Non ChexSystems Banks & Credit Unions in Nevada

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

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 Nevada 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 Nevada Federal Credit Union
Form of VerificationChexSystems
Special Notes

Must be paid and not show fraud or they will deny.

Membership Information

Our community charter authorizes people who work or live in Clark County, Nevada and Pahrump, Nevada to open an account. Additionally, people who work, live, or attend school within most areas of Reno, Nevada, are eligible to open an account. Immediate family members of existing members are also eligible to open an account at Nevada Federal.

Email from Bank

Thank you for your email. We do offer a New Start Checking account. To qualify for this account you must complete the In Balance online course.

Once you take this course it will email us the results. After you take the test you may go into any of our locations and they will pull your ChexSystems record and determine if your are eligible for membership with Nevada Federal Credit Union. The New Start Checking account is a savings and checking account that requires direct deposit of your net pay into the account and there is a $10.00 monthly fee.

Types of Accounts OfferedSecond chance checking
Locations

Las Vegas, Reno, Henderson, Sparks, Pahrump.

Name of Bank Bank Of Nevada
Form of VerificationChexSystems
Special Notes

Must be paid and not show fraud.

Email from Bank

We have one type of checking account, “New Opportunities Checking” which can be opened if there is a report on ChexSystems with the exception of report for fraud or ATM abuse. Must be paid!

Before we would be able to open this type of checking account, we would need a letter indicating settlement with the financial institution which reported on ChexSystems and a certificate of completion of Financial Education training at Consumer Credit Counseling Service of Southern Nevada (a one hour course which costs $20).

Types of Accounts OfferedSecond chance checking
Locations

Las Vegas, Henderson, Mesquite.

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 Nevada State Bank
Form of VerificationChexSystems
Special Notes

All reporting bank(s) must be paid and ChexSystems report can not indicate fraud.

Email from Bank

Thank you for your interest in opening a checking account with Nevada State Bank. Our Fresh Start account is a second-chance checking account for individuals whose accounts have been closed and charged-off by another financial institution due to excessive overdrafts. This is the only type of account that you can open if you have a record on ChexSystems.

Before opening the account:

You will be required to attend a checking account management seminar through Consumer Credit Counseling Services ($20 fee to be paid to CCCS).

You must provide written verification of payment in full to former bank.

If the account is in good standing after one year, your account type will be changed to any other account type Nevada State Bank has to offer. The minimum opening deposit amount is $25.00. There is a $5.00 monthly service charge. In the event you should have an item(s) presented against non-sufficient funds, there is a $30 charge per item paid or returned, plus a $5 charge each day the account is overdrawn. A warning letter will be sent after the first 3 NSF's stating the account will be closed on the 4th NSF. Accounts will be closed on the 4th NSF occurrence and will not be re-opened.

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

The manager told me its called "Fresh Start". Your last entry into ChexSystems must be older than one year. Cannot say Fraud. $10 a month.

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

This checking account is available to members who have a previous record on ChexSystems. With this account, members are given a 2nd chance. Maintain your 2nd Chance Checking for 12 months with positive account activity, and they will automatically graduate your account to a Star Checking!

  • Available to those members 18 and older who qualify
  • No minimum balance
  • There are no per check charges
  • Monthly service charge of $15
Membership Information

WestStar's members include any employee of any company licensed for Gaming by the State of Nevada and employees of various select employer groups (SEGs) from the original Charter. If you are employed by any of these qualifying companies, or are related to or living in the same household as anyone who qualifies for membership - you are eligible to join the credit union. Furthermore, your WestStar membership continues as long as you wish, even if you change jobs, move away, or retire, provided the account remains open and in good standing status.

Name of Bank Idaho Central Credit Union
Form of VerificationCredit report
Membership Information

Who is Eligible?

People who reside in, work in, or are paid in Jackpot, Nevada.

Email from Bank

Thank you for your email. We do not use ChexSystems, TeleCheck or early warning when opening a membership. We do use credit reports when we open them. In order to qualify for membership you must live or work in the state of Idaho and have a minimum credit score of a 480.

Types of Accounts OfferedPersonal checking, savings and business accounts

    More Non-ChexSystems Banks in the U.S.

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