Non ChexSystems Banks & Credit Unions in North Carolina

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

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 North Carolina 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 Fort Sill National Bank
Form of VerificationCredit report and ID
Special Notes

You DO NOT have to be military to get an account.

FSNB is now open to anyone regardless of being in their location. Take advantage of this while you can. It may not last. ** FSNB now uses a credit report and many people have been turned down due to credit issues ** They do not use ChexSystems or TeleCheck …most people are still being approved.

FSNB charges $1 fee for not using one of their ATM's, plus any 'foreign' ATMs.

You have to call them and ask for new accounts, telling them that you wish to open a new checking account ..an application will be mailed out to you.

Types of Accounts OfferedPersonal checking and savings
Locations

Reilly Road Branch
163 N. Reilly Road
Fayetteville, NC 28303

Wal-Mart Supercenter
1550 Skibo Road
Fayetteville, NC 28303

Yadkin Road Branch
6243 Yadkin Road, Suite 102

Wal-Mart Supercenter
7707 S. Raeford Road
Fayetteville, NC 28304

Wal-Mart Supercenter
3030 North Main Street,
Hope Mills, NC 28348

Wal-Mart Supercenter
2025 N. Marine Blvd.
Jacksonville, NC 28540

Marine Corps Air Station-New River (MCASNR), located in the MCX
Curtis Road and Smidt
MCAS New River, NC 28545

Wal-Mart Supercenter
1318 Mebane Oaks Rd.
Mebane, NC 27302

Wal-Mart Supercenter
4431 New Bern Ave.
Raleigh, NC 27610

Wal-Mart Supercenter
1725 New Hope Church Rd.
Raleigh, NC 27610

Wal-Mart Supercenter
720 US Hwy 74 Bus. E.
Rockingham, NC 28379

Broad Ave. Branch
1300 E. Broad Avenue
Rockingham, NC 28379

Wal-Mart Supercenter
670 Lillington Hwy.
Spring Lake, NC 28390

Bragg Blvd. Branch
501 N. Bragg Blvd.
Spring Lake, NC 28390

Wal-Mart Supercenter
2114 South Main St.
Wake Forest, NC 27587

Wal-Mart Supercenter
5226 Sigmon Rd.
Wilmington, NC 28403

Wal-Mart Supercenter
5226 Sigmon Rd.
Wilmington, NC 28403

Wal-Mart Supercenter
5135 Carolina Beach Rd.
Wilmington, NC 28412

4720-D New Centre Drive
Wilmington, NC 28403

Name of Bank Call Federal Credit Union
Form of VerificationTeleCheck and a credit report
Membership Information

Cabarrus, NC. Anyone who lives, works, worships, or attends school within parts of Cabarrus and Rowan Counties.

Email from Bank

TeleCheck and Equifax

Types of Accounts OfferedPersonal checking and savings
Name of Bank Fort Financial Credit Union
Form of VerificationAcquire
Special Notes

Email from person that got an account:

Hello, I did receive your list of non-ChexSystems banks and credit unions; and I am happy to say that I got BOTH a savings and checking account on yesterday from Fort Financial Credit Union, in Gastonia, NC...absolutely no problems...was in and out in 10 mins....Thank you VERY much.

Email from Bank

We verify through Acquire, which is a form of a credit bureau.

Types of Accounts OfferedPersonal checking and savings
Locations

Fort Financial Credit Union
3102 Spring St
Fort Wayne IN 46808

Locations:
121 Wamsutta Mill Rd.
Morganton, NC 28655

1475 N New Hope Rd.
Gastonia, NC 28054

Name of Bank Champion Credit Union
Form of VerificationTeleCheck
Membership Information

Anyone who lives, works or worships in Haywood, Buncombe or Henderson Counties can join Champion Credit Union.

Email from Bank

The Credit Union currently uses TeleCheck.

Types of Accounts OfferedPersonal checking, savings and business accounts
Name of Bank F&M Bank
Form of VerificationTeleCheck
Email from Bank

F&M Bank utilizes the services of TeleCheck.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Granite Quarry, NC
138 N. Salisbury Ave.
P.O. Box 307
Granite Quarry, NC 28072

Faith, NC
101 Main Street
Faith, NC 28041

China Grove, NC
116 N. Main St.
China Grove, NC 28023

Rockwell, NC
418 W. Main St.
Rockwell, NC 28138

Salisbury, NC
420 N. Main St.
Salisbury, NC 28144

Salisbury, NC
630 Jake Alexander Blvd W.
Salisbury, NC 28147

Salisbury, NC
221 Statesville Blvd
Salisbury, NC 28144

Salisbury, NC
102 Avalon Dr
Salisbury, NC 28146

Kannapolis, NC
2975 Dale Earnhardt Blvd.
Kannapolis, NC 28083

Concord, NC
635 Church St. N.
Concord, NC 28025

Name of Bank Charlotte Metro Credit Union
Form of VerificationChexSystems
Special Notes

Fresh Start Checking

Fresh Start Checking is a non-interest account for members looking to rebuild or reestablish their banking history. If you’ve been denied a checking account at another financial institution, Fresh Start Checking may be for you.

  • Unlimited Check Writing
  • No Minimum Balance
  • Free ATM/Debit Card
  • Automatic Overdraft Protection from Share Account
  • Free Cricket® Online Banking

Email From person that got an account: I got a fresh start checking account with Charlotte Metro Credit Union!! I applied online and got approved instantly!! I about fell out of my chair! It's been so hard not having a checking account!

Membership Information

If You Live, Work, Worship or Attend School in Mecklenburg, Iredell, or Union County you may join Charlotte Metro!

Types of Accounts OfferedSecond chance checking
Locations

MAIN OFFICE:
Charlotte Metro Credit Union
718 Central Avenue
Charlotte NC 28204

MATTHEWS BRANCH:
Charlotte Metro Credit Union
11110 Independence Blvd
Matthews NC 28104

HUNTERSVILLE BRANCH:
16649 Statesville Road North
Huntersville, NC 28078

Name of Bank Carolina Family Federal Credit Union
Form of VerificationID
Membership Information

Anyone who lives, works, attends school, or worships in Lenoir County can become a member of the credit union.

Email from Bank

We do not use any of the above mentioned verifying systems. We use only Driver's License and Social Security #'s.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

There are two office locations.

Highway 11 North (Unifi Plant) 28501
Phone #252-522-6778

2500 N. Herritage Street, Suite D, Kinston, N. C. 28501
Phone #252-520-6602 or 1-800-447-9529

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. There is a 15.00 monthly fee FOR A BUSINESS ACCOUNT.

$25.00 one time debit card processing fee.

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 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 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.

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
Form of VerificationID
Special Notes

Anyone can open a savings account but nothing is done electronically. They do NOT offer ATM cards and they do NOT offer checking at all.

Types of Accounts OfferedSavings only
Locations

252-537-6146
828 Roanoke Ave
Roanoke Rapids,
NC 27870

Name of Bank Carter Bank and Trust
Form of VerificationCredit report
Special Notes

I also called several locations and they told me that they do not use ChexSystems.

Email from person that has an account:

Carter Bank is a small bank system in North Carolina and Virginia. They do not have ATM or Debit cards, nor do they have online access to accounts. Just checking accounts with paper checks. They do not have minimum balance requirements. I have had several accounts with them for over 5 years. Great little bank, just about 20 years behind!

Email from Bank

Under Federal Regulation known as the "FACT ACT" we are required to obtain a credit report prior to the opening of any account. Thanks for your interest in Carter Bank & Trust.

Types of Accounts OfferedPersonal checking and savings accounts
Name of Bank Carolinas Telco
Form of VerificationCredit report
Special Notes

They do not use ChexSystems.

Membership Information

Employees, independent contractors, or self-employed persons, who work regularly in the Telecommunications Services Industry in North Carolina or South Carolina, meaning they work for:

  • telephone companies;
  • wireless companies;
  • Internet service providers;
  • telephone company support and service providers, for example, equipment installation, maintenance or repair providers;
  • and retirees of the above.
Types of Accounts OfferedChecking and savings accounts
Name of Bank Members Credit Union
Form of VerificationCredit report
Membership Information

You live in a 25 mile radius of Hope Mills, NC.

You live, work, worship, or go to school in Surry, Wilkes, or Yadkin County.

You live, work, worship, or go to school in Sampson or Duplin County.

Email from Bank

Members Credit Union currently uses credit reports to determine approval for new accounts.

Types of Accounts OfferedPersonal checking and savings accounts

    More Non-ChexSystems Banks in the U.S.

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