Non ChexSystems Banks & Credit Unions in Tennessee

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

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 Tennessee 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

Wal-Mart Supercenter 3035 Hamilton Church Road Antioch, TN 37013

Wal-Mart Supercenter 1815 Decatur Pike Athens, TN 37303

Wal-Mart Supercenter 2315 Madison St. Clarksville, TN 37043

Wal-Mart Supercenter 120 Tanner Drive Clinton, TN 37716

Wal-Mart Supercenter 768 S. Jefferson Ave. Cookeville, TN 38501

Wal-Mart Supercenter 201 Lanny Bridges Ave. Covington, TN 38019

Wal-Mart Supercenter 168 Obed Plaza Suite 5104 Crossville, TN 38555

Wal-Mart Supercenter 1001 Over Mountain Avenue Elizabethton, TN 37643

Wal-Mart Supercenter 1112 Nashville Pike Gallatin, TN 37066

Wal-Mart Supercenter 4424 Lebanon Pike Hermitage, TN 37076

Wal-Mart Supercenter 3111 Browns Mill Rd Johnson City, TN 37604

Wal-Mart Supercenter 2915 W. Market Street Johnson City, TN 37604

Wal-Mart Supercenter 3200 Ft. Henry Drive Kingsport, TN 37664

Wal-Mart Supercenter 2500 W. Stone Drive Kingsport, TN 37660

Wal-Mart Supercenter 6777 Clinton Highway Knoxville, TN 37912

Wal-Mart Supercenter 8445 Hwy 51 N. Millington, TN 38053

Wal-Mart Supercenter 7044 Charlotte Pike Nashville, TN 37029

Wal-Mart Supercenter 5824 Nolensville Pike Nashville, TN 37211

Wal-Mart Supercenter 2000 Old Fort Parkway Murfreesboro, TN 37129

Wal-Mart Supercenter 2900 So. Rutherford Blvd. Murfreesboro, TN 37130

Wal-Mart Supercenter 105 Chickasaw Ridge Drive Oakland, TN 38060

Wal-Mart Supercenter 222 Wilkinson Lane White House, TN 37188

Name of Bank Renasant Bank
Special Notes
  • they do not use ChexSystems
  • 2 forms of ID are needed
  • $50.00 deposit to open the account
Membership Information

I did find the help - Renasant Bank in Nashville. I've had the account for two weeks now & had no issues at all. I can not thank you enough for the information and all of your hard work.

Thanks, I have opened an account with Renasant Bank which is closer to my Home here in Hendersonville TN.

This time last night I was extremely distraught over my bank situation. Tonight I am very grateful! I went to see Renasant first thing this morning and was able to open a new business and a new personal account! They were very nice, not stuffy and intimidating like many banks tend to be. I actually enjoyed the experience of talking with her for the short time I was there. I found out they are a new bank in this area and there is no doubt that I would have NEVER found them had it not been for your help and guidance. You are doing a wonderful thing by dedicating your time to this work. What a blessing you are to me. Thank you so very very much. God bless you! I will be sending you something once I receive my debit cards and checks in the mail. If there is ever anything that you need in the Nashville,TN area, let me know and I will do whatever I can to help. Thank you again! Jacqueline.

Renasant Bank was the one that worked for me.. they were great.. got a checking account with a debit card. Probably the nicest treatment I've ever received at a banking institution. I would highly recommend them to anyone, good credit or bad. Sally.

Email from Bank

Thank you for your inquiry. If you have no outstanding balance at Renasant Bank, you can open an account.

Types of Accounts OfferedPersonal checking, savings and business accounts
Name of Bank Community National Bank
Form of VerificationCredit report
Membership Information

Community National Bank Dayton, TN approved me…thanks!

Email from Bank

We use a Vscore (identify profile) to decide weather to open an account. Credit report is only used when applying for a Visa Debit Card.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Dayton Office

1271 Market Street / P.O. Box 255 / Dayton, TN. 37321 / 423-570-0280 / 800-498-5842

Spring City Branch

22400 Rhea County Highway/ P.O. Box 159 / Spring City, TN. 37381 / 423-452-0280

Soddy Daisy Branch 10087 Dayton Pike / P.O. Box 579 / Soddy Daisy, TN. 37384 / 423-332-0280

Name of Bank Altra Federal Credit Union
Form of VerificationChexSystems and a credit report
Special Notes

USES CHEXSYSTEMS BUT IF PAID, 6 MONTHS OLD CAN GET AN ACCOUNT.

FOR BEST RESULTS FRAUD SHOULD NOT BE INDICATED.

Membership Information

See web site for area on map for eligibility.

Email from Bank

As long as the listing on ChexSystems is 6 months or older and showing paid you would be able to open an account. We have a 6 month trial basis with no NSF activity and we wait that 6 months before ordering a check/debit card for the member.

Types of Accounts OfferedPersonal checking and savings
Name of Bank Commercial Bank and Trust
Form of VerificationCredit report
Email from Bank

The normal procedure when opening a checking or savings account with our bank is for us to obtain a copy of your credit report. A score of 600 is required.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Jackson, Memphis, Paris, Union City

Name of Bank Community Bank and Trust
Form of VerificationCredit report
Email from Bank

For account opening procedures, we check a credit report for both checking and savings accounts. You would also need proper identification as defined by the U.S. Patriot Act. The minimum opening deposit for either a checking or savings account is $100.00.

We have a minimum score requirement of 500; however, some people with higher scores are occasionally declined due to other information in the credit report. People with scores below a 575 are monitored more closely. A score of at least 610 is required for a Visa Debit Card.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

9125 Lee Highway in Ooltewah, TN 37363

( Near Hardees across from Little Debbie Parkway)

8045 E. Brainerd Road in Chattanooga, TN

(Across from CVS Pharmacy near Graysville Road)

4712 Hixson Pike in Hixson, TN 37343

Name of Bank Highland Federal Savings and Loan
Form of VerificationID
Special Notes

Could you please tell me what you use to verify new checking and savings accounts. Do you use ChexSystems, TeleCheck, a credit report etc? see response in email..there is a 60 day wait on a debit card.

Membership Information

I was able to open a checking account at Highland Federal Savings & Loan in Crossville, TN with my driver's license and Social Security card and $100 deposit.

Email from Bank

We do not use any of those systems. We only require you produce your drivers license and social security card. You also need to reside in Cumberland County, or a surrounding county, or be a loan customer, or have a loan in process.

I then asked When a person orders a debit card for a new checking, do you run ChexSystems or a credit report?

RESPONSE:

NO BUT THERE IS A WAITING PERIOD TO APPLY FOR A DEBIT CARD OF 60 DAYS.

Types of Accounts OfferedPersonal checking and savings
Locations

MAIN OFFICE 106 South Main Street, Suite 103 Crossville, TN 38555

FAIRFIELD GLADE BRANCH OFFICE P.O. Box 1727 126 Stonehenge Drive Fairfield Glade, TN 38557

Name of Bank First National Bank
Form of VerificationCredit report
Special Notes

They want a score of 600 or more to open a checking.

Email from Bank

We use credit reports to verify new accounts.

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

Pulaski, Fayetteville, Lewisburg, Belfast, and Ardmore.

Name of Bank First South Credit Union
Form of VerificationCredit report
Membership Information

If you are living, working, worshiping or attending school in Shelby, Tipton, Fayette, DeSoto, Marshall, Tate or Tunica counties you are now eligible for membership.

Email from Bank

We use a credit report.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

6471 Stage Rd Bartlett, TN 38134

1575 N. Germantown Pkwy. Cordova, TN 38018

633 S. Highland Memphis, TN 38111

1940 Madison Ave. Memphis, TN 38104

7792 Church St. Millington, TN 38053

7645 Tarawa Avenue Millington, TN 38054

3731 Austin Peay Hwy. Memphis, TN 38128

262 Danny Thomas Place Memphis, TN 38105

209 Rawlins Service Court Memphis, TN 38152

1250 Shelby Dr. E. Memphis, TN 38116

7166 Winchester Rd. Memphis, TN 38125

Name of Bank U.S. Bank
Form of VerificationChexSystems
Special Notes

It has been reported that if your report is 21/2 yrs or older, they will not even see it. If this is your situation you can apply online, if not, you would need to visit an “in store” branch.

Most US banks “in store” branches are giving accounts to most people on ChexSystems. These are regular accounts, not 2nd chance checking...as long as you do NOT owe US Bank money and you are not reported on your ChexSystems report for any kind of "fraudulent activity".

There are some branches that are still not using this policy so it might be a good idea to call a branch local to you and ask about their policy first before going in.

Some “in store” branches have signs that actually says “ChexSystems? no problem!”… yet others will not open accounts at all. People are approved everyday.

Some branches do offer 2nd chance checking and some have been able to open business accounts when all debt to reporting bank(s) are paid and fraud is not indicated.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

See web site

Name of Bank Hope Community Credit Union
Form of VerificationChexSystems
Special Notes

They do use ChexSystems but you can still get an account once you become a member. They do offer an account called Easy Checking for those reported to ChexSystems and those with a credit score of less than 600.

$9.95 a month if the balance of 200.00 is not maintained. FREE if balance of 200.00 is maintained.

Membership Information

See web site for membership information.

Types of Accounts OfferedSecond chance checking (paperless checking)
Locations

113 Executive Drive Jackson, TN 38305

3048 Harvester Lane Memphis, TN 38127

1451 Madison Avenue Memphis, TN 38102

2923 Ridgeway Road Memphis, TN 38115

Name of Bank Citizens County of Blount County
Form of VerificationDeluxe Detect and a credit report
Special Notes

They do not use ChexSystems.

Email from Bank

Our policy is to pull Deluxe Detect (which is Early Warning) and a credit report (Equifax, Experian, or TransUnion but normally Equifax).

Types of Accounts OfferedPersonal checking, savings and business checking
Locations

330 E. Broadway Maryville, TN 37804

4000 Chapman Highway Knoxville, TN 37920

1819 E. Broadway Maryville, TN 37804

205 Foothills Mall Maryville, TN 37801

Calderwood at Joule

Alcoa, TN 37701

2307 Marketplace Drive Maryville, TN 37801

125 South Peters Road Knoxville, TN 37922

2041Topside Road Louisville, TN 37777

7729 E. Lamar Alexander Parkway Townsend, TN 37882

2041 Highway 411 Vonore, TN 37885

Alcoa Wal-Mart Super Center Alcoa, TN 37701

2614 E. Lamar Alexander Parkway Maryville, TN 37804

Name of Bank TVA Credit Union
Form of VerificationCredit report
Special Notes

Any eligible member can open a savings no ChexSystems). For a checking, they do use ChexSystems.

Membership Information

Anyone who lives, works, worships or attends school in the following counties is eligible for membership and all the benefits membership offers: Blount, Jefferson, Loudon, Sevier, Hamblen, Knox, Roane and Sullivan as well as Johnson City.

Email from Bank

Yes, we would use a credit report for opening a new savings account and ChexSystems for opening a new checking account.

Types of Accounts OfferedSavings
Locations

See web site

Name of Bank GreenBank
Form of VerificationChexSystems
Email from Bank

We do offer a Second Chance Checking account. It takes a minimum $25 to open. You get an ATM card, free internet, and phone banking. There is a $5.95 monthly fee if you have direct deposit, and a $8.95 fee if you do not.

Types of Accounts OfferedSecond chance checking
Name of Bank FirstBank
Form of VerificationSee email below
Email from Bank

We use TeleCheck and SafeScan.

Types of Accounts OfferedPersonal checking, savings and business checking
Locations
  • Bruceton/Hollow Rock
  • Lexington
  • Camden
  • Linden
  • Chattanooga
  • Memphis
  • Clarksburg
  • Mt. Juliet
  • Cleveland
  • Murfreesboro
  • Crossville
  • Nashville
  • Dayton
  • Paris
  • Dickson
  • Parsons
  • Fairview
  • Scotts Hill
  • Fayetteville
  • Shelbyville
  • Franklin
  • Smithville
  • Goodlettsville
  • Smyrna
  • Huntingdon
  • Waverly
  • Jackson
  • Wildersville/ParkersCrossroads
  • Knoxville
  • Woodbury
Name of Bank United Southeast Federal Credit Union
Form of VerificationTeleCheck
Membership Information

Live, work, worship, or attend school in Russell County, VA

Email from Bank

We use TeleCheck.

Types of Accounts OfferedPersonal checking and savings

    More Non-ChexSystems Banks in the U.S.

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