Non ChexSystems Banks & Credit Unions in New Mexico

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

Listed in ChexSystems or have bad credit? BBVA Compass approves customers in ChexSystems for their ClearChoice 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 New Mexico 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 1st Convenience Bank
Special Notes

THEY DO NOT USE CHEXSYSTEMS OR TELECHECK.

A division of First National Bank Of Texas.

I was able to benefit greatly from your list. I was able to get an account from First Convenience bank. They did not do a check what so ever. Thanks again for your help. It is greatly appreciated.

Email from Bank

We do not use ChexSystems, TeleCheck, or the like to determine the approval or decline of new accounts. The approval or decline of a new account is based on the customer’s history with our banking institution and is at the discretion of the banking branch location where you choose to bank.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Bernalillo, Farmington, LaCruces, Roswell

Name of Bank BBVA Compass Bank
Form of VerificationEWS (Early Warning System)
Special Notes

PLEASE NOTE THAT COMPASS BANK NOW USES EWS. PEOPLE HAVE BEEN TURNED DOWN DUE TO EWS, DO NOT APPLY FOR THIS ACCOUNT BEFORE SEEING IF YOU HAVE A REPORT ON EWS. Others have been approved and later closed.

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

Albuquerque

Name of Bank Jemez Valley Credit Union
Form of VerificationProper ID
Membership Information

Credit Union membership is for anyone who lives in, works in or owns property in the Jemez Valley or the Rio Rancho school district.

Email from Bank

We do not use ChexSystems or a credit report of any type.

Types of Accounts OfferedPersonal checking and savings
Locations

Jemez Springs

Name of Bank U.S. New Mexico Federal Credit Union
Form of VerificationChexSystems
Special Notes

This is for the New Mexico people, US New Mexico Federal Credit union opened a checking and savings acct for me today. I went into a local branch, applied and was approved right away, my 2 chex entries are paid and the rep said that is what made the difference. Unpaid not approved, paid its approved, so for some  there is one small glimmer of hope if you want a credit union, OH and they require a TransUnion FICO score of 590 or higher, they pull TU only.

Membership Information

You are 50 or better and live within a 50-mile radius of Albuquerque.

You live, work, worship or attend school in Sandoval County census tracts: 0101, 0103, 0104, 010701 or 010501.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

See web site

Name of Bank Bank of Albuquerque
Form of VerificationChexSystems
Email from Bank

Thank you for your email. We use ChexSystems; we also offer a product called Second Chance checking. If you are interested please contact our 24-hour Express Bank at 1-800-583-0709.

Types of Accounts OfferedSecond Chance Checking
Locations

See web site

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
Locations

See web site


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    Look no further! Free checking account at BBVA Compass is available in New Mexico. Guaranteed approval even if you're on ChexSystems! Learn More & Apply Online