Banks that don't use ChexSystems?

Reviews
1

Are there any banks or credit unions that offer checking accounts without using ChexSystems or EWS, and they’re not prepaid accounts?

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Yes, Popular online bank Chime does not make use of EWS or ChexSystems.

They provide a checking account that is fee-free and has no monthly fees or minimum deposit.

Chime also offers early direct deposit and access to more than 60,000 ATMs.

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US Bank is an additional credit union that does not utilize ChexSystems for its Safe Debit Account.

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Top Banks and Credit Unions Without ChexSystems
Bank / Credit Union Forbes Advisor Rating Annual Percentage Yield (APY)
SoFi Checking and Savings Account 4.5 Up to 4.60%
Capital One 360 Checking Account 4.5 0.10%
Chime® Checking Account 4.4 None
LendingClub Bank Rewards Checking 4.2 Up to 0.15%

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Here are some of the top banks that do not use ChexSystems:

  1. Best No Opening Deposit Bank: Chime
  2. Best Account to Build Credit: Current
  3. Strong Branch Network: Chase
  4. Best Business Checking: Found Banking
  5. Best Rewards Checking: Upgrade Rewards Checking Plus
  6. Best Fee-Free Account: SoFi
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I would recommend Chime.Its Best known for its overdraft features, Chime provides a Checking Account without ChexSystems checks and with no monthly fees.