Non ChexSystems Banks & Credit Unions in Rhode Island

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

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 Rhode Island 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 Webster Bank
Form of VerificationChexSystems
Special Notes

Second chance checking… they have an account and it comes with a VISA debit card.

It cost $16.95 a month or $11.95 with Direct deposit.

Types of Accounts OfferedSecond chance checking
Name of Bank Rockland Trust
Form of VerificationChexSystems
Special Notes

As long as the debt is paid and the report does not show fraud, they will open an account.

Email from Bank

You may apply for a Rockland Trust checking / savings account at any time. If you have proof of payment you may want to bring it with you when you apply for your account. At the time of the account opening we will run your information through ChexSystems again and should see that the debt has been paid.

Types of Accounts OfferedPersonal checking, savings and business accounts
Name of Bank Westerly Community Credit Union
Form of VerificationChexSystems
Membership Information

Membership is open to residents of the State of Rhode Island and Southeastern Connecticut.

Email from Bank

We would have to pull it to see what it says. If you want to open a checking account, it would be a second chance checking which charges a $10 monthly fee.

Types of Accounts OfferedSecond chance checking

64 Kingstown Road Wyoming, RI 02898-1103

71 South County Commons Way South Kingstown, RI 02879

244 Post Road Westerly, RI 02891-2621

122 Granite Street Westerly, RI 02891-2400

Name of Bank Rhode Island Credit Union
Form of VerificationChexSystems
Special Notes

Debt must be paid and fraud can not be indicated on the ChexSystems report.

Membership Information

Membership is open to anyone who lives or works in Rhode Island.

Email from Bank

I called the bank and they will approve those reported to ChexSystems if the report is paid and no fraud.

Types of Accounts OfferedPersonal checking and savings accounts

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