Non ChexSystems Banks & Credit Unions in New York

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

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 New York 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.


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  • Damian H

    BBVA COMPASS is the best. Not only do they not use chexsystems which in my opinion is horrible considering the people that work there are not even in the US but this bank has the best mobile app. BBVA wallet is a good tool. The app let's you know everytime your card is used which is a good fraud prevention tool. Also the mobile app is great as well. Pay bills, make deposits, I would recommend this bank to anyone. I wish they were in more states.

More Non-ChexSystems Banks in the U.S.

Select your state for a detailed list of local options

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