Non ChexSystems Banks & Credit Unions in Kentucky

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

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 Kentucky 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 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 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 nine-county Louisville Metro Area. In addition to the Louisville Metro Area, Park also offers membership to select counties and areas in Berea, Lexington, and Richmond in Kentucky.

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
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 MidWest America Federal Credit UNion
Form of VerificationTeleCheck
Membership Information

Live, work, worship, attend school in the underserved area consisting of Allen, Barren and Monroe Counties, Kentucky. Businesses and other legal entities located in Allen, Barren and Monroe counties, Kentucky can also qualify;

Email from Bank

We use a system available through TeleCheck.

Types of Accounts OfferedPersonal checking and savings
Locations

120 Griffin Bell Dr
Hopkinsville, KY 42240

361 Old Gallatin Rd
Scottsville, KY 42164

Name of Bank Forcht Bank
Form of Verification2 forms of ID
Special Notes

They said they do have a 30 day wait policy to get a debit card, and that you must keep a balance of $200.00 or more and show activity within that 30 days to get the card. You need 2 forms of ID and 100.00 deposit to open a checking.

Email from Bank

We do not use anything. 

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Barbourville Banking Centers
1881 South US 25E Barbourville, KY 40906
401 Knox Street Barbourville, KY 40906

Boone Banking Centers
6100 First Financial Dr. Burlington, KY 41005-7868
7705 US Hwy 42 Florence, KY 41042
7500 Oakbrook Dr. Suite 19 Florence, KY 41042

Campbellsville Banking Centers
1405 East Broadway Campbellsville, KY 42718
391 Campbellsville Bypass Campbellsville, KY 42718

Corbin Area Banking Centers
820 Master Street Corbin, KY 40701
384 W. Cumberland Gap Pkwy Corbin, KY 40701
Cumberland Falls Hwy Corbin, KY 40701

Greensburg Banking Centers
102-108 North Public Square Greensburg, KY 42743
117 South Main Street Greensburg, KY 42743
5289 Hodgenville Rd. Greensburg, KY 42743

Lexington Banking Centers
2404 Sir Barton Way Lexington, KY 40509
506 W. New Circle Road Lexington, KY 40511
997 Governor's Lane Lexington, KY 40513

London Banking Centers
100 First Financial Plaza London, KY 40743
792 South Laurel Road London, KY 40741
50 Old Whitley Road London, KY 40741

Louisville Banking Centers
Dixie Highway Louisville, KY 40258-1140
10706 West Manslick Road Fairdale, KY 40118
6101 Greenwood Road Louisville, KY 40258
10505 Taylorsville Road Louisville, KY 40299

Somerset Banking Centers
1846 South Hwy 27 Somerset, KY 42501
105 W. Hwy 635 Science Hill, KY 42553
585 North Highway 27 Somerset, KY 42503
456 North Hwy. 27 Whitley City, KY 42653
4370 South Hwy. 27 Pine Knot, KY 42635

Williamsburg Banking Centers
1331 US Hwy 25W South Williamsburg, KY 40769
 
Williamstown Banking Centers
203 South Main Street Williamstown, KY 41097
1350 North Main Street Williamstown, KY 41097
58 Broadway Dry Ridge, KY 41035
1205 Owenton Road Corinth, KY 41010
230 Violet Road Crittenden, KY 41030

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 a 12 months, account can become Free Checking or any other Old National checking account.

Types of Accounts OfferedSecond chance checking
Name of Bank Fort Knox Credit Union
Form of VerificationID and SS card for savings only for checking they do run ChexSystems
Special Notes

I asked of they use ChexSystems, TeleCheck, or a credit report.

Membership Information

If you are employed by any of the following Select Employer Groups or live, work, or worship in Boyle, Breckenridge, Grayson, Hart, LaRue, Meade or Nelson County, then you and your family are eligible for membership with Fort Knox Federal Credit Union!

Or ANYONE can join this one: The lady I spoke with at Fort Knox told me if you apply online to select other on their eligibilty list and select ACC/KY chapter but you are still eligible under ACC national membership.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

Radcliff, Fort Knox, Elizabethtown, Leitchfield, Bardstown, Danville, Bradenburg.

Name of Bank First Southern National Bank
Email from Bank

We only require 2 forms of identification when opening an account. We do not use any of the systems that you inquired about.

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

141 Kentucky Avenue
Kevil, KY 42053

147 North Fourth Street
Barlow, KY 42024

359 Court Street
Wickliffe, KY 42087

101 West Washington Street
Princeton, KY 42445

1013 West Main
Princeton, KY 42445

3060 Harrodsburg Road
Lexington, KY 40503

27 Public Square
Lancaster, KY 40444

208 Stanford Street
Lancaster, KY 40444

11647 Richmond Road
Paint Lick, KY 40461

204 Fairfield Dr., Bell Place
Nicholasville, KY 40356

102 West Main Street
Stanford, KY 40484

1261 US Hwy 27 North
Stanford, KY 40484

9860 Main Street
Hustonville, KY 40437

214 Main Street
Crab Orchard, KY 40419

614 East Main Street
Stanford, KY 40484

138 North Main
Russellville, KY 42276

104 South Bethel Street
Russellville, KY 42276

1101 North Main Street
Russellville, KY 42276

894 Richmond Plaza
Richmond, KY 40475

Corner Hwy 27 & 80
Somerset, KY 42501

216 North Main Street
Monticello, KY 42633

1275 North Main Street
Monticello, KY 42633

Name of Bank Renasant Bank
Special Notes

They do not use ChexSystems.

2 forms of ID are needed

50.00 deposit to open the account

Email from Bank

Thank you for your inquiry. If you have no outstanding balance at Renasant Bank, you can open an account.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

This bank is not located in KY but some have been close enough to open accounts in nearby Nashville, TN

Name of Bank First People’s Family and Trust
Form of VerificationCredit reports
Email from Bank

We pull a credit reports on new accounts. We mostly use TransUnion. We also report with Equifax and Experian.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Flatwoods, Greenup, Russell, Ashland, South Shore

Name of Bank Bank Of Clarkson
Form of VerificationCredit report
Special Notes

Bank of Clarkson is a community minded bank that is part of the First Breckinridge Bancshares holding company. Within the holding company there are four banks and they are as follows: First State Bank, serving Breckinridge County, West Point Bank, serving Hardin County, Bank of Clarkson, serving Grayson County and River City Bank, serving Jefferson County.

Email from Bank

We use a TransUnion credit report and look at the overall credit situation not the score.

Types of Accounts OfferedPersonal checking and savings
Locations

Bank of Clarkson
Main Office
101 E. Main Street
Clarkson, KY 42726

Bank of Clarkson
South Main Office
417 South Main Street
Leitchfield, KY 42754

Name of Bank Citizens Bank and Trust of Jackson
Form of VerificationTeleCheck
Email from Bank

We use TeleCheck.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Main Office
720 Hwy 15 South
Jackson, KY 41339

Main Street Branch
1138 Main Street
Jackson, KY 41339

Name of Bank First Security Bank
Form of VerificationChexSystems
Email from Bank

The Limited checking. Called restart checking ........$10.00 one time set up fee, and the charge for your first order of checks is to be paid up front....$10.00 monthly fee.........$100 minimum opening deposit.......No more than one unsettled ChexSystems record allowed.....

You choose between checks or a debit card (you do not get both with this account).

Types of Accounts OfferedSecond chance checking
Locations

Main Bank Location:
300 Frederica Street
Owensboro, Kentucky 42301

South Frederica Location:
3560 Frederica Street
Owensboro, Kentucky 42301

Evansville Main Location
123 S. Green River Rd.
Evansville, IN 47715

Name of Bank First State Bank
Form of VerificationCredit report
Special Notes

DOES NOT USE CHEXSYSTEMS. THEY USE A CREDIT REPORT.

Email from Bank

We use a TransUnion credit report and look at the overall credit and not a score.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

First State Bank
Irvington Office
240 N. First St.
Irvington, KY 40146

First State Bank
Hardinsburg Office
Old Hwy 60
Hardinsburg, KY 40143

First State Bank
Rough River Office
Hwy 259
McDaniels, KY 40143

Name of Bank Wilson & Muir Bank and Trust
Form of VerificationCredit report
Special Notes

They do not use ChexSystems, TeleCheck or EWS.

Email from Bank

We will do a credit report when opening a new account. We do not belong to the other systems you wrote about. We don't receive scores, but your credit must be good (without collections, past dues, etc.)

Types of Accounts OfferedPersonal checking, savings and business checking
Locations

107 N. 3rd Street
Bardstown, KY 40004

101 Culpeper St.
Bardstown, KY 40004

824 N. Third Street
Bardstown, KY 40004

105 Taylorsville Road
Bloomfield, KY 40008

Chaplin Road
Bloomfield, KY 40008

123 W. Main Street
P.O. Box 39
Vine Grove, KY 40175

250 W. Dixie Avenue
Elizabethtown, KY 42701

118 S. Main Street
Leitchfield, KY 42754

1315 Elizabethtown Road
Leitchfield, KY 42754

9790 Elizabethtown Road
Big Clifty, KY 42712

130 St. Matthews Avenue
Louisville, KY 40207

Name of Bank Harrison Deposit Bank and Trust
Form of VerificationCredit report
Email from Bank

To open an new account, we pull a credit report we look at collections, bkrpt. and delinquencies.

Types of Accounts OfferedPersonal checking and savings
Locations

We are a locally owned FDIC insured commercial bank serving the Harrison County-Cynthiana Kentucky area.

Name of Bank City National Bank
Form of VerificationChexSystems
Special Notes

Offer an account called Bounce Back Checking

Bounce Back Checking

Have you ever tried to open a new checking account - only to be turned down? Avoid multiple fees and embarrassment with Bounce Back Checking.

  • Unlimited check writing
  • Free Gold Debit MasterCard®
  • Tips for balancing your checkbook
  • $4.99 with direct deposit and $6.99 without direct deposit
Types of Accounts OfferedSecond chance checking
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

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.

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

Bardstown and Louisville

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 United Bank
Form of VerificationChexSystems
Email from Bank

In response to you e-mail, we use ChexSystems before we open any account. We do offer a “second chance” account that has a monthly fee of $10.00 or if you have direct deposit the fee is $8.00. After 18 months we will offer a different account with no fees.

Types of Accounts OfferedSecond chance checking
Locations

Fayette, Jessamine, Scott and Woodford counties

Name of Bank Community Trust Bank
Form of VerificationEWS
Special Notes

They do NOT use ChexSystems but they do run EWS.

Email from Bank

We use a system called "Early Warnings"

Types of Accounts OfferedPersonal checking, savings and business accounts
Name of Bank First Federal Savings Bank
Form of VerificationChexSystems
Special Notes

$12.95 monthly fee with direct deposit.

$19.95 without direct deposit.

$25.00 to open and a one time $10.00 set up fee.

Types of Accounts OfferedSecond chance checking
Name of Bank Bank of Kentucky
Form of VerificationChexSystems
Email from Bank

We do offer a second chance checking product. If you have specific questions I can answer them for you or feel free to stop in to one of our branch locations.

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

Provides a clean start for those who may have had trouble with a past account. 50.00 to open the account. $8 with direct deposit $10 without direct deposit.

Email from Bank

Yes, we do have a Clean Start checking account. It is for individuals that may have a history with ChexSystems.

Types of Accounts OfferedSecond chance 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 Kentucky. Guaranteed approval even if you're on ChexSystems! Learn More & Apply Online