.

Name of Bank Bank United
Form of VerificationChexSystems
Special Notes

Special Notes from person that got an account:

Bank United changed their ChexSystems policy back in March. They will open a checking and savings as long as the chex entry is Paid. They will also accept a letter from the reporting bank that it is paid. The bank changed ownership and is trying to get more business. This is a BIG change, Bank United of old was Chex and credit report crazy. They will be opening some branches in NYC later this year. Kudos to the new investors that bought BU.

Types of Accounts OfferedPersonal checking, savings and business accounts

  • Denis K

    Can I use this account to buy stuff online?

  • Covester

    I went to write a check at Walmart the other day and found out that I’m in the system. What a mess.

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 Florida. Guaranteed approval even if you're on ChexSystems! Learn More & Apply Online