Non ChexSystems Banks & Credit Unions in Virginia

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

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 Virginia 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 Bank With United
Special Notes

I have called many many locations in several different states and they are indicating to me that they do NOT use ChexSystems and they do not run a credit report at all. I was not buying it at first so I kept calling more and more locations and I finally talked to a manager that told me how they were using ChexSystems in the past but they no longer do. He said all you need is

  • 2 IDs
  • SS card
  • something that reflect a current address if ID is not correct
Membership Information

DO NOT order checks with Bank United. They utilize Deluxe for all of their materials basically.

Types of Accounts OfferedPersonal checking, savings and business checking accounts
Name of Bank Old Pointe National Bank
Form of VerificationTeleCheck
Email from Bank

We open new accounts we verify the information through TeleCheck.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Chesapeake, Fort Monroe, Hampton, Carrollton Isle of Wight County, Newport News, Norfolk, Virginia Beach, Williamsburg, Yorktown

Name of Bank Call Federal Credit Union
Form of VerificationCredit report
Membership Information

Anyone who lives, works, worships, volunteers or attends school within the city of Richmond, VA or parts of Cabarrus and Rowan Counties, NC. Family members of anyone who lives, works, worships, volunteers or attends school within the city of Richmond, VA or parts of Cabarrus and Rowan Counties, NC.

  • Associations in Richmond
  • Brandermill Women's Club
  • Forestdale Civic Association
  • Highland Hills Corp. (Homeowners Association)
  • Manchester High School PTSA
  • Matoaca High School PTSA Salisbury Homeowners Association 
  • Summerford Homeowners Association
  • Woodlake Community Association  
Email from Bank

We do pull credit with Equifax and look at the overall credit and score.

Please wait for a site operator to respond.

You are now chatting with 'Nathan'

Nathan: Hello, how may I assist you?

PF: If I open a checking account.. do you run ChexSystems, TeleCheck or my credit report?

Nathan: We do pull credit when first opening an account

PF: is there a certain score required?

Nathan: Once pulled, it updates in our systems every 6 months, so it is not pulled again. There is no specific score required to open a savings, but a credit score is looked at when opening a checking.

Nathan: If you are unable to open a checking at first, once you open a savings, you can reapply for a checking in 6 months.

Nathan:Does that help?

PF: Okay, thanks.

Types of Accounts OfferedPersonal checking and savings
Locations

Richmond, Midlothian, Mechanicsville They also participate in shared branching.

Name of Bank Bank Of Floyd
Form of VerificationCredit report
Email from Bank

When we open an new checking or savings account, we pull a credit report. We are looking for a score of 590 and any type of judgements.

Locations

Floyd Office

101 Jacksonville Circle

Floyd, VA 24091

4094 Postal Drive

Roanoke, VA 24018

2145 Roanoke Street

Christiansburg, VA 24073

185 South Main Street

Hillsville, VA 24343

1634 West Main Street

Salem, VA 24153

4309 Starkey Road

Roanoke, VA 24018

Willis Village Mart

Willis, VA 24380

Name of Bank Lee Bank
Form of VerificationCredit report and ID
Special Notes

Could you please tell me how you verify new checking and savings accounts. Do you use ChexSystems, TeleCheck, or a credit report? (see email )

Email from Bank

We use valid picture ID's, Credit Reports, OFAC Check and we must be looking you in the eye.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Main Office

600 West Morgan Avenue, Pennington Gap, VA 24277

Dryden Office

Alternate Route 58, Dryden, VA 24243

Jonesville Office

Church Street, Jonesville, VA 24263

Bristol Office

707 Gate City Highway, Bristol, VA

Abingdon

17510 Lee Highway, Abingdon Va. 24212-0249

Name of Bank The Blue Grass Valley Bank
Form of VerificationID
Types of Accounts OfferedPersonal checking and savings
Locations

Blue Grass Office: Tel (540) 474-2430 • Fax (540) 474-5513

P. O. Box 6 (2583 Blue Grass Valley Road) • Blue Grass VA 24413

Monterey Office: Tel (540) 468-1915 • Fax (540) 468-1919

P. O. Box 516 (132 East Main Street) • Monterey VA 24465

Name of Bank Peoples Advantage Credit Union
Form of VerificationTeleCheck and a credit report
Membership Information

PAFCU has extended membership to select neighborhoods in Chester, Colonial Heights, Dinwiddie, Hopewell and Petersburg Virginia.

Serving these additional areas will make credit union membership and services available to more people and will allow Peoples Advantage Federal Credit Union to continue to be one of the strongest credit unions in the area.

If you live, work, worship, or attend school in any of our expanded areas and are interested in credit union membership, please contact our member services department for more information. If you are not sure if your area is included, contact us and we will let you know.

Email from Bank

Yes we do use Equifax TeleCheck when opening a new checking account-credit report is pulled when applying for credit.

Types of Accounts OfferedPersonal checking and savings
Locations

Chester Office*** ***Hopewell Office*** ***Colonial Heights Office*** 12902 Old Stage Rd. 105 N. Main Street 2801 Conduit Road Chester, Va. 23836 Hopewell, Va. 23860 Colonial Heights, Va. 23834 (804)748-3081 Ext.110 (804)748-3081 Ext. 210 (804)748-3081 Ext. 150.

Name of Bank Bank of Botetourt
Form of VerificationEquifax Credit report
Membership Information

For residents in and around Botetourt County, Virginia, including Rockbridge and Roanoke Counties only. If you live in Virginia, but outside of those areas, you WILL be denied. Your mailing address must be in their service area to qualify.

Email from Bank

Thank you for your interest in Bank of Botetourt products and services. If you are not currently a bank customer, we pull a credit report. Decisions are based on your overall credit, not a particular score.

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

Headquartered in Buchanan, Bank of Botetourt has eight retail offices in Buchanan, Daleville, Eagle Rock, Troutville, Bonsack, Lexington, Peters Creek, and Fairfield.

Name of Bank United Southeast Federal Credit Union
Form of VerificationTeleCheck
Membership Information

Live, work, worship, or attend school in Russell County, VA YOU MAY JOIN.

Email from Bank

United Southeast Federal Credit Union uses the TeleCheck System when a member comes into our office to establish a new account with US.

Types of Accounts OfferedPersonal checking and savings
Locations

2035 Lee Highway
Bristol, VA 24203
Phone: (276) 466-1222

1060 West Main St., Suite #1
Abingdon, VA 24210

Name of Bank University of Virginia Credit Union
Form of VerificationEquifax
Membership Information

UVA Community Credit Union membership is open to anyone who lives, works or attends school in the City of Charlottesville or the Counties of Albemarle, Fluvanna, Greene, Louisa, Madison, Nelson, or Orange.

Email from Bank

We use an Equifax credit report

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Arlington Boulevard Branch 1936 Arlington Boulevard Charlottesville VA

Berkmar Drive Branch 3300 Berkmar Drive Charlottesville VA

Citizens Commonwealth Branch 300 Preston Avenue Charlottesville VA

Crozet Branch 5820 Railroad Avenue Crozet, VA

Fluvanna Branch 5766 Thomas Jefferson Parkway Palmyra, VA

Pantops Branch (Route 250 & State Farm Blvd.) 220 Wayles Lane Charlottesville VA

UVA Hospital Branch (UVA Hospital Parking Garage)

222 Lee Street Charlottesville VA

Name of Bank Chesapeake Bank
Form of VerificationTeleCheck
Email from Bank

We use TeleCheck

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Northern Neck

97 North Main St.

Kilmarnock, VA 22482

98 King Carter Drive

Irvington, VA 22480

2824 White Chapel Road

Lively, VA 22507

10 Lancaster Drive

Rappahannock Westminster-Canterbury

Irvington, VA 22480

Middle Peninsula

10839 Buckley Hall Road

Mathews, VA 23109

3029 George Washington Memorial Highway

Hayes, VA 23072

6793 George Washington Memorial Highway

Gloucester, VA 23061

Williamsburg

4492 John Tyler Highway

Williamsburg, VA 23185

1229 Lafayette Street

Williamsburg, VA 23185

6619 Richmond Road

Williamsburg, VA 23188

5700 Williamsburg Landing Drive

Williamsburg Landing Williamsburg, VA 23185

Name of Bank C&F Bank
Form of VerificationTeleCheck
Email from Bank

Thank you for contacting us at C&F Bank. We do use TeleCheck and others before opening a new account. Thank You.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Main Office

802 Main Street

P.O. Box 391

West Point, VA 23181

Fourteenth Street

415 Fourteenth Street

P.O. Box 391

West Point, VA 23181

Providence Forge Office

3501 N. Courthouse Drive

P.O. Box 397

Providence Forge, VA 23140

Quinton Office

2580 New Kent Highway

P.O. Box 132

Quinton, VA 23141

Jamestown Road Office

1167 Jamestown Road

Williamsburg, VA 23185

Longhill Road Office

4780 Longhill Road

Williamsburg, VA 23188

Norge Office

7534 Richmond Road

Norge, VA 23127

Alverser Office

1400 Alverser Drive

C&F Center

Midlothian, VA 23113

Mechanicsville Office

7021 Mechanicsville Tnpk.

Mechanicsville, VA 23111

Sandston Office

100 E. Williamsburg Road

Sandston, VA 23150

Varina Office

2651 New Market Road

Richmond, VA 23231

West Broad Street

8001 W. Broad St.

Richmond, VA 23294

Patterson (Opening Soon)

12308 Patterson Avenue

Richmond, VA 23238

PH: 804-672-4077

Chester (Opening Soon)

4828 W. Hundred Road

Chester, VA 23831

PH: 804-414-1660

Middlesex Office

Rts. 33 & 641

P.O. Box 464

Saluda, VA 23149

Newport News

City Center Office

698 Town Center Dr

Newport News, VA 23606

Kiln Creek

2800 G.Washington Mem. Hwy.

Yorktown, VA 23693

Hampton

1927 C&F Drive Hampton VA 23666

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

Details on account:

  • Full service personal checking
  • $500 minimum deposit to open
  • Unlimited check writing privileges

Monthly statements include check images (front and back) No monthly maintenance fee if $1,500 daily balance is maintained in the account. If the balance falls below $1,500, a $12.00 monthly maintenance fee will be charged.

Email from Bank

Access National Bank does not use ChexSystems or other check reporting firms, but we do pull credit on all account owners / signatories. Access National Bank only services accounts for individuals / businesses residing in the DC Metro Area which consists of Virginia, Maryland, and Washington DC. A score of 680 or higher is preferred.

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

Reston Banking Center

1800 Robert Fulton Drive Suite 105

Reston, VA 20191

Tysons Banking Center

8233 Old Courthouse Road

Suite 120

Vienna, VA 22182

Chantilly Banking Center

14006 Lee Jackson Memorial Hwy

Chantilly, VA 20151

Leesburg Banking Center

300 Fort Evans Rd NE

Suite 103

Leesburg, VA 20176

Manassas Banking Center

8525 Rolling Road

Suite 100

Manassas, VA 20110

Name of Bank Beacon Credit Union
Form of VerificationCredit report
Membership Information

Anyone who lives, works, worships or goes to school in the cities of Lynchburg or Bedford, or the counties of Bedford, Campbell, Amherst and Appomattox can join.

Email from Bank

When some one applies for a new checking account we do a credit report through Equifax. Normally we are looking for a score 600 for checking and 625 for the debit card on the account but can sometimes be approved even if it is lower.

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

6320 Logans Lane
l Lynchburg, VA

19029 Forest Rd, Forest, VA 24551

Name of Bank Freedom First Credit Union
Form of VerificationCredit report and TeleCheck
Membership Information

Credit Union membership is open to anyone living, working, worshipping, or going to school in Roanoke, Botetourt, and Montgomery counties as well as the cities of Roanoke, Radford, Salem, and the town of Vinton.

Email from Bank

Thank you for your inquiry. Yes, we do pull credit and we use a verification source to determine eligibility for a checking account.

Types of Accounts OfferedPersonal checking and savings
Locations

Blacksburg, Christiansburg, Roanoke, Salem and Vinton

Name of Bank Member One Federal Credit Union
Form of VerificationCredit report
Membership Information

If you live, work, worship or attend school in the state of Virginia in the following areas, you are eligible for membership:

  • Altavista
  • Franklin County
  • Montgomery County
  • Radford
  • Vinton

If you live, work, worship or attend school in the state of Virginia in the following areas, you may be eligible for membership:

  • Amherst
  • Botetourt
  • Campbell
  • Chesapeake
  • Lynchburg
  • Norfolk
  • Roanoke
  • Salem Virginia Beach
Email from Bank

We verify new accounts using a credit report from Equifax.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Main Office - Downtown

202 Fourth Street, NE

Roanoke, VA 24016

Brookside Branch

Brookside Plaza

6435 Williamson Road

Roanoke, VA 24019

Christiansburg Branch

Adjacent to the Christiansburg Rec Center

105 Oak Tree Boulevard

Christiansburg, VA 24073

Lynchburg Branch

7114 Timberlake Road

Lynchburg, VA 24502

Norfolk Branch**

500 East Main Street

Suite 1105

Norfolk, VA 23510

Rocky Mount Branch

40 Member One Way

Rocky Mount, VA 24151

Rt. 460 Express Branch*

1445 Mexico Way

Roanoke, VA 24012

Salem Branch

West Salem Plaza

852 West Main Street

Salem, VA 24153

Southwest Branch

Southwest Plaza

2310 Electric Road

Roanoke, VA 24018

Vinton Branch

River Park Shopping Center

1056 Bypass Road

Vinton, VA 24179

Virginia Beach Branch

University Shoppes

5660 Indian River Road

Virginia Beach, VA 23464

Westlake Branch

12975 Booker T. Washington

Hardy, VA 24101

Name of Bank Main Street Bank
Form of VerificationTeleCheck
Email from Bank

We use the TeleCheck system and a credit report to verify qualifications for holding an account with our institution.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

MainStreet Bank
727 Elden Street
Herndon, Virginia 20170

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 Virginia Universtity Credit Union
Form of VerificationCredit report
Membership Information

Membership is open to any person who lives, works, or attends school in the City of Charlottesville or the counties of Albemarle, Fluvanna, Greene, Louisa, Madison, Nelson, or Orange. Anyone related to a current member by blood, marriage, or adoption is also eligible to join.

Business Eligibility

Membership is open to any business located in our field of membership: the City of Charlottesville or the counties of Albemarle, Fluvanna, Greene, Louisa, Madison, Nelson, or Orange.

Email from Bank

Justlan: Hello, how can I help you?

PF: Hi, I am wondering if I open a checking account there, do you use ChexSystems or a credit report?

Justlan: Yes, your information is ran through the equifax system to check for outstanding debts you may have with other institutions.

PF: ok, but you do not use ChexSystems, only Equifax?

Justlan: We use only Equifax, in the past we used TeleCheck. Mary: okay thanks for your help.

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

3300 Berkmar Drive Charlottesville, VA 22901

Name of Bank Pioneer Bank
Form of VerificationTeleCheck
Special Notes

They do not run any credit report at all other than TeleCheck.

Email from Bank

We use TeleCheck

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

Stanley Office

252 East Main Street

Stanley, VA 22851

Shenandoah Office

511 South Third Street

Shenandoah, VA 22849

Luray Office

800 East Main Street

Luray, VA 22835

Harrisonburg Office

890 West Market Street

Harrisonburg, VA 22801

Stanardsville Office

8315 Spotswood Trail

Stanardsville, VA 22973

Charlottesville Office

257 Ridge McIntire Road

Charlottesville, VA 22903

Pioneer Financial Services

890 West Market Street Harrisonburg, VA 22801

Name of Bank Benchmark Community Bank
Form of VerificationID
Email from Bank

We currently do not use any of the systems that you asked about but we do require that accounts must maintain positive balances or they will be charged off.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations
  • Kenbridge
  • Victoria
  • Farmville
  • Crewe
  • Blackstone
  • Lawrenceville
  • South Hill
  • Clarksville
  • Chase City
  • South Boston
  • Halifax
Name of Bank Pentagon Federal Credit Union
Form of VerificationCredit report
Special Notes

Anyone can open a savings account once they become a member but checking accounts are based on your credit report. They are known to be very picky about credit. Most are denied the checking account at this credit union and are only approved for the savings.

Membership Information

ANYONE can join this credit union, please see web site for eligibility.

Email from Bank

We will pull a copy of your credit report when you apply to open an account.

Types of Accounts OfferedPersonal checking and savings
Name of Bank New Generations Federal Credit Union
Form of VerificationChexSystems
Special Notes

Our new electric check account allows members to enjoy the luxury and convenience of having a checking account with a debit card.

Our Electric Check account features:

  • FREE debit card(s)
  • FREE direct deposit
  • FREE eStatements
  • FREE Home Banking
  • and FREE Audio Response

Members will not receive personal checks with this account. So, there's no check writing, only debit-card swiping. Your debit card comes with a VISA logo and may be used anywhere VISA is accepted. All charges are drawn on the available balance in your checking account.

Your card may also be used as an ATM card to get cash back at participating network ATMs for FREE, and at non-participating ATMs for a small fee, plus the fee that the foreign institution charges for the withdrawal. Cash may be drawn unlimited times FREE when cash back is requested with a merchant.

Membership Information

All individuals who live, work, worship, volunteer or go to school in the City of Richmond are eligible to join.

Types of Accounts OfferedSecond chance checking “Our debit cards are now more accessible to members with our new checking account, Electric Check. This account allows the majority of our members to receive a VISA Debit Card with a checking account even if they've had problems in the past managing a checking account. This account features a debit card, direct deposit, eStatements, Home Banking and Audio Response.”
Name of Bank Carter Bank and Trust
Form of VerificationCredit report
Special Notes

I also called several locations and they told me that they do not use ChexSystems.

Membership Information

Carter Bank is a small bank system in North Carolina and Virginia. They do not have ATM or Debit cards, nor do they have online access to accounts. Just checking accounts with paper checks. They do not have minimum balance requirements. I have had several accounts with them for over 5 years. Great little bank, just about 20 years behind!

Email from Bank

Under Federal Regulation known as the "FACT ACT" we are required to obtain a credit report prior to the opening of any account. Thanks for your interest in Carter Bank & Trust.

Types of Accounts OfferedPersonal checking and savings accounts

    More Non-ChexSystems Banks in the U.S.

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