Non ChexSystems Banks & Credit Unions in Mississippi

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

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 Mississippi 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 Renasant Bank
Form of Verification2 forms of ID
Special Notes
  • They do not use ChexSystems
  • 2 forms of ID are needed
  • $50.00 deposit to open the account

Person that got an account:

Thanks for the help. I was able to open a checking acct with debit card and checkbook with Renasant bank based in Tupelo, MS.

Email from Bank

If you have no outstanding balance at Renasant Bank, you can open an account.

Types of Accounts OfferedPersonal Checking, savings, and business
Name of Bank First National Bank of Picayune
Form of VerificationTeleCheck
Email from Bank

We use TeleCheck.

Types of Accounts OfferedPersonal checking and savings
Locations

Main Branch
121 East Canal Street
Picayune, MS 39466

North Branch
721 Cooper Road
Picayune, MS 39466

West Canal Branch
208 West Canal Street
Picayune, MS 39466

South Branch
801 Memorial Drive
Picayune, MS 39466

Poplarville Branch
1720 South Main
Poplarville, MS 39470

Wiggins Branch Southern National Bank
125 West College Avenue
Wiggins, MS 39577

Name of Bank Magnolia Federal Credit Union
Membership Information

Membership is limited to persons who live, work, worship, or attend school in Hinds, Madison, Rankin, Simpson, and Copiah Counties in Mississippi.

Email from Bank

We use TeleCheck when opening a checking account.

Types of Accounts OfferedPersonal checking and savings
Locations

Main Office
240 Briarwood Drive, Jackson, MS 39206

VA Medical Center Branch
1500 East Woodrow Wilson, Jackson, MS 39216

Castlewoods Service Center
139 Plaza Drive, Brandon, MS 39047

Name of Bank B&K Bank
Form of VerificationTeleCheck
Email from Bank

We use Equifax & TeleCheck for qualification to open checking or savings accounts at Britton & Koontz Bank, NA.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Main Office
500 Main Street
Natchez, MS 39120

411 Highway 61 North
Natchez, MS 39120

55 Sgt. Prentiss Dr.
Natchez, MS 39120

61 North Medical Center
2059 Highway 61 North
Vicksburg, MS 39183

2150 South Frontage Rd.
Vicksburg, MS 39180

Name of Bank First Bank
Form of VerificationTeleCheck
Email from Bank

We use TeleCheck.

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

Main Office
100 South Broadway
(Corner of 3rd St. & Broadway)
McComb, MS 39648

McComb Office
103 Edgewood Drive
McComb, MS 39648

Southwest Mall Office
1490 Delaware Ave.
McComb, MS 39648

1422 Delaware Ave.
McComb, MS 39648

Express Office
315 Third Street
McComb, MS 39648

Brookhaven Office
750 Brookway Blvd.
Brookhaven, MS 39601

Liberty Office
832 E. Main Street
Liberty, MS 39645

Magnolia Office
284 East Bay Street
Magnolia, MS 39652

Monticello Office
410 Broad Street
Monticello, MS

Osyka Office
535 West Railroad Ave.
Osyka, MS 39657

Summit Office
304 Robb Street
Summit, MS 39666

Name of Bank Farmers & Merchants Savings Banks
Form of VerificationCredit report
Email from Bank

We pull a credit report through Equifax.

Types of Accounts OfferedPersonal checking and savings
Locations

Baldwyn Main Office
111 West Clayton St
PO Box 278
Baldwyn MS 38824

Booneville North
1111 North Second St
PO Box 275
Booneville MS 38829

Booneville East
1000 East Church St
PO Box 275
Booneville MS 38829

Marietta
Highway 371
PO Box 100
Marietta MS 38856

Name of Bank Commercial Bank and Trust
Form of VerificationCredit report
Email from Bank

The normal procedure when opening a checking or savings account with our bank is for us to obtain a copy of your credit report.

Types of Accounts OfferedPersonal checking savings and business accounts
Locations

Southaven

Name of Bank Woodforest National 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 Priority One Bank
Form of VerificationID
Email from Bank

I called and they do not use ChexSystems and only use Equifax to check identity. This does not run a full credit report.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

215 Main St.
Collins, MS 39479

217 West Main St.
Seminary, MS 39479

6276 Highway 98 West
Hattiesburg, MS 39402

1400 W. Government St.
Brandon, MS 39043

3480 Highway 80 East
Pearl, MS 39208

1021 Hwy 49 South
Richland, MS 39218

528 2nd St.
Pelahatchie, MS 39145

1596 Simpson Highway 49
Magee, MS 39111

220 Main Avenue North
Magee, MS 39111

3069 Highway 13 North
Mendenhall, MS 39114

164 Highway 481 South
Morton, MS 39117

Name of Bank Heritage Banking Group
Form of VerificationTeleCheck and a credit report
Email from Bank

I called and they indicated that they do not use ChexSystems and only use TeleCheck and a credit report.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

114 South Pearl Street, Carthage
MS 39051

104 Hwy 16 West, Carthage
MS 39051

701 Hwy 16 West
Carthage, MS 39051

3098 Hwy 16 East
Edinburg, MS 39051

1520 West Government Street,
Brandon, MS 39042

223 Key Drive,
Madison, MS 39110

6169 US Hwy 98 West,
Hattiesburg, MS 39402

5419 Hwy 25, Suite Q
Flowood, MS 39232

Name of Bank Holmes County Bank and Trust
Form of VerificationCredit report
Email from Bank

I called and they do not use ChexSystems but will run a credit report.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

316 Court Square
P.O.Box 642
Lexington, MS 39095

9860 Main Street
P.O.Box 278
Goodman, MS 39079

407 Lee Street
P.O.Box 159
Vaiden, MS 39176

24857 Hwy 51 North
P.O. Box 127
West, MS 39192

Name of Bank Hope Community Credit Union
Form of VerificationChexSystems
Special Notes

They do use ChexSystems but you can still get an account once you become a member. They do offer an account called Easy Checking for those reported to ChexSystems and those with a credit score of less than 600.

$9.95 a month if the balance of $200.00 is not maintained. FREE if balance of $200.00 is maintained.

Types of Accounts OfferedSecond chance checking (paperless checking)
Locations

1493 Highway 17
Camden, MS 39045

350 Woodrow Wilson
Suite 370B
Jackson, MS 39213

1748 Terry Road
Jackson, MS 39204

188 Porter Avenue
Biloxi, MS 39530

11495 Old Hwy 61 North
Robinsonville, MS 38664

Name of Bank Citizens National Bank
Special Notes

My Clean Slate Checking is designed to offer you a second chance if past credit issues have kept you from opening a checking account. With My Clean Slate you can regain your financial strength, improve your credit scores, and eliminate costly check cashing fees.

  • $9.95 monthly charge with direct deposit you get a $2.00 savings
  • After 18 months in good standing, you may graduate and apply for a traditional checking account!
Types of Accounts OfferedSecond chance checking
Locations
  • Carthage, MS
  • Columbus, MS
  • Flowood, MS
  • Hattiesburg, MS
  • Kosciusko, MS
  • Laurel, MS
  • Macon, MS
  • Madison, MS
  • Meridian, MS
  • Olive Branch, MS
  • Philadelphia, MS
  • Quitman, MS
  • Ridgeland, MS
  • Southaven, MS
  • Waynesboro, MS
Name of Bank Bank Plus
Special Notes

Bankplus has a program called Creditplus, it involves completing an 4 hr course on credit and at the end of the class each participant receives an certificate that allows you to qualify for an $500 or $1000 loan based on your credit score. This loan is intended to help improve ones credit, but you also get to open up a checking and savings account regardless of TeleCheck or ChexSystems.

Types of Accounts OfferedSpecial checking for those reported to ChexSystems
Name of Bank Mississippi Telco Federal Credit Union
Form of VerificationTeleCheck
Special Notes

I called and they said they only use TeleCheck.

Membership Information

If you Live, Work, Attend School, Worship or Volunteer: in the Bloomfield or Riverwind developments in Pearl. or in Pearl South of Highway 80 and North of Old Brandon Road.

Types of Accounts OfferedPersonal checking and savings
Locations

409 Riverwind Drive
Pearl, MS 39288-7997


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