Non ChexSystems Banks & Credit Unions in Maryland

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

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 Maryland 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 Bank With United
Special Notes

I have called many many locations in several different states and they are indicating to me that they do NOT use ChexSystems and they do not run a credit report at all. I was not buying it at first so I kept calling more and more locations and I finally talked to a manager that told me how they were using ChexSystems in the past but they no longer do. He said all you need is

  • 2 IDs
  • SS card
  • Something that reflect a current address if ID is not correct
Membership Information

DO NOT order checks with Bank United. They utilize Deluxe for all of their materials basically.

Types of Accounts OfferedPersonal checking, savings and business checking accounts
Name of Bank MECU
Form of VerificationChexSystems
Membership Information

You can join MECU if you live, regularly work, worship or attend school in Baltimore City.

Email from Bank

You can open a Savings account but you would need to provide proof of payment before a Checking account is opened.

Types of Accounts OfferedSavings, possibly checking

Baltimore, Catonsville, Dundalk.

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 Pentagon Federal Credit Union
Form of VerificationCredit report
Special Notes

Anyone can open a savings account once they become a member but checking accounts are based on your credit report. They are known to be very picky about credit. Most are denied the checking account at this credit union and are only approved for the savings.

Membership Information

ANYONE can join this credit union, please see web site for eligibility.

Email from Bank

We will pull a copy of your credit report when you apply to open an account.

Types of Accounts OfferedPersonal checking and savings
Name of Bank Greenbelt Federal Credit Union
Form of VerificationTeleCheck
Membership Information

To qualify for membership you must live, work, attend school, or worship in Greenbelt.

Email from Bank

We use TeleCheck when opening a checking account.

Types of Accounts OfferedPersonal savings and checking accounts

112 Centerway
Greenbelt, MD 20770

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