Non ChexSystems Banks & Credit Unions in Illinois

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

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 Illinois 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.

Person that recently got an account: Thanks very much for your help. I used TCF Bank and had no problems. It was in the Jewel on Howard St in Evanston (in a plaza with a Best Buy).

Types of Accounts OfferedPersonal checking, savings and business checking
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 Old National Bank
Form of VerificationChexSystems
Special Notes

Old National has a "New Start Account" -- there's no restriction on if the chex entries are paid or not - is up to the branch manager. Old National has locations in Indiana, Kentucky and Illinois. The account is only offered in branches and can't be open on the phone or online. Account is $8 a month - has all the features as a regular account. If it stays in good standing for 12 months, account can become Free Checking or any other Old National checking account.

Email from Bank

Yes, we do offer a New Start checking account. To open one please visit any Old National Banking Center and they can assist you with this.

Types of Accounts OfferedPersonal checking and savings
Name of Bank Elkville State Bank
Form of VerificationProper ID
Special Notes

Has no web page...small bank. It has been reported that do not use ChexSystems. (618) 568-1541

Types of Accounts OfferedPersonal savings, checking, and business checking
Locations

110 S 4th St
Elkville, IL

Name of Bank US Employees Credit Union
Form of VerificationTeleCheck
Membership Information

You can become a USECU member if you live or work in the following cities:

  • Bedford Park
  • Harwood Heights
  • Northlake
  • Bellwood
  • Hickory Hills
  • Oak Lawn
  • Berkley
  • Hillside
  • Oak Park
  • Berwyn
  • Hines
  • Palos Hills
  • Broadview
  • Indian Head Park
  • River Forest
  • Burbank
  • Justice
  • River Grove
  • Chicago
  • LaGrange
  • Riverside
  • Chicago Ridge
  • LaGrange Park
  • Skokie
  • Cicero
  • Lincolnwood
  • Stickney
  • Elmwood Park
  • Lyons
  • Summit
  • Evanston
  • Maywood
  • Westchester
  • Evergreen Park
  • Melrose Park
  • Western Springs
  • Forest Park
  • Norridge
  • Franklin Park
  • North Riverside
Email from Bank

USECU verifies information through TeleCheck.

Types of Accounts OfferedPersonal checking and savings
Locations

MAIN OFFICE
230 S. Dearborn St. Suite 2962
Chicago, IL 60604

HINES OFFICE
5th Avenue & Roosevelt Road
Building 1, Room C124
Hines, IL 60141

CUSTOMS HOUSE
610 S. Canal St., Suite 240
Chicago, IL 60607

Name of Bank Central Federal Savings and Loan
Form of VerificationTeleCheck
Special Notes

They do not use ChexSystems, they do use TeleCheck.

Email from Bank

We currently use TeleCheck for any new checking or savings accounts opened.

Types of Accounts OfferedPersonal checking and savings
Locations

5953 W. Cermak Road
Cicero, Illinois 60804-2190

6940 W. Ogden Avenue
Berwyn, Illinois 60402-3692

1921 E. 31st Street
La Grange Park, IL 60525

Name of Bank Northside Community Federal Credit Union
Form of VerificationChexSystems
Membership Information

We are a community credit union - anyone who lives or works in Uptown, Edgewater, Lakeview or Rogers Park is eligible to join.

Email from Bank

We use ChexSystems for new checking accounts, or to issue an ATM card. We will open a savings account even if you have a ChexSystems record.

Types of Accounts OfferedSavings only if reported to ChexSystems
Locations

Chicago

Name of Bank Vantage Credit Union
Form of VerificationUses TeleCheck and credit report
Membership Information

If someone lives or works in St. Louis County or St. Charles County they are eligible.

Email from Bank

To open your membership, you may stop by any of our branch locations listed on the back of the brochure. There is no charge to join the credit union. We require a $5.00 deposit that is not available unless you decide to close your membership. Our savings and checking accounts have no minimum balance requirements or monthly service charge. If your current address is not printed on your driver's license, please bring a utility bill with you for proof of residence. In addition, if you are interested in a loan please bring a recent pay stub.

We verify a credit bureau report and TeleCheck when applying for membership. In order to open a checking account, Members must have a credit score of 499 or higher and pass the TeleCheck screening. If the credit score is below 499 or if the TeleCheck screening is not passed, we can open a restricted savings account with limited services. If both the credit score and TeleCheck screening are not favorable, we are not able to open any account. Vantage Credit Union is one of the best in the area and our values of service and education have helped us continue to grow over the years to help improve the financial lives of our Members. I think you will be pleased with the full array of services we have to offer.

Types of Accounts OfferedPersonal checking and savings
Locations

East St. Louis Branch (Has Drive-Up Lane)
5000 State Street
East St. Louis, IL
62205-1358

Name of Bank MidWest America Federal Credit UNion
Form of VerificationTeleCheck
Membership Information

Live or work in Vermilion or Coles County (Illinois).

Email from Bank

We use a system available through TeleCheck.

Types of Accounts OfferedPersonal checking and savings
Locations

1460 E St
(inside County Market)
Charleston, IL 61920

210 N. Gilbert St
Danville, IL 61832

500 Lake Land Blvd
Mattoon, IL 61938

Name of Bank Chester National Bank
Form of VerificationTeleCheck
Email from Bank

We use TeleCheck

Types of Accounts OfferedPersonal checking and savings
Locations

Chester
1112 State St.
PO Box 327
Chester, IL 62233

Sparta
165 West Broadway
Sparta, IL 62286

Northtown Shopping Ctr.
Sparta, IL 62286

Red Bud
1414 South Main St.
Red Bud, IL 62278

1010 North Main St.
Perryville, MO 63775

Name of Bank Glenview State Bank
Form of VerificationCredit report 650-700 score required and generally they use TransUnion
Email from Bank

At Glenview State Bank, we utilize a credit report.

Types of Accounts OfferedPersonal checking, savings, and business accounts
Locations

We have locations in Glenview, Northfield, Northbrook, and Arlington Heights.

Name of Bank First State Bank
Email from Bank

We use a credit report to verify a new account.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

First State Bank, Main Office
706 Washington Street
Mendota, Illinois 61342

First State Bank, Plaza North
817 Illinois Ave.
Mendota, Illinois 61342

First State Bank, Bloomington
2205 E Empire
Suite A
Bloomington, IL 61704

First State Bank, Peru
4351 Venture Drive
Peru, Illinois 61354

First State Bank, Ottawa
1212 LaSalle St.
Ottawa, Illinois 61350

First State Bank, Streator
302 East Main St.
Streator, Illinois 61364

First State Bank, McNabb
411 West Main Street
McNabb, Illinois

First State Bank, LaMoille
Gurney St. & Rt. 34
LaMoille, Illinois 61342

Name of Bank R.I.A. Federal Credit Union
Form of VerificationCredit report
Membership Information

Persons who live or work in Scott, Muscatine, Rock Island, and surrounding counties in Iowa and Illinois are eligible for membership, as are persons residing or employed in Monroe and parts of Juneau counties in Wisconsin.

Email from Bank

When opening a Checking or Savings account we pull a credit report. Most people will qualify for a savings account regardless of the result of their credit report; however, the determination of eligibility for a checking account would be at the discretion of the manager opening the account and is dependant on the outcome of the report. All members must also qualify for our field of membership before an account can be opened.

Types of Accounts OfferedPersonal checking and savings
Locations

Rock Island Arsenal
Building #61
Rock Island, Illinois 61299

1522 46th Ave
Moline, Illinois 61265
(563) 355-3800

103 3rd St
Savanna, Illinois 61074

110 East 10th Ave
Milan, Illinois 61264

Name of Bank Generations Credit Union
Special NotesThey do not use ChexSystems.
Membership Information

If you live or work in Boone, De Kalb, Ogle, Stephenson, or Winnebago counties.

Email from Bank

We are required by law to verify the identity of our members and verify that the member is within our field of membership. This is accomplished when you provide a government issued photo id (usually your driver's license) and a second form of government issued id (usually SSN card or voter registration card). Once we have verified your identity and confirmed that you are within our field of membership, then we can accept you as a member of our credit union. Membership will require a membership fee of fifty cents and a deposit of $25 into a regular share account (savings). That is all there is to the process of establishing membership and opening a savings account.

You can apply for a share draft (checking) account once you've established membership. The checking account does require an approval process that includes a credit bureau report. I presume from the nature of your question that you may have an issue with the credit report? If so, please be aware that depending on the severity of your issue, we still may be able help you through one of our programs. Please let me know if there is anything further you'd like for information or feel free to call our office and speak directly to our staff.

Types of Accounts OfferedPersonal checking and savings
Locations

Main Office
5618 Harrison Avenue
Rockford, IL 61108

MNP Precision Branch
1111 Samuelson Rd.
Rockford, IL 61109

Belvidere Branch Office
2026 N. State St.
Belvidere, IL 61008

Name of Bank Advantage One Credit Union
Form of VerificationCredit report
Membership Information

Our membership is open to all who live or work within 35 miles of our office in Morrison, IL

Email from Bank

First we have to have you become a member with the credit union and fill out membership cards and put $5.00 in a savings acct. Then if you want to open a checking acct we have to do a background check. In doing so we run a credit report. If you are eligible we give you your 1st 50 checks free, a debit card with a $5.00 fee. If you have any other questions please feel free to call 712-792-9728 and talk to Katie or Jean.

Types of Accounts OfferedPersonal checking and savings
Locations

204 N Jackson Street
Morrison, IL 61270

113 W. Fifth Street
Carroll, IA 51401

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

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

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

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

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

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

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

They do offer a second chance checking.

Email from Bank

The Bank on Evansville Program we offer is basically a free checking account with no minimum daily balance. You may have checks and a debit card with the account however it is monitored for negative balances.

Types of Accounts OfferedSecond chance checking
Locations

Marion, Harrisburg, Alton Pass

Name of Bank MainSource Bank
Form of VerificationChexSystems
Special Notes

They do offer second chance checking with free bill pay and it comes with a debit card.( see email below for more).

Membership Information

Email From person that got an account:

I opened the fresh start account today at MainSource Bank. She had it opened within 5 minutes. Takes $25.00 to open. You get an ATM card for the first 90 days and then a debit card there after. Must not be negative for 1 year in order to convert to a free account. You do get unlimited check writing and no Overdraft Solutions Courtesy Pay. It does have a $20.00 monthly fee until you convert over. They use deluxe when ordering checks. Its worth it for me because there are 4 branches where I live and very close to me.

Types of Accounts OfferedSecond chance checking
Name of Bank Archer Heights Credit Union
Form of VerificationCredit report
Special Notes

Email from person that got an account:

Archer Heights Credit Union: Fantastic place! Account opened in 15 minutes. You have to apply for the ATM/debit card. I don't know the results yet. I know the girl that opened the account said she had to put my information for OFAC. You have to open a savings with at least $50 and that $50 must stay in the account. The place is a bit disorganized. Every teller handles the transactions different. The girl that opened my account said the checks would be held for 10 days. The teller that actually took the deposits made the funds available immediatly. The next deposit I made (2 checks totalling around $400) was held for 5 business days and then the 3 set of deposits I made around $300 into savings (no holds) and $500 into checking ($160 held for 3 days and $100 held for 1 day and the rest was immediatly available. Not sure why there is always a difference). Location isn't conveinant and there is only one location but overall a good experience.

Membership Information

Any person who lives or works in any of the following ZIP codes is eligible to join our credit union - 60632, 60638, 60629, 60652, 60501.

Email from Bank

WE TAKE A CREDIT REPORT. FOR ALL ACCOUNTS We use a credit report for identification purposes.

Types of Accounts OfferedPersonal checking and savings
Locations

6554 W. Archer Avenue
Chicago, IL 60638-2439

Name of Bank South Central Bank
Form of VerificationCredit report
Email from Bank

Yes, you must have a credit score of at least 620 to open an account here.

Types of Accounts OfferedChicago
Locations

Chicago

Name of Bank Premier Credit Union
Form of VerificationChexSystems
Special Notes

If debt is paid to reporting bank and fraud is not reported, they will open an account (see email below).

Membership Information

Anyone that lives or works in the following areas:

Schaumburg, Palatine, Streamwood, Hanover Park, Elk Grove, Hoffman Estates, Northbrook, Glenview, Deerfield, Highland Park, Wheeling, Arlington Heights, and all other suburbs that fall into the listed townships below. The Chicago areas bounded by Devon Avenue to the north, Lake Michigan to the east, the DuPage-Cook County line to the west, and North Avenue to the south.

Email from Bank

You can still open an account with us, you would just have to wait 6 months to be issued a debit card and courtesy pay on your account. After 6 months we will rerun your ChexSystems and if nothing changes, you are allowed to have a debit card and courtesy pay.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

580 N. First Bank Drive
Palatine, IL 60067-8110

1750 S. Roselle Road
Palatine, IL 60067-7336

1334 Shermer Rd.
Northbrook, IL 60062

22 W. Schaumburg Road
Schaumburg, IL 60194-3502

2602 W. Dempster Rm. 36
Park Ridge, IL 60068

Name of Bank Glenview Credit Union
Form of VerificationChexSystems
Membership Information

Anyone who lives or works in Glenview, Northbrook, or Northfield Township; as well as an immediate family member of a Glenview Credit Union member, is eligible for membership. Membership begins when a savings account of $50 is opened.

Email from Bank

Providing you qualify under our membership parameters, we require a U.S. Government issued photo I.D. such as a drivers license, state I.D., Passport. If you open a checking account we do run ChexSystems. However – because we offer credit builder accounts --a ChexSystems record may determine a specific limit on a debit card, could require direct deposit, but probably would not exclude a person from getting a checking account with us.

Types of Accounts OfferedPersonal checking and savings
Locations

1631 Waukegan Rd
Glenview Il 60025

Name of Bank First National Bank of St. Louis
Form of VerificationChexSystems
Types of Accounts OfferedFresh start checking
Name of Bank Catholic and Community Credit Union
Form of VerificationChexSystems
Special Notes

Community Credit Union has a "rebound" checking option if you appear in the ChexSystems when they verify, so you will still be able to open a checking and savings accounts.

You have to maintain a $50.00 balance at all times in the account for one year and there is also a $5.00 monthly maintenance fee. This is for 1 year, if the account is kept in good standing for the year, it will be converted over to any of the other checking accounts that the credit union has to offer.

Membership Information

All residents of the St. Clair, Madison and Monroe Counties.

Email from Bank

Email From person that got an account: I have opened both a checking and savings and they have been GREAT to deal with.

Types of Accounts OfferedSecond chance checking
Locations

Main Office Location:
1109 Hartman Lane
Shiloh, Illinois 62221

Branch Office Location:
6100 West Main St.
Belleville, Illinois 62223

Branch Office Location:
1900 Carlyle Avenue
Belleville, Illinois 62221

Name of Bank Prarieland Federal Credit Union
Form of VerificationChexSystems
Membership Information

Anyone who lives, works, attends school, worships or volunteers in Mclean County Illinois.

Types of Accounts OfferedSecond chance checking
Locations

Normal

Name of Bank Rock Valley Federal Credit Union
Form of VerificationChexSystems
Membership Information

Rock Valley Federal Credit Union membership is available to anyone who lives, works, worships or attends school in the county of Winnebago, Illinois or anyone who lives, works, worships or attends school in the city of Rochelle, Illinois.

Types of Accounts OfferedSecond chance checking
Name of Bank Neighbors Credit Union
Form of VerificationTeleCheck and a credit report
Membership Information

You are eligible for Neighbors Credit Union membership if you meet one of the following criteria:

You live or work within St. Louis City (MO), St. Louis County (MO), St. Charles County (MO), Jefferson County (MO), St. Clair County (IL), Madison County (IL) or Monroe County (IL).

You have a relative that lives or works within St. Louis City (MO), St. Louis County (MO), St. Charles County (MO), Jefferson County (MO), St. Clair County (IL), Madison County (IL) or Monroe County (IL).

Email from Bank

When we open a new account, whether it is a savings or checking account, we run your name through TeleCheck. We do also run a credit report when you open a new checking account.

Types of Accounts OfferedPersonal checking and savings accounts
Locations


See web site

Name of Bank Standard Bank and Trust
Form of VerificationChexSystems
Special Notes

I talked to this bank and was told to apply for the regular checking and if I was not eligible then they would offer me the new Opportunity Checking account that has a monthly fee of $9.95.

Membership Information

Person that got an account: Standard Bank: I haven't received a debit card and haven't made any deposits other than the $100 opening deposit. They charge $9.95 for second chance checking.

Email From person that got an account: Hi! I just wanted to pass on that I was able to open a second chance banking account at standard bank and trust (IL). thank you for your help!!

Types of Accounts OfferedSecond chance checking
Name of Bank Illinois Community Credit Union
Form of VerificationCredit report
Special Notes

They do not use ChexSystems..person that got an account. However, Illinois Community Credit Union does not use ChexSystems or EWS. They base their decision on your credit score, and depending on your score, you are either eligible for their classic (free) checking or their basic (second chance) checking.

Membership Information

The membership is community based, so anyone who lives or works within 25 miles of one of their branches is able to join.

Email from Bank

When you open a savings account with Illinois Community Credit we do run your credit report and that will determine what you are eligible for.

Types of Accounts OfferedPersonal checking and savings
Locations

1500 Barber Greene Road
DeKalb, IL 60115

501 W. Main Street
Genoa, IL 60135

6 W. Main Street
Plano, IL 60545

820 S. 7th Street
Rochelle, IL 61068

508 W. State Street
Sycamore, IL 60178

Name of Bank First American Bank
Form of VerificationChexSystems
Special Notes

If you've had difficulty opening a checking account at other banks, First American Bank's Fresh Start Checking is the perfect checking account for you. Plus, you'll save time and money when you eliminate those time consuming trips to the currency exchange to cash checks or get money orders.

Account Features

  • Free First American Bank MasterCard® debit card
  • Unlimited check writing
  • Free mobile and online banking
  • Free eStatements
  • Free check images online
  • Free Bank-by-Phone
  • No minimum balance requirement ($50 to open account)
  • $9.95 monthly fee
Types of Accounts OfferedFresh Start Checking
Name of Bank Great Lakes Credit Union
Form of VerificationChexSystems
Special Notes

Fresh Start Checking

Fresh Start checking from GLCU offers our members a second chance at having a checking account. We know tough times may have prevented you from keeping your checking account in good standing. GLCU is ready to give you a Fresh Start on a checking account.

REQUIREMENTS:

  • Successfully complete BalanceTrack module "Checking Account Management"
  • $50 minimum checking balance must be maintained
  • $10 monthly service fee
  • $250 minimum monthly Direct Deposit
  • All other GLCU accounts must remain current

With a Fresh Start checking account we give you some great benefits that will allow you to conduct your daily transactions in a fast and convenient manner.

Membership Information

You can join Great Lakes Credit Union (GLCU) if you:

  • Live or work in Lake or McHenry County Illinois or Kenosha County Wisconsin
  • Are an employee of a company or organization on our current list of Select Employee Groups (SEGs)
  • Are active duty or retired military personnel or reservists
  • Are a current or retired federal government employee
  • Are a relative of a current member
Types of Accounts OfferedFresh Start Checking

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