Non ChexSystems Banks & Credit Unions in Vermont

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

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 Vermont 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 Opportunities Credit Union
Form of VerificationChexSystems
Membership Information

Residents and business owners in the old North end Burlington City Plan and Winooski.

Email from Bank

We have limited transaction accounts for folks in your situation. We can get you back on track and then with some time and new history, fully operational at some point.

Types of Accounts OfferedSecond chance accounts


Name of Bank White River Credit Union
Form of VerificationID
Special Notes

I asked:

Can you please tell me what you use to verify new checking and savings accounts? Do you use ChexSystems, TeleCheck, EWS or a credit report?

They responded: We don’t use any of these systems.

Membership Information

The field of membership for the WRCU is defined as “All persons who reside or are employed in Rochester, Vermont or Bethel, Vermont or in the town’s respective trading areas; and residents of the watershed of the Middle Branch of the White River, being the area within a radius of (twenty) 20 miles of East Randolph Village.

Email from Bank

We do not use these systems but we do reserve the right to run a credit report on you.

Types of Accounts OfferedPersonal checking and savings

Rochester and Bethel

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

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    Look no further! Free checking account at BBVA Compass is available in Vermont. Guaranteed approval even if you're on ChexSystems! Learn More & Apply Online