Non ChexSystems Banks & Credit Unions in Utah

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

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 Utah 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 Utah Central Credit Union
Form of VerificationCredit report
Membership Information

To become a member of Utah Central Credit Union, you must: Be a resident of either Salt Lake or Carbon counties.

Email from Bank

We do pull your credit as a part of opening a new account. We do not have a black or white cut off score, but look at any open collections and judgments that you have.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Salt Lake City, Sandy, Herriman, Murray, West Valley, West Jordan, Price

Name of Bank Grantsville Federal Credit Union
Form of VerificationExperian credit report
Membership Information

All residents, those that worship, and work in the county of Tooele (not the city).

Types of Accounts OfferedPersonal checking and savings
Locations

Grantsville Federal CU
(435) 884-3804
50 Commercial Ave
Grantsville, UT 84029

Name of Bank Pacific Rails Credit Union
Form of VerificationCredit report
Special Notes

I asked………….

is there a certain score requirement?

Not necessarily. It more about the content of the report. Such as judgments, collections, etc.

Membership Information

Residents of Salt Lake County, Utah.

Email from Bank

We pull credit reports when opening new checking accounts.

Types of Accounts OfferedPersonal checking and savings
Locations

Residents of Salt Lake County, Utah.

Name of Bank Zions Bank
Form of VerificationChexSystems
Email from Bank

Thank you for contacting Zions Bank. We offer what we call a Fresh Start Checking account. This account is for individuals whose accounts have been closed and charged off by Zions Bank or another financial institution. This account is not available if the closure was due to fraud (such as check kiting) or Check Card abuse.

If you have one report on file, the new account will need to be approved by the branch manager. If there are two or more the approval would then come through one of our regional managers. The request for the approval will need to be accompanied by a& letter from the reporting institution stating that all debts have been paid. Once we get that approval we would then open up a fresh start checking account which is analyzed for the first year and comes with a $7/month fee to do that analysis. After the year is up, if everything is in order, then we can change the account to the basic checking account for you to use as normal. We also offer a secured Visa Card if you are looking to build up your credit.

Online Banking is available for the account as well as an ATM card. A Visa Check Card is not available with this account.

Types of Accounts OfferedSecond chance checking
Name of Bank USU Charter Credit Union
Form of VerificationChexSystems
Special Notes

Report must not indicate fraud.

Membership Information

Any person who lives, works (or regularly conducts business in), worships, attends school, or volunteers in the designated area in Cache County.

Email from Bank

If the debt was paid within the past two years you can open a savings account. If the debt was paid over two years ago you can open a checking account.

Types of Accounts OfferedSavings account only
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 1st Bank
Form of VerificationChexSystems
Email from Bank

As long as it is paid in full, you are fine. Most of the time if the account was charged off at a different bank we don't turn you down. If you have bad standing with 1st Bank, I will have to talk to an officer here at the bank, just to approve it.

The USA PATRIOT ACT requires identity verification for all new accounts. 1st Bank uses ChexSystems. We hardly ever turn down anyone, so if you would like to stop in and have us see if you are eligible for a new account, feel free to do so.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Morgan

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 American United Family of Credit Unions
Form of VerificationChexSystems
Membership Information

Anyone living, working, worshiping, volunteering or attending school in Salt Lake County.

Email from Bank

We do use it to open new savings and checking accounts. However, we do not use to solely to make a determination as to whether we will open the account. If there is a problem that shows up through those systems, we usually take time to speak with the individual and get their explanation.

At that point, we'll either move forward opening the services, possibly limit the services for a period of time (i.e. check cashing) or only open a savings for a period of time and gradually add other services. I tell people to just be open with the new accounts person and what your needs are.

Types of Accounts OfferedPersonal savings and checking
Name of Bank Jordan Credit Union
Form of VerificationChexSystems
Special Notes

For best results debt should be paid and fraud should not be indicated on the report.

Membership Information

Anyone who lives, works, worships or volunteers in Salt Lake County.

Email from Bank

If there is just one item reported to ChexSystems and it is paid, we can open the account. If there are two, we can open the account with some restrictions. If there are three reporting incidents we will not be able to open the account for you.

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

We can qualify residents of Salt Lake, Davis, Utah or Weber counties.

Email from Bank

There are a few other membership qualifying factors, the ChexSystems alone would not disqualify you for membership and opening an account.

Types of Accounts OfferedSavings, possibly checking
Name of Bank Box Elder County Credit Union
Form of VerificationCredit report
Membership Information

If you live, work, worship, attend school or regularly conduct business in Box Elder County, Utah, you are automatically eligible for membership.

Email from Bank

We pull credit when opening a new account.

A savings account can be opened regardless of the credit score, but you must have a score of 620 or higher to open a checking account.

Types of Accounts OfferedPersonal checking, savings and business checking accounts
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 1st Bank
Form of VerificationChexSystems
Email from Bank

As long as it is paid in full, you are fine. Most of the time if the account was charged off at a different bank we don't turn you down. If you have bad standing with 1st Bank, I will have to talk to an officer here at the bank, just to approve it.

The USA PATRIOT ACT requires identity verification for all new accounts. 1st Bank uses ChexSystems. We hardly ever turn down anyone, so if you would like to stop in and have us see if you are eligible for a new account, feel free to do so.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Morgan

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 American United Family of Credit Unions
Form of VerificationChexSystems
Membership Information

Anyone living, working, worshiping, volunteering or attending school in Salt Lake County.

Email from Bank

We do use it to open new savings and checking accounts. However, we do not use to solely to make a determination as to whether we will open the account. If there is a problem that shows up through those systems, we usually take time to speak with the individual and get their explanation.

At that point, we'll either move forward opening the services, possibly limit the services for a period of time (i.e. check cashing) or only open a savings for a period of time and gradually add other services. I tell people to just be open with the new accounts person and what your needs are.

Types of Accounts OfferedPersonal savings and checking
Name of Bank Jordan Credit Union
Form of VerificationChexSystems
Special Notes

For best results debt should be paid and fraud should not be indicated on the report.

Membership Information

Anyone who lives, works, worships or volunteers in Salt Lake County.

Email from Bank

If there is just one item reported to ChexSystems and it is paid, we can open the account. If there are two, we can open the account with some restrictions. If there are three reporting incidents we will not be able to open the account for you.

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

We can qualify residents of Salt Lake, Davis, Utah or Weber counties.

Email from Bank

There are a few other membership qualifying factors, the ChexSystems alone would not disqualify you for membership and opening an account.

Types of Accounts OfferedSavings possibly checking
Name of Bank Box Elder County Credit Union
Form of VerificationCredit report
Membership Information

If you live, work, worship, attend school or regularly conduct business in Box Elder County, Utah, you are automatically eligible for membership.

Email from Bank

We pull credit when opening a new account.

A savings account can be opened regardless of the credit score, but you must have a score of 620 or higher to open a checking account.

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

Membership at Weber State Credit Union is available to everyone who lives, works, attends school, worships, or volunteers in Weber, Davis or Morgan county.

Email from Bank

We'd have to look at the report from ChexSystems, but we can usually open a savings for you even if you're on the ChexSystems.

Types of Accounts OfferedSavings, possibly checking
Name of Bank NEBO Credit Union
Form of VerificationChexSystems
Membership Information

A resident of Utah County.

Email from Bank

We do use ChexSystems when opening new accounts, and we also pull credit reports. Having a negative item in ChexSystems, or on a credit report does not preclude you from having an account; we may still be able to provide one, however, with some restrictions. We handle opening accounts on a case by case basis, so we may or may not be able to provide you with an account depending on your ChexSystems history, and credit history.

Types of Accounts OfferedPersonal checking and savings
Name of Bank Grand County Credit Union
Form of VerificationProper ID
Special Notes

I called and verified that they do not use ChexSystems or a credit report to open an account there.

Membership Information

Membership has expanded to include all residents of Grand and San Juan counties and their immediate family members.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

725 North Main
P.O. Box 1047
Moab, UT 84532

Name of Bank Grantsville Federal Credit Union
Form of VerificationCredit report
Special Notes

They do not use ChexSystems but they do run a credit report and they are looking at the overall credit not for a score.

Membership Information

All residents including those who reside in Tooele County.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

50 Commercial Ave
Grantsville, UT 84029

Name of Bank Mountain West Bank
Form of VerificationProper ID
Special Notes

YOU MUST apply in person. See email below from bank.

Email from Bank

Thank you for your message. If you come into a branch we do not run ChexSystems, however if you were to apply for a checking account through our website we do..

Types of Accounts OfferedPersonal checking, savings and business checking
Name of Bank Utah Community Credit Union
Form of VerificationChexSystems
Special Notes

Anyone can get a savings if they are eligible for membership but for a checking , they will run ChexSystems.

Membership Information

Lives, works, attends school and worships in Utah, Wasatch, Juab or Sanpete County, Utah.

Email from Bank

When opening a new savings account we will request a credit report for review before we will open the account. When opening a new checking account both a credit report as well as a ChexSystems report will be reviewed.

Types of Accounts OfferedSavings only, if reported to ChexSystems
Name of Bank America First Credit Union
Form of VerificationCredit report
Special Notes

I talked to a representative and they do run a credit report, not ChexSystems.

Membership Information

Live, work (or regularly conduct business in), worship, volunteer, or attend school in Salt Lake County, Utah; or within a 12-mile radius of the Mesquite, Nevada U.S. Post Office.

Live, work (or regularly conduct business in), worship, volunteer, or attend school in Utah County, or Juab County, Utah.

Live, work (or regularly conduct business in), worship, volunteer, or attend school in Clark County, Nevada.

Types of Accounts OfferedPersonal checking, savings and business checking accounts
Name of Bank Security Service Credit Union
Form of VerificationChexSystems
Special Notes

People have reported that they will still allow an account to be opened even when reported to ChexSystems.

Membership Information

See web site for membership information.

Email from Bank

Thank you for your e-mail and interest in SSFCU products. It is possible to be approved for a checking account with us even if another financial institution may have reported an incident to ChexSystems. To determine for certain if you qualify for one of our checking products, please feel free to apply for membership by visiting www.ssfcu.org, visiting your nearest branch, or by calling 866-210-6093.

Types of Accounts OfferedPersonal checking, savings and business accounts

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