Non ChexSystems Banks & Credit Unions in West Virginia

Non-ChexSystems Bank Account at BBVA Compass is Available in West Virginia!

Listed in ChexSystems or have bad credit? BBVA Compass approves customers in ChexSystems for their ClearChoice Money Market bank account.


Account Benefits
Not a ChexSystems Bank

Unlike most other banks and credit unions, BBVA does not run ChexSystems for customer verification.

Easy, Convenient Online Banking

Keep an eye on your accounts, transfer money and pay your bills with free online banking.

Pay Your Bills On Time the Easy Way

Never miss another bill payment again. With free bill pay online, you can schedule one-time or recurring payments to individuals or businesses.

Free ATMs

No ATM transaction fee for withdrawals and deposits at BBVA ATMs.

 

Right now, a guaranteed bank account at BBVA is the only trusted option for customers listed in ChexSystems or looking for a second chance bank 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 West 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 Hancock Savings Bank
Form of VerificationWatchdog CIP
Email from Bank

For a new deposit account within our lending area, we utilize the Watchdog CIP system.

Types of Accounts OfferedPersonal Checking and Savings
Locations

Chester, Weirton, New Cumberland

Name of Bank First Community Bank
Form of VerificationChexSystems
Email from Bank

We do offer something called a Rebound Checking account. (Certain criteria may apply.)

Types of Accounts OfferedSecond Chance Checking
Name of Bank First Century Bank
Form of VerificationCredit Report and ID
Email from Bank

To open a new account we verify a valid driver’s license and a credit report with Equifax. We review the all the history on the credit report and the beacon must be a 600 or above.

Types of Accounts OfferedPersonal Checking, Savings and Business accounts
Locations

Beckley, Bluefield, Fort Chriswell, Hinton, Oceana, Pineville, Princeton, Wytheville

Name of Bank Calhoun Banks
Form of VerificationCredit Report
Email from Bank

We at Calhoun Banks currently use Equifax for credit bureau reporting when a customer applies for a checking account. We currently do not require a credit report for savings accounts We like to see at least a 650 for checking accounts, but depending upon the history, we sometimes approve a customer with a lesser score.

Types of Accounts OfferedPersonal Checking, Savings and Business accounts
Locations

Arnoldsburg, Elizabeth, Glenville

Name of Bank Progressive Bank
Form of VerificationCredit Report
Special Notes

You must have a score of 625 or higher to be approved for a checking.

Email from Bank

For checking accounts, we do pull a credit report if the customer does not have any deposit accounts with our bank. There is certain criteria that must be met on the credit report before we can open the account.

For savings accounts, we do not pull any type of report before opening the account.

For both accounts, we require the customer to have proper identification, such as a valid drivers license, that lists their current address.

Types of Accounts OfferedPersonal Checking, Savings and Business accounts
Locations

1090 E. Bethlehem Blvd.
Wheeling, WV 26003
(304) 238-0040

PO Box 1000 / W. Main & Locust St.
Buckhannon, WV 26201

809 Lafayette Ave.
Moundsville, WV 26041

425–3rd St.
New Martinsville, WV 26155

PO Box 4075 / 1701 Warwood Ave.
Wheeling, WV 26003

PO Box 511 / 744 Charles St.
Wellsburg, WV 26070

100 Market Place Mall / Suite 10
Weston, WV 26452

PO Box 6671 / 875 National Rd.
Wheeling, WV 26003

Name of Bank FNB Bank
Form of VerificationCredit Report and ID
Email from Bank

When opening a new checking or savings account we use our own system to check new customers.

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

105 North High Street
Romney, WV 26757

US Route 50
Capon Bridge, WV 26711

Route 28
Ft. Ashby, WV 26719

Hampshire Square Shopping Center
HC 63, Box 2550
Romney, WV 26757

Name of Bank City National Bank
Form of VerificationChexSystems
Special Notes

Offer an account called Bounce Back Checking

Have you ever tried to open a new checking account - only to be turned down? If you've ever had a checking account that was overdrawn when it was closed, your name may appear on a list of people with past banking problems. This makes it difficult to find a bank willing to meet your needs. City National Bank wants to help you get back in the game.

$4.99 with direct deposit and $6.99 without direct deposit

Types of Accounts OfferedSecond Chance Checking
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 Wood County Credit Union
Form of VerificationCredit Report
Membership Information

To be eligible for membership, you must either live, work, worship, volunteer, or attend school in Wood County, West Virginia.

Email from Bank

We run a credit report, the only reason we pull it is for overdraft protection if it isn’t high enough it won’t be put on your account.

Types of Accounts OfferedPersonal Checking and Savings accounts
Locations

2435 Dudley Ave
Parkersburg, WV 26101

Name of Bank Community Trust Bank
Form of VerificationEWS
Special Notes

They do NOT use ChexSystems but they do run EWS.

Email from Bank

We use a system called "Early Warnings".

Types of Accounts OfferedPersonal Checking, Savings and Business accounts
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 Citizens Bank of West Virginia
Form of VerificationCredit Report
Email from Bank

While we do not use ChexSystems, etc., we do have the option of pulling a credit report at the time of opening a checking account.

Types of Accounts OfferedChecking and Savings accounts
Locations

Elkins


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