Non ChexSystems Banks & Credit Unions in Washington

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

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 Washington 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 Horizon Credit Union
Form of VerificationCredit Report
Membership Information

Persons who reside, work, or worship within the school districts of the State of Washington Persons who reside, work, or worship within Boundary, Bonner, Kootenai, Benewah, Shoshone, Latah, Nez Perce, and Lewis Counties of Idaho.

Email from Bank

The credit union presently uses information obtained from a credit reporting agency.

Types of Accounts OfferedPersonal Checking and Savings
Name of Bank Cheney Federal Credit Union
Form of VerificationID and a Credit Report
Membership Information

Cheney Federal Credit Union has a "community based" field of membership. This means that everyone who lives, works, worships or attends school in the city of Cheney, and their immediate family members can join.

Email from Bank

Yes, we pull a credit report for all new members. Usually requires a beacon score of 600 + is required.

Types of Accounts OfferedPersonal Checking, Savings, and Business Checking
Locations

Cheney Federal Credit Union is located in the heart of downtown Cheney, Washington, at 520 First Street.

Name of Bank Great Northwest Federal Credit Union
Form of VerificationTeleCheck
Membership Information

Anyone living or working in Grays Harbor or Pacific County.

Email from Bank

We use TeleCheck to verify when opening checking accounts.

Types of Accounts OfferedPersonal Checking and Savings accounts
Locations

Aberdeen, Raymond, Long Beach, Ocean park They also participate in shared branching.

Name of Bank Peninsula Federal Credit Union
Form of VerificationCredit Report
Membership Information

Since 1935 Peninsula Credit Union has been helping members enjoy personal financial success. We're pleased to be able to serve communities throughout the Olympic Peninsula.

Included in that group is:

  • Everyone who lives, works, worships, goes to school in Kitsap, Mason, Jefferson, Clallam or Grays Harbor County.
Email from Bank

To open a savings account you will just need to qualify for membership. As long as you live, work or worship within the boundaries of the five counties that we service, which are Mason, Jefferson, Grays Harbor, Clallam and Kitsap, you will qualify for a savings account. Additional services such as checking accounts, lines of credit, auto and or home loans are also available to our membership and qualification for these will depend upon the overall picture of your credit history and your combined Beacon and BNI scores.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Shelton, Port Orchard, Belfair, Poulsbo, Port Townsend

Name of Bank Whatcom Educational Credit Union
Form of VerificationTeleCheck and a credit report
Membership Information

Originally chartered in 1936 to serve educational and medical employees. WECU membership is now open to anyone who lives, works, worships or attends school in Whatcom County, and relatives of all members.

Email from Bank

If TeleCheck comes back good we will open the account but we do run a credit report with Equifax to look at the credit history.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Bellingham, Everson, Ferndale, Lynden, Blaine

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 America’s Credit Union
Form of VerificationTeleCheck, a credit report and ID
Special Notes

***IT HAS BEEN REPORTED THAT THEY ARE VERY PICKY ABOUT CREDIT

***IT IS VERY HARD TO GET APPROVED FOR AN ACCOUNT WITH THEM UNLESS CREDIT SITUATION IS EXCELLENT

  • They do not use ChexSystems
  • You can apply for membership online
  • Send in a copy of your DL and SS card notarized with signature card

SPECIAL NOTE: YOU MUST MAINTAIN A $50.00 BALANCE IS A SAVINGS ACCOUNT FOR THE LIFE OF THE MEMBERSHIP.

THEY ALSO OFFER BUSINESS CHECKING. THEY NEED THE BUSINESS NAME AND THE INFO FOR THE BUSINESS TO ATTATCH IT TO A CHECKING BUT THEY WILL OPEN IT UNDER THE NAME OF THE BUSINESS

Membership Information

You can join America's Credit Union!

We do not have zip code or employment restrictions. Just join the Association of the United States Army. Membership is open to everyone! For those joining the Association of the United States Army as a means of qualifying for credit union membership, a $33.00 AUSA membership fee is required.

Email from Bank

If you are interested in an account with America's Credit Union you will need to consent to having a credit check.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

DuPont, Olympia, Lakewood, Fort Lewis, Tacoma, Spanaway, University Place

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

Anyone can join and get an account that lives in the state of Washington but you must apply in person.

Membership Information

Anyone who lives or works in Washington state you need to apply in person at our branch.

Email from Bank

We run a credit report from Equifax. We do not use a score but we review the report history and make our decision from that to determine what we can open.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

Pacific Northwest Credit Union
3250 Northwest Avenue
Bellingham, WA 98225

Name of Bank Cowlitz Credit Union
Form of VerificationEquifax credit report
Membership Information

You live, work, worship, or go to school in "qualified communities", described as school districts within the State of Washington as recognized by the Office of the Superintendent of Public Instruction. You live or work in Cowlitz County.

Email from Bank

For a new savings / checking we pull credit to open the accounts and we need a copy of your Social Security Card, Valid Washington ID, and also if your address is different than your ID we will need a copy of a bill or something with your address on it. A score of 640 is required on Equifax.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

821 Washington Way in Longview Washington

Name of Bank Gesa Credit Union
Form of VerificationChexSystems
Membership Information

If you live, work, or worship in the state of Washington.

Email from Bank

Currently all new account are run through ChexSystems prior to opening, if they need additional information we may run a credit report.

Thank you for your question, we do have an account that is called a “Fresh Start Checking”.

Qualifications: Any potential member that does not have fraud related hits or outstanding balances payable to any financial institution on chex-system. Any outstanding balances to other institutions must be satisfied prior to the account opening. If you have received an expulsion from Gesa Credit Union you are not eligible for this account.

  • Minimum to open is $200.00. Initial deposit is frozen and unavailable for the member to use.
  • There is a $10.00 monthly fee.
  • The account does not pay interest.
  • Overdraft Protection is automatically available through the regular savings, OD line of credit or personal line of credit.
  • The account doesn’t come with a free box of checks
  • First Visa Check Card is free for Owners and Joint Owners

These are the basic features for the “Fresh Start Checking” account.

Types of Accounts OfferedSecond chance checking
Locations

Richland, West Richland, South Richland, Kennewick, Pasco, West Pasco, Walla Walla Tietan, Walla Walla Poplar, Wenatchee.

Name of Bank American Lake Credit Union
Form of VerificationTeleCheck
Membership Information

Any person living in a school district in the state of Washington.

Email from Bank

Yes, we run TeleCheck when opening any new account.

Types of Accounts OfferedPersonal checking and savings accounts
Locations

Tacoma

Name of Bank OBee Credit Union
Form of VerificationCredit report. Currently we are not using ChexSystems or the like. They do run a credit report when determining qualifications for membership.
Membership Information

You live, work, or worship within Washington State.

Email from Bank

The first criteria is you must live, work or worship within Washington State.

The second is a valid picture ID, such as driver’s license or ID card.

We also request a credit report.

Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

Tumwater, Tenino, Lacey

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 Renton Community Credit Union
Form of VerificationChexSystems and a credit report
Membership Information

If you live, work or worship within a Washington State school district you are eligible to be a member.

Email from Bank

If you are reported to ChexSystems we do offer a second chance account that is 14.95 a month.

Types of Accounts OfferedSecond chance checking
Locations

KECU Office 1102 Bronson Way N, Suite C Renton, WA 98057

Name of Bank West Coast Bank
Form of VerificationChexSystems
Special Notes

They offer second chance checking for those that do not owe the reporting bank(s) and no fraud is indicated on the report.

Email from Bank

Our policy as a bank is that as long as that has been paid off and reported, we do offer what is called second chance checking for potential customers. This can be explained further, and if you qualify, at any of our branch locations.

Types of Accounts OfferedSecond chance checking
Name of Bank Wheatland Bank
Form of VerificationEWS
Types of Accounts OfferedPersonal checking, savings and business accounts
Locations

134 E Woodin Ave P.O. Box 1745 Chelan, WA 98816

1015 Central Ave S P.O. Box 940 Quincy, WA 98848

14732 E Indiana Ave Spokane Valley, WA 99216

600 Morgan Street P.O. Box 960 Davenport, WA 99122

101 E 1st Ave P.O. Box 436 Ritzville, WA 99169

1114 N Mission Street, Ste 2 Wenatchee, WA 98801

205 S Main Street Ellensburg, WA 98926

222 N Wall St # 100 Spokane, WA 99201

8 SE Main St P.O. Box 249 Wilbur, WA 99185

1442 S Pioneer Way Moses Lake, WA 98837

10801 N Newport Hwy Spokane, WA 99218

201 E Yakima Avenue, Ste 100 Yakima, WA 98901

22 E. 1st Ave P.O. Box 399 Odessa, WA 99159

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 Bank of America
Form of VerificationChexSystems and EWS
Special Notes

Your report must be at least 6 months old. You MUST NOT be reported to EWS. If you are reported to EWS, they may open the account and close it later.

Types of Accounts OfferedMy-Access Checking - Monthly maintenance fee: $8.95 per month [Fee waived with direct deposit]. Minimum Opening Deposit Requirement: $25
Locations

Call a branch near you to see if they participate There are some that are being approved at locations that do not participate in this program.

Name of Bank Banner Bank
Form of VerificationChexSystems
Special Notes

This is for Seattle-King County residents ONLY.

Membership Information

The ChexSystems report must NOT show any fraud. No money can be owed to the reporting bank and it must be at least a year old.

No debit card for 6 months unless you set up direct deposit and if you can then the card will be issued in 90 days.

Types of Accounts OfferedSecond Chance checking (but this is a regular checking account)
Locations

MUST be a participating location in Seattle-King County. Other locations do NOT offer this.

Name of Bank Express Credit Union
Form of VerificationChexSystems
Special Notes

They do participate in a program called Bank on Seattle-King County.

Membership Information

It's easy to become a member of Express Credit Union – any resident of Washington State is eligible to join.

Email from Bank

I called and talked to the manager and she did say that they do approve those reported to ChexSystems but each case is difference depending on what is reported. Some may NOT be approved while others may be approved for a

  • Savings account with an ATM only
  • or others might be approved for a regular checking. Again it depends on what the report says.
Types of Accounts OfferedPersonal checking and savings accounts
Locations

Seattle

Name of Bank HomeStreet Bank
Form of VerificationChexSystems
Special Notes

I called and talked to several branch managers and they said yes they do sometimes open accounts for those reported to ChexSystems depending on the severity of the report.

Membership Information

As for my experience they did check my ChexSystems although I came in requesting Bank On account. She did determine that because my ChexSystems report stated "account abuse" and not fraud they would open a regular account for me. My chex report is in actuality identity theft and is being disputed on my credit report (along with the other 30 or so I had removed in the last 2 years). In any event - talk about the nicest people and understanding. WOW! I am always anxious since my major identity theft 13yrs ago. I even had Walmart turn me down to cash my tax return last year and they cash almost everyone. Also if you refer anyone you get a $50 credit. This bank made me feel important and that if there is ever an issue they will personally handle it. Very HOMEY! Already got first checks and visa debit on way - online banking and billpay already set-up!!

Types of Accounts OfferedPersonal savings and checking

    More Non-ChexSystems Banks in the U.S.

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