Non ChexSystems Banks & Credit Unions in South Carolina

Non-ChexSystems Bank Account at BBVA Compass is Available in South Carolina!

Listed in ChexSystems or have bad credit? BBVA Compass approves customers in ChexSystems for their ClearChoice Money Market bank account.


Account Benefits
Not a ChexSystems Bank

Unlike most other banks and credit unions, BBVA does not run ChexSystems for customer verification.

Easy, Convenient Online Banking

Keep an eye on your accounts, transfer money and pay your bills with free online banking.

Pay Your Bills On Time the Easy Way

Never miss another bill payment again. With free bill pay online, you can schedule one-time or recurring payments to individuals or businesses.

Free ATMs

No ATM transaction fee for withdrawals and deposits at BBVA ATMs.

 

Right now, a guaranteed bank account at BBVA is the only trusted option for customers listed in ChexSystems or looking for a second chance bank 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 South 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 FSNB
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

Parris Island

Name of Bank South Carolina Federal Credit Union
Form of VerificationCredit report and TeleCheck
Membership Information

We provide financial services that simplify the lives of people from all walks of life who live, work, worship or attend school in one of the following counties:

  • Berkeley County
  • Calhoun County
  • Charleston County
  • Clarendon County
  • Dorchester County
  • Georgetown County
  • Orangeburg County
  • Certain areas of Lexington and Richland Counties

If you live, work, worship, or attend school in Lexington or Richland Counties, click here to view a map of the eligible areas within these counties using Adobe Acrobat Reader. Users will need to view the detailed Columbia map at 300% or greater in order to read subdivision and street names.

Email from Bank

Thank you for your email! We appreciate your interest in applying for an account with South Carolina Federal Credit Union. We offer a full range of financial products and services to meet all of your financial needs. We do check TeleCheck and pull an inquiry on your credit report. In order to apply for an account with us, you must fall within our field of membership.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Branches are conveniently located throughout the following communities:

  • Charleston
  • Summerville
  • Georgetown
  • Columbia
  • St. Matthews
  • Orangeburg
  • Manning
Name of Bank Capital Bank
Form of VerificationCredit report
Special Notes

I called this bank and they do check the Equifax over all history on your credit report. Our credit score requirement is a minimum of 550.

Email from Bank

We do pull a credit report when we are opening new account. We also would need your drivers license & social security card to open the account.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Abbeville, Calhoun Falls, Greenville, Honea Path, Anderson, Clemson, Greenwood, Newberry, Saluda,Belton, Clinton, Greer, and Prosperity.

Name of Bank Greenville Heritage Federal credit Union
Form of VerificationCredit report and ID
Membership Information

Anyone who lives, works, worships, attends school or owns a business in Greenville County can join.

Email from Bank

Greenville National Bank requires certain identification from the customer, name, address, SSN, date of birth to open any account. Credit reports are utilized to verify information. We look at your overall credit and are not looking for a score.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Downtown Greenville
75 Reedy View Drive
Off River Street
Greenville, SC 29601

County Square Branch
County Square
301 University Ridge, Suite 2100
Greenville, SC 29601

Donaldson Center Branch
240 Terminal Road
Off Lockheed Martin Boulevard
Greenville, SC 29605

Simpsonville Branch
350 Harrison Bridge Road
At corner of Fairview and Harrison Bridge Roads
Simpsonville, SC 29680

Name of Bank WoodForest 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 First Reliance Bank
Form of VerificationChexSystems
Special Notes

They have a special account designed for those that are unable to get an account called check and save ANYONE is eligible.

Email from Bank

I decided to bite the bullet and open a checking account today at First Reliance bank even though they only offer an ATM card. Well to my surprise, they changed their policy two weeks ago!! NOW their second chance account comes with a VISA DEBIT Card!! And you can gets checks as well. (I didn't order checks from them since I am not sure who they use for check printing). And it's only $5 per month! YaY!! The process was quick and easy and the people in the branch could not have been any nicer. Great experience. Thanks :-)

Types of Accounts OfferedSecond chance checking
Locations

Florence, Lexington, West Columbia, Mount Pleasant, Charleston

Name of Bank Founders Federal Credit Union
Form of VerificationID
Special Notes

They do not use ChexSystems

Membership Information

You live, work, worship, attend school or volunteer in a designated area. Please call for details to see if you are eligible to join.

Email from Bank

Founders does not use this system.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

Founders has 25 offices and 3 service centers in the following counties:

  • Cherokee County, SC
  • Chester County, SC
  • Chesterfield County, SC
  • Lancaster County, SC
  • Laurens County, SC
  • Spartanburg County, SC
  • York County, SC
  • Mecklenburg County, NC
Name of Bank Blue Harbor Bank
Form of VerificationTeleCheck
Special Notes

I called and they only use TeleCheck, they do NOT use a credit report or ChexSystems.

Email from Bank

Part of the account opening process does include a reference from TeleCheck. If there is any negative information, we cannot offer a transaction account.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Located at Morrison Plantation
106 Corporate Park Dr.
Mooresville, NC

104 N. Statesville Road
Huntersville, NC

Name of Bank Clinton Federal Credit Union
Form of VerificationTeleCheck
Membership Information

Anyone who lives, works, worships, or attends school in Laurens County, or has a relative who is a member can become a member.

Email from Bank

I called and they do use TeleCheck.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

300 West Pitts Street
PO Box 1214
Clinton, South Carolina 29325

Name of Bank SRFCU
Form of VerificationTeleCheck
Membership Information

Anyone who lives, works, worships, or attends school in Spartanburg.

Email from Bank

I called and they do not run a credit report. They use TeleCheck.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

1000 Asheville Highway
Spartanburg, South Carolina 29305

1595 E. Main St
Duncan, South Carolina 29334

Name of Bank Georgetown Kraft credit Union
Form of VerificationTeleCheck
Membership Information

Anyone who lives, works, or attends school in Georgetown or Williamsburg Counties.

Email from Bank

I called and they only use TeleCheck.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

1530 Bourne Street
Georgetown, SC 29440

103 S. Morgan Ave.
Andrews, SC 29510

488 Nelson Blvd.
Kingstree, SC 29556

49 Jetty Drive
Pawleys Island, SC 29585

Name of Bank May Plant Credit Union
Form of VerificationID / credit report for debit card
Membership Information

Membership is open to any individual who lives, works, or attends school in Kershaw County.

Email from Bank

We do not run a credit report for a savings or checking account, but we do run a credit report when applying for a debit card.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

Elgin, Camden, Lugoff

Name of Bank SC Telco Federal Credit Union
Form of VerificationCredit report
Special Notes

Yes!! I was able to open a business account with SC Telco FCU. Very nice people, to speak of, as well!! Thank you very much for your help!

Membership Information

You live, work, worship, volunteer, or attend school in one of our approved communities in Spartanburg, Pickens, Greenville, Columbia, or Florence.

OR You are a member of the South Carolina Wildlife Federation.

Email from Bank

We actually just look at your credit score. We look for a score of 500.

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

Greenville, Spartanburg, Taylors, Easley, Liberty, Florence, Columbia

Name of Bank SPC Cooperative Credit Union
Form of VerificationChexSystems
Special Notes

Anyone eligible for membership can get a savings account.

For savings they use OFAC

Checking - ChexSystems (see email below)

Membership Information

Our membership includes anyone who lives, works, or attends school in Darlington, Florence, or Marlboro Counties.

Email from Bank

You have to open a savings account first to be a member which requires a $25.00, OFAC approval, valid driver's license and social security card. As long as the debt has been cleared from ChexSystems and we can get an approval you should be able to open a checking account.

Types of Accounts OfferedPersonal savings and maybe a checking
Locations

204 N 5th St
Hartsville, SC 29550

609 North Main Street
Darlington, SC 29532

(Across from Gate 1 [Main Gate] at Sonoco plant)
Hartsville, SC 29550

204 15/401 By-Pass East
Bennettsville, SC 29512

134 W. McIver Road
Florence, SC 29501

Name of Bank Community 1 Federal Credit Union
Form of VerificationCredit report
Special Notes

I called and they verified that they use Equifax and require a score of 540

Membership Information

If you live, work, worship, attend school in, own a business in Greenville County or are related to a current member, you are eligible for membership.

Email from Bank

If you live, work, attend school or church in Greenville County and you beacon score on your credit report is 540 or greater your are eligible for an account here. The types of services will depend on what is on your credit report.

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

I called and they do use Equifax and require a 550 or more generally but they look at the report overall.

Membership Information

We use a credit report.

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

Abbeville, Anderson, Greenville, Greenwood, Laurens, Newberry, Pickens, Saluda, Spartanburg

Name of Bank Carolina Trust Federal Credit Union
Form of VerificationChexSystems
Special Notes

Encore Checking If you've experienced previous checking mishaps and are looking to re-establish a checking relationship, we hope to give you a second chance to make a good impression. Talk with us. Your less-than-perfect checking record will be reviewed to see if you qualify for this account and agree to the account restrictions. After six months of healthy account management, you may request to trade your ATM for a VISA® debit card. After twelve months, you may apply for another checking account. Encore Checking applicants are required to meet with a Member Service Representative to discuss account restrictions. Encore account holders are required to pay a $10 monthly service fee regardless of account balance.

Membership Information

If you live, work, worship, volunteer, or attend school in Horry, Georgetown, Marion, Williamsburg or lower Florence County (south of Lynches River), then you are eligible for Carolina Trust membership.

Email from Bank

I called and they said that if you are not eligible for regular checking due to ChexSystems they do offer Encore checking.

Types of Accounts OfferedSecond chance checking
Name of Bank Safe Federal Credit Union
Form of VerificationEquifax credit report
Membership Information

Live, work, worship or go to school in Lee, Clarendon, Sumter and Orangeburg counties and parts of Kershaw, Florence, Richland and Lexington counties.

Email from Bank

For new checking accounts, we do pull a credit report to determine if you can open a checking with SAFE FCU. We require a score of 550 or higher.

Types of Accounts OfferedPersonal checking, savings
Name of Bank Upstate Federal Credit Union
Form of VerificationChexSystems
Membership Information

As a community credit union, anyone who lives, works, worships, or attends school in Anderson or Abbeville County, SC is eligible to join.

Email from Bank

It is my pleasure to tell you that, yes, we do have a product that we can offer to you even if you have a paid closure showing on ChexSystems.

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

Anyone that is eligible for membership can get a savings account only

Membership Information

Live, work, worship, volunteer, attend school, or belong to an organization that operates in Charleston county.

Email from Bank

We use ChexSystems for opening checking accounts. If you want to open just a savings, we don’t check any of these nor pull a credit report.

Types of Accounts OfferedSavings only when reported to ChexSystems
Name of Bank Yadkin Valley Bank
Form of VerificationEquifax credit report
Email from Bank

Yes, we do use Equifax before we can open a new account for someone that has never had an account with us before. If you have an existing account or if you have had an account in the past we are not required to get a report.

Types of Accounts OfferedPersonal checking, savings and business accounts
Name of Bank 1st Patriots Federal Credit Union
Form of VerificationTeleCheck
Special Notes

No ChexSystems or credit report

Membership Information

Membership is open to anyone who lives, works, worships or attends school in York County, South Carolina.

Email from Bank

I called and they only use TeleCheck.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

Main Branch
2760 Home Depot Blvd
Rock Hill, SC 29730

Fort Mill Branch
3064 Hwy 21
Fort Mill, SC 29715

Name of Bank AllSouth Federal Credit Union
Form of VerificationTeleCheck and a credit report
Special Notes

They do not use ChexSystems

Membership Information

Anyone who lives, works, worships or attends school in Richland, Lexington, Newberry, Saluda, Fairfield, Sumter, Kershaw or Calhoun Counties is eligible to join AllSouth.

Email from Bank

I called several locations and they only use TeleCheck and a credit report.

Types of Accounts OfferedPersonal checking and savings accounts
Name of Bank Ameris Bank
Form of Verification​ ChexSystems
Special Notes

It has been reported by several people that you can open a checking as long as the debt to the reporting bank is paid and there is no fraud listed on the report.

Email from Bank

Yes, you can still open up an account with us if the ChexSystems report states that everything has been paid and cleared.

Types of Accounts OfferedPersonal checking, savings and business accounts
Name of Bank Security Federal Bank
Form of VerificationCredit report
Email from Bank

The Bank requests a credit report on all signers when opening a new account.

Types of Accounts OfferedPersonal checking, savings and business accounts
Name of Bank NBSC
Form of VerificationEquifax credit report
Special Notes

Equifax credit report

Email from Bank

Thank you for contacting NBSC, a division of Synovus Bank!

In order to open a new checking or savings account, we ask that you provide two forms of identification. We also verify a credit report through Equifax reporting services. We have a variety of checking and savings account products to choose from. We also offer a reloadable Visa Debit Card product called the Synovus Connections Card.

Types of Accounts OfferedPersonal checking, savings and business accounts
Name of Bank First Federal Bank
Form of VerificationCredit report
Special Notes

I called and verified that they look at the overall credit. Generally need a score of 550 but some have been approved with lower one.

Email from Bank

Thank you for contacting us. We do run a credit report when opening a checking or savings account.

Types of Accounts OfferedPersonal checking, savings and business accounts
Name of Bank CPM Federal Credit Union
Form of VerificationEquifax
Special Notes

They use Equifax but they only run it to see if they can help you with loans etc, not for opening an account but they do insist on running it when a checking is opened. For a savings ONLY they will not run the credit report.

Membership Information

In order to become a member you must meet the eligibility requirements. If you live, work or worship in the Charleston area then you qualify for membership. However, if you are in the upstate or midlands area of South Carolina you must work for one of our member companies to qualify. Also, if you are a member of the South Carolina Fire Fighters Association then you automatically qualify for membership.

Email from Bank

I was able to get an account with CPM Federal Credit Union. They just check credit and not looking for a particular score. The just verify who you are.

Types of Accounts OfferedPersonal checking and savings
Name of Bank Greenville Federal Credit Union
Form of VerificationCredit report
Special Notes

They use Equifax and they look at your overall credit to determine if an account can be opened there.

Membership Information

Community charter allows anyone who lives, works, worships or attends school in Greenville County to become a member.

Types of Accounts OfferedPersonal checking and savings
Name of Bank SC State Credit Union
Form of VerificationEquifax credit report
Special Notes

Uses Equifax …they look at your overall credit to determine if an account can be opened there.

Membership Information

You can join State Credit Union if ANY of the following apply to you.

You live, work or attend school in Aiken, Anderson, Florence, Greenwood, Oconee, Orangeburg, Pickens or Spartanburg County.

Types of Accounts OfferedPersonal checking and savings
Name of Bank Spartan Federal Credit Union
Form of VerificationTeleCheck
Special Notes

Anyone who lives, works, worships or attends school in Spartanburg County is now eligible to open an account at Spartan Federal Credit Union.

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

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