Non ChexSystems Banks & Credit Unions in Texas

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

Listed in ChexSystems or have bad credit? BBVA Compass approves customers in ChexSystems for their ClearChoice 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 Texas 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 1st Convenience Bank
Special Notes

THEY DO NOT USE CHEXSYSTEMS OR TELECHECK.

-a division of First National Bank Of Texas

Membership Information

I was able to benefit greatly from your list. I was able to get an account from First Convenience bank. They did not do a check what so ever. Thanks again for your help. It is greatly appreciated.

Email from Bank

We do not use ChexSystems, TeleCheck, or the like to determine the approval or decline of new accounts. The approval or decline of a new account is based on the customer’s history with our banking institution and is at the discretion of the banking branch location where you choose to bank.

Types of Accounts OfferedPersonal checking, savings and business accounts
Name of Bank Fort Hood National Bank
Special Notes

ANYONE CAN GET AN ACCOUNT BUT MUST VISIT LOCATION. DOES NOT USE CHEXSYSTEMS, TELECHECK OR A CREDIT REPORT.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

All locations are in Fort Hood.

Name of Bank USAA
Form of VerificationTeleCheck and EWS
Special Notes

IMPORTANT: YOU MUST CALL AND GET A MEMBERSHIP NUMBER BEFORE YOU CAN APPLY FOR AN ACCOUNT. JUST TELL THEM YOU ARE APPLYING FOR A CHECKING ONLY.

They are very nice and have the best customer service. Just call and explain that you need a membership number to open a checking account and it is as simple as that. If you have the 50.00 deposit you can give it to them with a credit card right over the phone, they will set you up at that same moment. The account shows up online in just 2 days. You will get your cards and checks in about a week.

Please note: USAA does use EWS. I have been told by CS that they do not use ChexSystems or TeleCheck and only now use EWS. I am not sure if this is 100% correct but they have never used ChexSystems at all and have only used TeleCheck in the past.

Features of USAA

  • Bank from anywhere
  • Every ATM nationwide is your ATM — if another bank charges you, we refund the fees.
  • Qualifying members can deposit checks with a computer and scanner with USAA Deposit Home or with their iPhone with Deposit Mobile.
  • Pay, manage and view all your bills in one place with USAA Web BillPay.
  • Get free unlimited checking funds transfers to any U.S. bank.
  • Access your account from your mobile device with our free iPhoneTM app or mobile banking applications.
  • Check your account balance, transfer funds and more at usaa.com and mobile.usaa.com.
Types of Accounts OfferedPersonal checking and savings
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

Sheppard Bank
Bldg 200, 2nd & E Ave
SAFB, TX 76311

Name of Bank West Coast Bank
Form of VerificationChexSystems
Email from Bank

We do offer second chance checking . You will need to go into branch to see if you can open an account.

Types of Accounts OfferedSecond chance checking
Name of Bank Pantex Federal Credit Union
Form of VerificationCredit report
Special Notes

They never responded to my emails today so I went ahead and called 2 of the locations and they both said NO, they do not use ChexSystems. I asked the 2nd one I called if they use a credit report and she said no they do not unless you are applying for a loan. So apparently if you are eligible for membership, they do not pull anything at all.

Membership Information

Persons who live, work, worship, volunteer, or attend school in and businesses and other legal entities within Hutchinson County.

Persons who live, work, workship, volunteer or attend school in and businesses and other legal entities in the area within the city limits of Amarillo inside of Potter County. (detailed description of boundaries available upon request).

Persons who live, work, worship, volunteer, or attend school in and businesses and other legal entities within the southern city limits of Pampa, TX in Gray County. (detailed description of boundaries available upon request).

Types of Accounts OfferedPersonal checking and savings
Locations

Borger and Pampa

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

People who live, work, worship or attend school in and businesses and other groups in Kleberg County and Nueces County.

Email from Bank

We use TeleCheck

Types of Accounts OfferedPersonal checking and savings
Locations

Bishop, Kingsville, Houston, Dallas, Bay City, Corpus Christi

Name of Bank Texas Bay Area Credit Union
Form of VerificationTeleCheck
Membership Information

Membership is available to all persons living, working, worshiping or attend school in the cities of:

  • Deer Park
  • La Porte
  • Pasadena
  • North Channel Area
  • Channelview
  • Galena Park
  • Jacinto City
  • North Shore
  • Sheldon

Anyone that lives, works, attend school, or worships within a ten mile radius of any office.

Email from Bank

We use TeleCheck & the credit report when opening a checking account.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

12611 Fuqua Street Houston, TX 77034

1301 Highway 225 Pasadena, TX 77506

15245 Wallisville Road Houston, TX 77049

3409 Spencer Highway, Suite 100 Pasadena, TX 77504

Name of Bank United Community Bank
Form of VerificationTeleCheck
Special Notes

Email from person that got an account:

Actually, the list that you provided for me was very helpful! I have successfully opened a checking and savings account with United Community Bank in Coppel, TX. This bank is 5 miles from my residence. The staff was extremely helpful and friendly.

Email from Bank

We use TeleCheck.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Colleyville, Highland Village, Coppell

Name of Bank Texas Community Catholic Credit Union
Form of VerificationTeleCheck
Membership Information

TCC Credit Union provides financial services to the following:

  • Any person who lives or works in the 75238 postal zip code.
Email from Bank

We use TeleCheck

Types of Accounts OfferedPersonal checking and savings
Locations

10103 Shoreview in Dallas, Texas

Name of Bank Carmine State Bank
Form of VerificationDL
Membership Information

Our Trade Area serves the Financial Needs of Customers within Three Counties.

The trade area of Carmine State Banks consists of a 15 (Fifteen) mile.

radius of Carmine, Texas. The trade area includes Northeastern Fayette County, Southeastern Lee County, and Southwestern Washington County. Exceptions to qualifying for lending outside of the trade are consist of the following:

Having qualified previously as a resident within the trade area (Example: customers who have relocated due to employment)

Customers who grew up in the trade area, but have relocated (Example: children of customers within the trade area Customers having an established banking relationship, but residing outside the trade are. Loans that are cosigned or guaranteed by established customers residing within the trade area.

Assumptions of loans and discounts by qualified borrowers who assume loans from borrowers who originated the loans while within the trade area.

Email from Bank

When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We will ask to see your driver’s license or other identifying documents.

Types of Accounts OfferedPersonal checking and savings
Name of Bank Farmers State Bank
Form of VerificationProper ID
Email from Bank

We only need a proper ID

Types of Accounts OfferedPersonal checking, savings
Locations

P.O. Box 10
722 Broadway
Newcastle, TX 76372

Name of Bank Columbus State Bank
Form of VerificationTeleCheck
Email from Bank

We use TeleCheck to verify new accounts.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Columbus

Name of Bank Firstmark Credit Union
Form of VerificationTeleCheck and a credit report for identity only (soft pull)
Membership Information

Everyone who lives, works, or attends school in Bexar County, Texas MAY JOIN.

Email from Bank

Our system uses TeleCheck.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Phone Branch (210) 442-0100

10730 Gulfdale St. San Antonio, TX 78216 (210) 342-8484

7200 Culebra Rd. San Antonio, TX 78251 (210) 342-8484

8960 Huebner Rd. San Antonio, TX 78240 (210) 342-8484

2327 S.W. Military San Antonio, TX 78224 (210) 342-8484

1440 S.E. Military Dr. San Antonio, TX 78214 (210) 342-8484

122 Donaldson Ave. San Antonio, TX 78201 (210) 342-8484

11530 North IH 35 San Antonio, TX 78233 (210) 342-8484


2023 Gold Canyon Dr., San Antonio, TX 78232, (210) 342-8484

Name of Bank United Heritage
Form of VerificationTeleCheck and ID
Special Notes

I opened an account with United Heritage Credit Union. Thanks for the advice.

Membership Information

United Heritage wants you as a member! Qualifying is easy! If you live, work, or attend school in Travis, Williamson, Bastrop, Caldwell, Hays, Smith, or Wood counties...you qualify. If you are employed by a company in our field of membership, or you are a relative of a current member you may also qualify.

Email from Bank

United Heritage processes a TeleCheck verification for all new members.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Austin Airport Georgetown South Austin Cedar Park North Austin Southeast Austin Round Rock Tyler.

Name of Bank Austin Telco Credit Union
Form of VerificationChexSystems
Special Notes

Our requirements for opening a second chance checking account are as follows:

You must live, work, worship, or go to school in Austin or one of its 5 surrounding counties.

You must open a savings account with a $25.00 balance. The balance will need to be maintained, but you do get it back when the account is closed.

We will need to see a Texas ID or state drivers license.

Upon these actions being met a checking account can also be opened. We require an initial deposit of $25.00 into it, but it is alright if the balance is later taken down to zero.

As long as these requirements are met then you are eligible to open an account with Austin Telco FCU. We do not use ChexSystems when opening an account to determine if the account can be opened, so it is alright if it does not report as "paid" or if it indicates fraud. If you have any questions please feel free to contact me at (512) 302-5555 ext 7320.

Membership Information

Membership in Austin Telco F.C.U. is open to anyone who lives, works, worships or attends school in Austin's five county Metropolitan Area (Travis, Williamson, Hays, Bastrop and Caldwell Counties). For detailed information on how you can join, contact one of our Member Services Representatives at (512) 302-5555; ext. 7100 or (800) 252-1310.

Travis County: Austin, Bee Cave, Briarcliff, Creedmoor, Del Valle, Jonestown, Lago vista, Lakeway, Lake Travis, Manchaca, Manor, McNeil, Pflugerville, Spicewood, Sunset Valley, West Lake Hills.

Williamson County: Andice, Cedar Park, Coupland, Florence, Georgetown, Granger, Hutto, Jarrell, Leander, Liberty Hill, Round Rock, Schwertner, Taylor, Thrall, Walburg, Weir.

Hays County: Buda, Driftwood, Dripping Springs, Kyle, Mountain City, San Marcos, Uhland, Wimberley.

Bastrop County: Bastrop, Cedar Creek, Elgin, McDade, Paige, Red Rock, Rockne, Rosanky, Smithville Caldwell County: Dale, Fentress, Lockhart, Luling, Martindale, Maxwell, Prairie Lea, Uhland.

Types of Accounts OfferedSecond chance checking
Name of Bank Baycel Federal Credit Union
Form of VerificationTeleCheck and a credit report
Membership Information

Is open to those individuals who live, work, attend school or worship in Matagorda County.

Email from Bank

We pull the credit report on Equifax and we also call telecheck. Your score has to be 570 and above.

Types of Accounts OfferedPersonal checking and savings
Locations

Bay City, Palacios

Name of Bank First Abilene FCU
Form of VerificationTeleCheck and a credit report
Membership Information

Persons who live, work, worship, or attend school in and businesses and other legal entities located in Taylor, Jones, Callahan, Nolan, Runnels, and Eastland Counties, Texas.

Email from Bank

We use TeleCheck on all checking accounts and if you request a debit card, we run a credit report. At this time we not use any of those services for opening a savings account. Savings accounts are limited to three withdrawals per quarter and no cards are available.

Types of Accounts OfferedPersonal checking, savings
Locations

Abilene

Name of Bank Compass Bank
Form of VerificationTeleCheck, EWS, and a credit report
Special Notes

PLEASE NOTE THAT COMPASS BANK NOW USES EWS. PEOPLE HAVE BEEN TURNED DOWN DUE TO EWS, DO NOT APPLY FOR THIS ACCOUNT BEFORE SEEING IF YOU HAVE A REPORT ON EWS. Others have been approved and later closed.

If you have been reported to ChexSystems and TeleCheck, they do have a second chance account.

Trouble getting a checking account in the past? Get a second chance at BBVA Compass. They have options for everyone — even if you've been turned down for checking accounts due to credit problems or other reasons.

No, this isn't one of those accounts that require a big cash deposit or has outrageous monthly fees. With Basic Checking* you'll enjoy features like these:

  • No minimum balance required
  • Unlimited check writing
  • $7.95 monthly service charge
  • Free online banking
  • Free Visa® Check Card Open your account with as little as $25
Types of Accounts OfferedPersonal checking, savings, and business checking / second chance checking
Locations

Austin Dallas Fort Worth Houston San Antonio

Name of Bank Smart Financial Credit Union
Form of VerificationTeleCheck
Special Notes

People who live, work, or attend school in Fort Bend, Harris or Montgomery Counties, Texas.

Businesses located in Fort Bend, Harris or Montgomery Counties, Texas People who work in the Medical Industry in Brazoria, Galveston, Chambers, Jefferson and Orange Counties, Texas and Calcasieu and Rapides Parishes, Louisiana.

Email from Bank

We use TeleCheck as well as credit reporting when opening a new account. New account opening is not dependent upon your credit score.

They also offer second chance checking for those with only one report showing.

Types of Accounts OfferedPersonal checking, savings and business accounts
Name of Bank Bank of Texas
Form of VerificationChexSystems
Special Notes
  • HAS 2ND CHANCE CHECKING
  • CHEX MUST BE PAID
  • NOT SHOW FRAUD
  • $15.00 A MONTH CHARGE
  • ATM ONLY
  • NO DEBIT
  • $1.00 FOR CARD CAN HAVE CHECKS
  • NO OVERDRAFT AVAILABLE
  • $50.00 TO OPEN
  • NO MIN BALANCE REQUIRED
  • AFTER 1 YEAR CAN CONVERT TO REGULAR CHECKING
Email from Bank

They charge $8.95 (I think) for the first 5 months and if you have no issues then it becomes free. They were very nice to work with. I was able to set it up via phone and then we went to the location in Texas.

Types of Accounts OfferedSecond chance checking
Locations

CALL EXPRESS BANK OR APPLY IN PERSON

Dallas Area: (214) 987-8840

Tarrant County: (817) 399-8840

Houston Area: (713) 578-3500

Outside These Areas: (800) 346-5312

Name of Bank Bluebonnet Credit Union
Form of VerificationChexSystems and a Credit report
Membership Information

Membership is also available to everyone living, working, attending school, or worshiping in the following communities:

Zip codes 77007, 77008, 77009, and 77018

The Houston Enhanced Enterprise Community which includes all of the downtown Houston Business district A 10 mile radius around any Bluebonnet branch office.

Email from Bank

We do pull TransUnion to verify information when opening up a checking account. They also now use ChexSystems but they seem to be rather lenient and some are still approved depending on the severity of the report.

Types of Accounts OfferedPersonal checking and savings
Locations

Houston, Sugarland, Champions, Baytown, San Filipe

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

Alamo FCU has recently changed its charter to include all persons who live, work, worship, volunteer or attend school in, businesses and other legal entities located within area bounded by Loop 410 in San Antonio, Texas.

Email from Bank

We use TeleCheck

Types of Accounts OfferedPersonal checking and savings
Locations

San Antonio

Name of Bank Alliance Federal Credit Union
Form of VerificationCredit report, OFAC, Insta-Check
Membership Information

In order to be a member at Alliance Federal Credit Union you must live, work or worship in Lubbock or Hockley County.

Email from Bank

When a person wishes to open a new account, the first thing we do is verify their identity. Most commonly, the person presents an unexpired, government-issued, picture ID, such as their drivers license and their Social Security card. Also acceptable would be a passport or military ID.

After we have verified their identity, we also run a credit report from the Equifax credit bureau, and OFAC report, and a report from Insta-Check. We want to make sure that we have verified the identity of the person before they become a member of Alliance Federal Credit Union.

We like to see a minimum credit score of 500 for new accounts. The minimum score for loans varies, but we would want to see it quite a bit higher than 500 for loans.

Types of Accounts OfferedPersonal checking and savings
Locations

New accounts may be opened at any of our 5 branches in Lubbock.

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
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 and second chance business checking
Name of Bank Grand Bank of Texas
Form of VerificationTeleCheck
Email from Bank

An answer to your question on who we call for verification on new accounts, we do use TeleCheck and social search.

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

Serving customers in Grand Prairie and the Dallas / Fort Worth area since 1975.

Name of Bank River City Federal Credit Union
Form of VerificationTeleCheck
Membership Information

Persons who live, work, worship, or attend school in, and businesses and other legal entities in Bexar County.

Email from Bank

We use TeleCheck

Types of Accounts OfferedPersonal checking and savings
Locations

San Antonio

Name of Bank Southside Credit Union
Form of VerificationTeleCheck
Membership Information

Membership into the Southside Credit Union is geared towards the community. All who live or work on the south side of San Antonio are eligible for membership.

Email from Bank

We use TeleCheck and we make copies of your valid identification and social security card.

Types of Accounts OfferedPersonal checking and savings
Locations

San Antonio


  • Garza

    I have been trying to dispute some things with them for a while and it’s like pulling teeth. I need to get a bank account to pay bills.

  • Justin Gross

    I’ve just been researching this whole ChexSystem thing and I was spazzing out that it would take 5 years to fall off. What a nightmare. Glad I found this site, I’ll be making some calls tomorrow.

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 Texas. Guaranteed approval even if you're on ChexSystems! Learn More & Apply Online