Non ChexSystems Banks & Credit Unions in Maine

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

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 Maine 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 New Dimensions Federal Credit Union
Form of VerificationChexSystems
Special Notes

Anyone can get a savings account.

Membership Information

Persons who live, work, worship, or attend school in, and businesses and other legal entities located in the counties of Kennebec and Somerset, Maine.

Email from Bank

To comply with the Patriot Act, we need two forms of ID. One form must be either, a current drivers’ license, state ID, or passport. The second can be one of the above or a social security card, birth certificate, hunting-fishing license, employer ID badge, military ID, or imprinted medical insurance card. We also need proof of physical address, which can be as simple as the envelope from a piece of mail which has been delivered. We do a ChexSystems for every checking account. $25.00 is the minimum share (savings) balance and there is a $6.00 fee to open a checking unless you are over 60. Senior citizens receive free checks and have not fee to open a checking. We can always open a savings. We can usually open a checking if all balances have been paid in full for 1 (one) year and there was no fraud.

Types of Accounts OfferedSavings, possibly checking

61 Grove Street
Waterville, ME 04901

Name of Bank Midcoast Federal Credit Union
Form of VerificationCredit card and ID
Membership Information

In order to become a member of Midcoast Federal Credit Union you must meet these guidelines.

Persons who live, work, worship or attend school in, and businesses, and other legal entities located in Sagadahoc County, Lincoln county, Knox County or the following towns in Cumberland County, Maine: Brunswick, Harpswell, or Freeport.

Sagadahoc County includes: Bath, West Bath, Arrowsic, Bowdoin, Bowdoinham, Georgetown, Phippsburg, Richmond, Topsham, Woolwich, and Perkins Township- Swan Island, and Five Islands.

Lincoln County includes: Alna, Boothbay, Boothbay Harbor, Bremen, Bristol, Damariscotta, Dresden, Edgecomb, Hibberts Gore, Jefferson, Monhegan Plantation, Newcastle, Nobleboro, Somerville, South Bristol, Southport, Waldoboro, Westport, Whitefield, Wiscasset.

Knox County includes: Appleton, Camden, Criehaven township, Cushing, Friendship, Hope, Isle au Haut, Matinicus Isle Plantation, North Haven, Owls Head, Rockland, Rockport, South Thomaston, St. George, Thomaston, Union , Vinalhaven Island, Warren, Washington.

Cumberland County includes: Brunswick, Harpswell, and Freeport.

Email from Bank

We do not use any systems to verify a new account. We need a valid photo ID and your SSN. If you wanted a debit card or Visa credit card we would pull a credit report.

Types of Accounts OfferedPersonal checking and savings

Bath, Brunswick, Thomaston, Edgecomb.

Name of Bank Eastmill Federal Credit Union
Form of VerificationID
Special Notes


Membership Information

The field of membership for Eastmill Federal Credit Union includes those individuals who reside, work or worship in Penobscot County, Katahdin Paper Company in East Millinocket; Also included in our field of membership are those who reside, work, worship or attend school in Sherman, Stacyville, Patten, and Island Falls and all relatives of these common bond groups, regardless of place of residence. As well as individuals, the Credit Union also serves businesses and organizations within our field of membership.

Email from Bank

The answer to your question is no, we do not verify credit/creditworthiness to open a savings or checking account.

You would be able to open an account so long as you qualify under the field of membership.

Types of Accounts OfferedPersonal checking and savings

60 Main Street
East Millinocket, ME 04430

4 Church Street
P.O. Box 481 Patten, ME 04765

Name of Bank Oxford Federal Credit Union
Membership Information

If you live, work, worship, or attend school in Oxford County, Maine, then you are eligible for membership at Oxford Federal Credit Union.

Email from Bank

If ChexSystems reflects that the amount due is paid in full, then we do allow you to have an account here if you fall within our field of membership (you must live, work, worship or attend school in Oxford County, Maine).

If ChexSystems does not show the balance paid in full, you would need to provide us with something in writing from the financial institution that reported you stating that the amount due was paid in full.

If the reporting is for NSF activity, we would ask you to sign an agreement stating that you realize that the account will be closed immediately if NSF activity occurs with your new account.

Types of Accounts OfferedPersonal checking and savings

Mexico and Oxford.

Name of Bank Town and Country Federal Credit Union
Form of VerificationCredit report
Membership Information

Town & Country's field of membership has grown to include anyone who lives or works in Cumberland County and York County, Maine.

Email from Bank

Currently we use a credit report only and look at the overall report and not a score.

Types of Accounts OfferedPersonal checking , savings and business accounts

South Portland, Portland, Scarborough, Saco.

Name of Bank Saco Valley Credit Union
Special Notes


Membership Information

You need to live or work in one of those counties or if you have a family member that is a member you would be also able to join. All of York and Cumberland Counties are eligIble for membership at Saco Valley Credit Union.

Email from Bank

We do not use any of those services you listed. We do not verify accounts with any kind of system or service.

Types of Accounts OfferedPersonal checking and savings

Saco, Waterborough.

Name of Bank Rockland Trust
Form of VerificationChexSystems
Special Notes

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

Email from Bank

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

Types of Accounts OfferedPersonal checking, savings and business accounts

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