Non ChexSystems Banks & Credit Unions in Wisconsin

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

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 Wisconsin 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 WoodForest Bank
Form of VerificationChexSystems and TeleCheck
Special Notes

You must apply in person and they are very friendly to those reported to ChexSystems.

2nd Chance account is $7.95 if you have direct deposit. $9.95 if you do not.

$25.00 one time debit card processing fee. There is a 15.00 monthly fee FOR A BUSINESS ACCOUNT.

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.

All deposits are available immediately. 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 Best Bank/Guaranty Bank
Form of VerificationChexSystems
Special Notes

*** You must apply in person for this account, do NOT apply online ***

  • $25.00 to open the account
  • No debit card or checks
  • It does come with an ATM card
  • Money orders are FREE
  • $8.00 monthly fee or $5.00 with direct deposit
  • After 6 months you may be able to convert to a regular free checking as long as the account remained in good standing and no overdrafts
  • if you do not owe the reporting banks, may be able to open a regular checking account.
Email from Bank

I just wanted to let you know that there is a bank here in Milwaukee, Wisconsin that is offering 2nd chance checking with no ChexSystems submitals. It is a promotion going on for a short time and they can talk to Alicia. Here is the address information for the bank.

Guaranty Bank: Wauwatosa - Sentry

6700 West State Street
Wauwatosa, WI 53213-2838

(414) 443-2640

I know it's good. Went in there to take my daughter today, her friend last week and I will be going to see them in the morning. Hope this helps!

Email from person that got an account:

I appreciate your help. I got a regular account with Guaranty Bank (no questions) Country Club Hills (inside a Super Walmart).

Types of Accounts OfferedSecond Chance Checking
Name of Bank TCF Bank
Form of VerificationChexSystems
Special Notes

I actually called the 1800 number and they told me that as long as you don't owe TCF any money, anybody can open an account. DO NOT APPLY FOR THIS ACCOUNT IF YOU HAVE BEEN REPORTED TO EWS, THE ACCOUNT MAY BE OPENED BUT WILL LATER BE CLOSED.

Membership Information

None with any of the following:

  • Direct Deposits totaling $100+
  • $500 minimum balance
  • $2,500 Combined Deposit Balances1 Otherwise $9.95 monthly fee
Types of Accounts OfferedPersonal Checking, Savings and Business Checking
Name of Bank Altra Federal Credit Union
Form of VerificationChexSystems and a Credit Report
Special Notes
  • USES CHEXSYSTEMS BUT IF PAID, 6 MONTHS OLD CAN GET AN ACCOUNT
  • FOR BEST RESULTS FRAUD SHOULD NOT BE INDICATED.
Membership Information

See web site for area on map for eligibility.

Email from Bank

As long as the listing on ChexSystems is 6 months or older and showing paid you would be able to open an account. We have a 6 month trial basis with no NSF activity and we wait that 6 months before ordering a check/debit card for the member.

Types of Accounts OfferedPersonal Checking and Savings
Name of Bank CoVantage Credit Union
Form of VerificationCredit Report
Membership Information

You live or work in Langlade, Forest, Shawano, Menominee, Marathon, Oconto, Clark, Portage, or Wood County; or in parts of Lincoln and Oneida County.

This area includes the following counties: Langlade, Forest, Marathon, Oconto, Shawano, Menominee, Clark, Portage, or Wood County; and in parts of Lincoln and Oneida County.

Email from Bank

We use Trans Union Credit Reporting Agency. Yes, we do look at 650 or higher for a checking account. However, we do look at the type of collections that a person may have on their bureau and make our decision. Some accounts may be opened with less than a 650.

We do not use any of the other systems you listed.

Types of Accounts OfferedPersonal Checking, Savings and Business accounts
Locations

Antigo, Crandon, Shawano, Wausau, Rib Mountain, Weston, Crystal Falls, Iron River

Name of Bank First Community Bank
Form of VerificationCredit Report
Email from Bank

We run a credit report thru TransUnion. We look at the overall credit report, taking the score into consideration as well as the number of collections, and the payment history on the items that are listed.

Types of Accounts OfferedPersonal Checking, Savings and Business accounts
Locations

202 Merchant Row, P.O. Box 218
Milton, Wisconsin 53563

Name of Bank Farmers Savings Bank
Form of VerificationCredit Report
Email from Bank

We check credit reports when opening a new checking or savings account. 660 or above. If between 600 and 660 needs to be approved by an officer.

Types of Accounts OfferedPersonal Checking, Savings and Business accounts
Locations

Mineral Point, Dodgeville, Edmund, Hollandale, Ridgeway, Mount Horeb

Name of Bank Taylor Credit Union
Form of VerificationID with current address on it
Membership Information

Live or work in Taylor, Price, Lincoln, Marathon or Clark Counties.

Live or work within a 25-mile radius of Medford.

Email from Bank

I called and they only require an ID. They do not use ChexSystems at all.

Types of Accounts OfferedPersonal Checking and Savings
Locations

825 E Allman St.
PO Box 487
Medford WI 54451
715-748-2447

310 S 4th St.
PO Box 487
Abbotsford WI 54405
715-223-4777

Name of Bank WESTconsin Credit Union
Form of VerificationCredit Report
Membership Information

You are eligible for membership if you live or work in the Wisconsin counties of Barron, Buffalo, Burnett, Chippewa, Dunn, Eau Claire, Pepin, Pierce, Polk, Rusk, St. Croix, Sawyer, Trempealeau or Washburn.

Email from Bank

We do not use ChexSystems, TeleCheck, Deluxe Detect. When you open a new savings and checking account we do run a credit report through TransUnion.

You will need a valid driver’s license, Social Security number, and $5.00 to open a savings account.

Types of Accounts OfferedPersonal Checking, Savings and Business accounts
Locations
  • Baldwin
  • Barron
  • Hudson
  • Menomonie - Downtown
  • Menomonie - East
  • Menomonie - North
  • New Richmond
  • Prescott
  • River Falls
  • Spring Valley Amery
Name of Bank Park City Credit Union
Form of VerificationCredit Report
Membership Information

Park City Credit Union is open to anyone living or working in Lincoln, Marathon, Oneida, Iron, Price, Vilas or Taylor Counties or within a twenty-five mile radius around the Merrill office.

You are only required to have $5.00 as an initial deposit in a savings account to be a member! Contact our Member Service Personnel at (715) 536-8351 if you have any questions about becoming a member.

Email from Bank

Our system of verifying new accounts is by credit report.

Types of Accounts OfferedPersonal Checking and Savings
Locations

Merrill

Name of Bank R.I.A. Federal Credit Union
Form of VerificationEquifax Credit Report
Membership Information

Persons who live or work in Scott, Muscatine, Rock Island, and surrounding counties in Iowa and Illinois are eligible for membership, as are persons residing or employed in Monroe and parts of Juneau counties in Wisconsin.

Email from Bank

When opening a Checking or Savings account we pull a credit report. Most people will qualify for a savings account regardless of the result of their Equifax credit report; however, the determination of eligibility for a checking account would be at the discretion of the manager opening the account and is dependant on the outcome of the report. All members must also qualify for our field of membership before an account can be opened.

Types of Accounts OfferedPersonal Checking and Savings
Locations

Fort McCoy, Tomah

Name of Bank Central City Credit Union
Form of VerificationCredit Report
Membership Information

To be a member of Central City Credit Union, you need to live or work in Adams, Clark, Marathon, Portage, Shawano, Waupaca, Waushara, and Wood counties. Also the township of Alma, Jackson county, WI. This included any incorporated villages located within those and the townships.

Email from Bank

We run a credit report for checking accounts, debit and ATM cards through TransUnion. We do not do a credit check for just a savings.

Types of Accounts OfferedPersonal Checking and Savings
Name of Bank U.S. Bank
Form of VerificationChexSystems
Special Notes

It has been reported that if your report is 2 1/2 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 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 River Valley Bank
Form of VerificationCredit Report
Email from Bank

We use a credit report to verify for new accounts.

Types of Accounts OfferedPersonal, Checking, Savings and Business accounts
Locations
  • Wausau
  • Rothschild
  • Weston
  • Mosinee
  • Merrill
  • Tomahawk
  • Minocqua
  • Eagle River
Name of Bank Sunrise Credit Union
Form of VerificationCredit Report
Special Notes

Must have a valid WI ID and $25.00 to open an account.

Membership Information

If you live or work in Brown County.

Email from Bank

We use a credit bureau report. We do not use the score to make the decision, but the overall credit record.

Types of Accounts OfferedSavings and Checking accounts
Locations

Sunrise Credit Union
505 Clinton St
Green Bay, WI 54303

Name of Bank Marine Credit Union
Form of VerificationTransUnion Credit Report
Special Notes

I did call and they stated that they look at overall credit, a certain score is not required.

Membership Information

Those who live or work in Brown, Calumet, Columbia, Crawford, Dodge, Grant, Green Lake, Fond du Lac, La Crosse, Manitowoc, Marquette, Milwaukee, Outagamie, Ozaukee, Sheboygan, Vernon, Washington, Waukesha, Waushara and Winnebago Counties in Wisconsin

Email from Bank

We do not use these systems, those organizations are for merchant use. We do a credit check for a checking account.

Types of Accounts OfferedPersonal Checking and Savings
Name of Bank Fox Communities Credit Union
Form of VerificationCredit Report
Membership Information

Anyone who resides or works in the following counties: Brown, Calumet, Kewaunee, Manitowoc, Oconto, Outagamie, Shawano, Waupaca, Winnebago.

Email from Bank

We do not use ChexSystems when opening a account however we do look at the credit report. There isn't a score that approves or declines an account automatically. Everything is based on the history of the report. If we can have you stop in we can take a look at your situation and let you know if we can get that opened or not.

Types of Accounts OfferedPersonal Checking, Savings and Business Checking
Name of Bank Prospera Credit Union
Form of VerificationCredit Report
Membership Information

Anyone living or working in Calumet, Outagamie, and Winnebago counties can join.

Email from Bank

We would run a credit report Minimum score of 450, but we do look at credit history as well.

Types of Accounts OfferedPersonal Checking, Savings and Business Checking
Name of Bank Denmark State Bank
Form of VerificationTransUnion Credit Report
Email from Bank

Yes, we do run a TransUnion credit report on any new checking or savings account opened at Denmark State Bank. We require at least a 600 and you can’t have any collections or civil judgments.

Types of Accounts OfferedPersonal Checking, Savings and Business accounts
Locations
  • Denmark
  • Bellevue
  • Maribel
  • Reedsville
  • Whitelaw Wrightstown

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