Non ChexSystems Banks & Credit Unions in Indiana

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

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 Indiana 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 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 Park Community Federal Credit Union
Form of VerificationCredit report
Special Notes

Our Fresh Start accounts are for members who have credit scores below 574.

Fresh Start 1

  • No minimum balance unlimited check writing
  • FREE Pronto Debit/ATM card
  • Unlimited Pronto Debit card transactions
  • 7 FREE foreign ATM transactions**
  • Monthly service charge $12.00
  • Direct Deposit required
  • FREE Online Banking
  • FREE DIAL, our telephone banking service
  • FREE e-Statements
  • FREE e-mail notification Unlimited PCFCU ATM transactions No surcharge at any Republic Bank, Fast Bank Free, Money Pass, or Alliance One ATMs
  • FREE Notary Service
  • FREE Signature Guarantee
  • FREE Investment Counseling

Fresh Start 2

  • No minimum balance unlimited check writing
  • FREE Pronto Debit/ATM card Unlimited Pronto Debit card transactions
  • 7 FREE foreign ATM transactions**
  • Monthly service charge $15.00
  • NO Direct Deposit required
  • FREE Online Banking
  • FREE DIAL, our telephone banking service
  • FREE e-Statements
  • FREE e-mail notification
  • Unlimited PCFCU ATM transactions
  • No surcharge at any Republic Bank, Fast Bank Free, Money Pass, or Alliance One ATMs
  • FREE Notary Service
  • FREE Signature Guarantee
  • FREE Investment Counseling
Membership Information

Park was approved to become a Community Charted Credit Union, opening its doors to anyone who lives, works, worships, goes to school, or volunteers in the Bloomington: includes areas of Monroe County in Indiana and Floyd and Clark Counties in Indiana

Email from Bank

When opening a new savings or checking account, we no longer use ChexSystems. All we will do is pull your credit report.

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

New Albany, Clarksville

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

393 W. Plaza Dr
Columbia City, IN 46725

900 S. 13th St
Decatur, IN 46733

2835 N. Jefferson St
Huntington, IN 46750

1104 Medical Park Drive
Fort Wayne, IN 46825

1021 Swinney Ave
Fort Wayne, IN 46802

801 E. Tillman Rd
Fort Wayne, IN 46816

4331 W. Jefferson Blvd
Fort Wayne, IN 46804

9205 Stellhorn Crossing
Fort Wayne, IN 46815

1816 W. Dupont Rd
Fort Wayne, IN 46818

987 Werling Rd
New Haven, IN 46774

6001 Bluffton Rd
Fort Wayne, IN 46809

2011 Wayne Haven St
Fort Wayne, IN 46803

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.

Membership Information

Other Valuable Information:

  • None with any of the following:
  • Direct Deposits totaling $100+
  • $500 minimum balance
  • $2,500 Combined Deposit Balances
  • Otherwise $9.95 monthly fee
Types of Accounts OfferedPersonal checking, savings and business 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 ChexSystems 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.

Types of Accounts OfferedPersonal checking, savings, and business accounts
Name of Bank Kentland Bank
Form of VerificationID
Special Notes

I CALLED THEM AND THEY DO NOT USE CHEXSYSTEMS OR ANY KIND OF CREDIT CHECK AT ALL TO OPEN AN ACCOUNT, JUST BRING 2 FORMS OF ID.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Kentland Bank
111 North Fourth St.
Kentland, IN 47951

Lake Village
Village Square Center
P.O. Box 245
Lake Village, IN& 46349

Rensselaer
810 S. College Ave.
P.O. Box 164
Rensselaer, IN 47978

Roselawn
Junction State Rd. 10 & I65
P.O. Box 304
Roselawn, IN 46372

Name of Bank Mutual Bank
Form of VerificationChexSystems
Email from Bank

If there is a record on ChexSystems, we have the option of a 2nd Chance Checking account with no debit or ATM card and a monthly fee of $7.00.

When you open a new account we do a credit check. The credit check that we do will not affect your beacon score.

Types of Accounts OfferedSecond chance checking
Locations

Muncie, Albany, Yorktown, Goshen, Elkhart, Marion, Gas City, Warsaw, North Webster, Syracus, Winchester, Granger, Mishawaka, South Bend, Wabash.

Name of Bank Community Wide Federal Credit Union
Form of VerificationCredit report
Special Notes

Do not use ChexSystems.

Membership Information

Join by becoming a donor member of the Urban League of South Bend And St. Joseph County or Michiana Goodwill Boosters.

Email from Bank

We use Equifax Credit Reports.

Anyone can join. If you do not have a family member who has an account here or work for one of our Sponsored Employee Groups, you are eligible to join CommunityWide by joining one of our sponsor associations Michiana Goodwill Boosters or Urban League of St. Joe County.

There is a one time fee of $5 and can be handled when opening the account.

At this time there is no way to join online. We could mail you the necessary paperwork if you would like.

Types of Accounts OfferedPersonal checking and savings
Locations

1555 W Western Ave
South Bend 46619
(574) 239-2700

405 E Ireland Road
South Bend 46614
(574) 299-2800

3530 Hickory Road
Mishawaka 46545
(574) 255-2500

4625 Lincolnway East
Mishawaka 46544
(574) 254-4900

52550 Fir Road
Granger 46530
(574) 273-2600

52330 U.S. 933 N
South Bend 46637
(574) 277-5200

2110 Cassopolis
Elkhart 46514
(574) 266-1100

1420 W Jefferson
Plymouth 46563
(574) 935-3800

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 Your Community Bank
Form of VerificationChexSystems
Special Notes

This is from the website:

New Opportunity Checking

Have you ever mishandled your checking account? New Opportunity Checking lets you rebuild your record and reestablish your financial credibility.

Account Highlight:

No minimum balance requirement after initial deposit! Plus, enjoy great features of a traditional checking account!

Account Features:

  • New Feature: FREE e-Alerts
  • New Feature: FREE e-Statements
  • FREE ATM/Debit card
  • FREE Online banking
  • FREE Bill Pay
  • FREE Money transfers*
  • FREE EZswitch kit
  • ZERO fee ATM transactions**
  • 24-hour telephone banking
  • Notary service available
  • Traveler’s checks available
  • Cashier’s checks available
  • Direct deposit available
  • $9.95 a month or $6.95 with direct deposit
Types of Accounts OfferedSecond chance checking
Locations

New Albany, Clarksville, Floyds Knob, Sellersburg, Jeffersonville

Name of Bank Advantage Plus Federal Credit Union
Form of VerificationChexSystems
Special Notes

SAVINGS ACCOUNT ONLY

Membership Information

Advantage Plus of Indiana FCU is federally chartered and serves Persons who live, work, worship, or attend school in, and businesses and other legal entities located in Vigo County, Indiana.

Email from Bank

You would be eligible for savings. You just need to bring in a drivers license and $5.50 to open an account. Debit cards are not available on savings only- but you could get an ATM card.

Types of Accounts OfferedPersonal savings only if you have been reported to ChexSystems
Locations

Terre Haute

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

It has been reported that you can open a savings account ONLY with a membership.

Membership Information

Vigo County Federal Credit Union welcomes anyone who lives, works, or worships in Vigo County, Indiana to join the Credit Union. Students who attend any public or private school, college, or University in Vigo County, Indiana are also eligible to become members of the Credit Union.

Types of Accounts OfferedSAVINGS ONLY WHEN REPORTED TO CHEXSYSTEMS
Locations

Terre Haute

Name of Bank United Fidelity Bank
Form of VerificationChexSystems
Special Notes

They do offer a second chance account and The Bank on Evansville program also offers FREE money management classes currently being offered at Ivy Tech Community College.

Email from Bank

United Bank also offers an account for those customers who have been denied a checking account or have had a checking account closed due to special circumstances or past financial challenges.

This personal checking account is an affordable alternative to the high fees of check cashing services and money orders is called New Day Checking.

  • Open an account with $25
  • No Minimum balance
  • Low monthly service fee of $8 ends upon request after 12 consecutive months’ activity without an instance of insufficient finds
  • ATM/debit card after six consecutive months’ activity without an instance of insufficient funds.
Types of Accounts OfferedSecond chance checking
Locations

Evansville, Mt. Vernon, Newburgh

Name of Bank First Federal Savings Bank
Form of VerificationChexSystems
Special Notes

They do offer second chance checking called New Start Checking.

  • $ 25.00 to open
  • $ 5.00 monthly fee.
  • no debit card but ATM card is available upon request
Types of Accounts OfferedSecond chance checking
Locations

First Federal has seven convenient locations in Evansville and Newburgh to serve you.

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

Evansville

Name of Bank Evansville Commerce Bank
Form of VerificationChexSystems
Special Notes

They do offer a second chance account.

Email from Bank

We offer a basic free checking account with the program.

Types of Accounts OfferedSecond chance checking
Locations

Evansville

Name of Bank Heritage Federal Credit Union
Form of VerificationSecond chance checking
Membership Information

If you live, work, worship or attend school in Vanderburgh or Warrick County in Indiana, you qualify for membership.

Email from Bank

If a person has a record with "Check Systems" they are able to take a few training classes on managing a checking account and they are eligible to open a Second Chance Checking account. This type of checking account has a $10.00 monthly service charge.

There is no minimum balance requirements, and dividends are not paid on this account.

Types of Accounts OfferedSecond chance
Locations

Newburgh, Evansville, Booneville.

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).

Email from Bank

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 Members Source Credit Union
Form of VerificationOFAC
Membership Information

Persons working or residing in Lake County, IN, LaPorte County, IN, Porter County, IN and Jasper County, IN.

Email from Bank

No we do not use ChexSystems or a credit report.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

8580 Virginia St.
Merrillville, IN 46410

1903 45th. Ave.
Griffith, IN 46319

Name of Bank First Trust Credit Union
Form of VerificationTransUnion Credit report
Special Notes

If your credit report is bad, they give you a Fresh Start Checking, which means there is a $175 daily limit on the debit card but they do not use ChexSystems.

Membership Information

You live or work in Indiana’s La Porte, Porter, Jasper, Newton, or Pulaski Counties.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

Michigan City
950 East US Highway 20>br> PO Box 2116
Michigan City, IN 46360

LaPorte
402 J Street
LaPorte IN 46350

Valparaiso-Lincolnway
1404 East Lincolnway
Valparaiso, IN 46383

Valparaiso-Roosevelt
2101 Roosevelt Road
Valparaiso IN 46383

Wheatfield
4259 W. State Road 10
Wheatfield, IN 46392

Rensselaer
810 S. College Ave.
Rensselaer, IN 47978

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

Even with a ChexSystems record they will approve a savings account with an ATM card and will sometimes help those with checking once the record is paid.

Membership Information

Solidarity serves anyone who lives, works, worships or attends school in Howard and/or Tipton counties and select areas of Miami and/or Cass counties.

Types of Accounts OfferedPersonal checking and savings
Locations

Solidarity Community FCU
201 Southway Blvd E
Kokomo, IN 46902-3677

Name of Bank FlagStar Bank
Form of VerificationFIS Qualifile which does show ChexSystems information
Special Notes

They do offer second chance checking called A Next Step Checking for those reported to ChexSystems They will look at

  • 1. How old the report is
  • 2. The dollar amount owed.
Email from Bank

I called and they stated that they do offer second chance checking

  1. $ 50.00 to open the account
  2. $ 5.00 monthly fee
  3. MUST set up direct deposit Need valid Drivers license or 2 utility bills that show current address
Types of Accounts OfferedSecond chance checking
Name of Bank NorthPark Community Credit Union
Form of VerificationChexSystems
Special Notes

Features of Second Chance Checking:

  • No minimum balance
  • Unlimited check writing
  • ATM Card
  • $25 minimum deposit to open the account
  • FREE Online Banking for viewing your account information
  • Bill Pay (First 15 monthly transactions Free, $.50 per additional transaction)
  • Criteria for Second Chance Checking
  • No past fraud activity
  • No balance due at a NorthPark Community Credit Union charge-off

Positive balance for initial 6 months. Failure to do so results in immediate checking account closure Exception Holds (Reg C): All checks over $500 that are deposited/cashed will automatically be placed on an extended hold. Government-issued checks or payroll checks are excluded from these extended holds ONLY IF they are verified by the MSR.

Membership Information

Those who live or work in Boone, Hamilton, Hendricks, and Montgomery Counties or in the following townships of Marion County (Center, Decatur, Lawrence, Perry, Pike, Warren, Washington, and Wayne), as well as their family members.

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

They do participate in a program called bank on Evansville. They offer a second chance account called Rebound checking. This is ONLY offered in locations in Evansville.

Types of Accounts OfferedSecond chance checking
Name of Bank Diamond Valley Federal Credit Union
Form of VerificationChexSystems
Special Notes

They do participate in the program and offer a fresh start checking account. In order to be eligible you must have all debt owed paid to the reporting bank and the report must be a year old or older. There is a $10.00 monthly fee and after a year in good standing you can get a regular account.

Membership Information

Membership in Diamond Valley Federal Credit Union is open to anyone who lives, works, worships or attends school in Vanderburgh County or is an immediate family member of someone who does.

Types of Accounts OfferedSecond chance checking
Name of Bank Evansville Federal Credit Union
Form of VerificationChexSystems
Special Notes

They do participate in the program and if the class is completed they will open the account for you. There may be some restrictions.

Membership Information

Live, work, worship or attend school in, as well as businesses and other legal entities, located in Vanderburgh County, Indiana.

Types of Accounts OfferedThis is a regular account but the program certificate must be completed first.
Name of Bank Evansville Teachers Federal Credit Union
Form of VerificationChexSystems
Special Notes

They do offer a special account for those reported to ChexSystems.

Membership Information

Not a teacher? Not a problem! You don't have to be a teacher to join Evansville Teachers Federal Credit Union. There are literally thousands of ways to be eligible — making membership easier than ever before!

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

They do participate in this program for the Evansville ONLY location. The account is called Security Limited Account. It is designed for those reported to ChexSystems. The report must not indicate any money owed to the reporting bank(s) You get checks, Direct deposit and online banking, but there is a 10.00 monthly fee and you do NOT get a debit card for the first year. After one year of good history they will allow you a free account that does include a debit card.

Types of Accounts OfferedSecond chance checking
Name of Bank AAA Credit Union
Form of VerificationCredit report -550 score or about is required
Special Notes

They do not use ChexSystems but they do run a credit report. If you are not eligible for a regular checking they do offer Fresh Start checking.

Fresh Start Program

AAA Federal Credit Union is offering Checking Accounts, Debit/ATM Cards, and Loans to credit challenged members who would not normally qualify for these services. This Fresh Start Program gives our members an opportunity to re-establish their credit profiles and utilize consumer convenience in the process. After one year members who maintain their account with a good record of management and oversight will be considered eligible to convert to a regular checking and debit/ATM card with the regular features associated with those accounts.

Membership Information

Anyone who lives, works, attends school, worships or volunteers in St. Joesph County Indiana is eligible for membership at AAA Federal Credit Union.

Types of Accounts OfferedChecking
Locations

Wishawaka and South Bend


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