Non ChexSystems Banks

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I thought it would be usefull to some of us FWers to have a list of banks that do not use ChexSystems.

For those who do not know what ChexSytems is you can read about it HERE

I did a search and didn't find anything similar.
I put the list that I have found in the quick summary so that anybody can edit/add to it.

Hope this helps some of you!!!

Member Summary
1st Alliance XXI FCU
1st Plattsburgh FCU

Abbotsford State Bank
ABC Bancorp ( American Banking Company )
ABHH EFCU
Abrams Centre National Bank
Acacia Federal Savings Bank
Access Federal CU
Adams Bank Trust
Adrian State Bank
Advance Financial Savings
Air Academy National Bank ( Armed Forces Bank )
Alabama Central CU
Alabama Gas CU
Alabama National Guard CU
Alabama Telco CU
Alamogordo Federal Savings and Loan
Alaska Airlines EFCU
Alaska Pacific Bank
Alaska USA FCU
Albemarle First Bank
Alcoa Community FCU
Alisos CU
Alleghany First Bank (Ash Federal, Applachian First)
Allegheny Valley Bank of Pittsburgh
Allegiance Community Bank
Allegiant Bank
Allfirst Bank
Allied CU
Alpine Credit Union
Alternatives Federal Credit Union
American Express Membership Banking
American Savings CU
Antioch Community FCU
Arapahoe Credit Union
Arcadia City FCU
Atchison Village CU

Ballston Spa National Bank
BancorpSouth
BancWest Corporation ( Bank of the West, First Hawaiian Bank )
Bank Trust Company
Bank Audi USA
Bank Independent
Bank Midwest
Bank of Alamo
Bank of Amador
Bank of America
Bank of Bartlett
Bank of Belton
Bank of Benton
Belt Valley Bank
Blue Mountain CU
BN West CU
BOK Financial Corporation
Bon Marche FCU
Butte FCU

Calcoe FCU
California Lithuanian CU
Capital Bank Corporation
Carter FCU
Catlin Bank
Cherry EFCU
Chinatown Federal Savings Bank
Church/Co-op CU
Citizens National Bank
City National Bank
Colonial Bank
Columbia-Barnard ( Bethex ) Federal Credit Union
Community Plus Savings Bank
Compass Bank
Copley Los Angeles FCU
Cross County Federal Savings
Crossett Paper Mills EFCU
Customs FCU
Cyril State Bank

Delta Valley CU
Desert Communities FCU
Downey City EFCU

El Cajon Federal CU
El Camino College FCU
El Camino Hospital FCU
Electric FCU
Envision Credit Union
Equitable Federal Savings Bank
Equitable Savings Loan
Espeeco FCU
EW No 401 CU
Excel Federal Credit Union

Family 1 Federal Credit Union
Family FCU
First Atlantic Federal Credit Union
First Convenience Bank
First Entertainment Credit Union
First State Bank
First Tennessee National Bank
Florida State Employees Federal Credit Union
Fort Sill National Bank

Grantsville Federal Credit Union
Great Eastern Bank
GTE Federal Credit Union

Hawthorn Bank
Home Street Bank

Metcalf Bank
Mission Area Federal Credit Union (San Francisco)

Native American Bank
Navy Federal Credit Union
Nevada State Bank

Penn State Federal Credit Union
Pentagon Federal Credit Union
Raymond James Bank, FSB
RBC Centura Bank
River City Bank

Savannah Bank
Savings Institute
Seattle Telco Federal Credit Union
Six Rivers National Bank
Sky Bank
South Trust Bank
South First Bancshares (First Federal of the South)
Southington Savings Bank
Southwest Bank
Stillwater National Bank Trust
Summit National Bank
Susquehanna Bancshares (Citizens Bank)

TCF Bank
Team Financial
Telesis Community CU
Texans Credit Union
The University of Colorado Federal Credit Union
Ticonderoga Federal Credit Union
Timberland Bank
Town and Country Credit Union
Tri Counties Bank
Trust mark National Bank

Unibanco ( Union Bank Trust)
Union Bank of California Nest Egg Club
Union Planters Bank
United Bank
US Bank of Walnut Creek

Wachovia Corporation
Washington Credit Union
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nice list, though some of those banks/CUs use ANOTHER service , just not Chex.

More Chex info in this thread:
http://www.fatwallet.com/forums/messageview.php?catid=52&threadid=577897&highlight_key=y&keyword1=chex

OP: GREEN FOR YOU! Nice list.

My $0.02

Tri Counties bank is based out of the city I live in and I banked with them. I went on vacation and over a check for under $10 that bounced they closed the account and reported me to chexsystems.


They are listed as not using chexsystems and this is incorrect.

Further more bank of america and US Bank if it has been 6 months or longer and you have proof you paid it will open an account for you.

For those of you looking for high yield savings - ING Direct doesn't use ChexSystems.

I was denied by Chase, Amboy, and HSBC all ove an account that was closed $20 negative (because of a disputed service charge) a few years ago. The funny thing is that I have a mortgage and credit card with chase - all opened while this mark was on chexsystems and I have a car loan and credit card with HSBC - also opened while this mark was on there.

I find that while the retail banks might use chexsystems to open a savings or checking account - they could care less when it comes to mortgages, car loans, and credit cards. It's pretty annoying being denied of a savings account for something so petty, but it's alright because I think it should be off in a year or so for me.

Green...Thanks for the list.

most credit check on top of checks. If you bounce checks, its likely they will either take two actions:
1. file at your county for misdermeanor or felony depository fraud
OR
2. plaster your credit file with collections, sell the debt, continue to do so.

So the they check your credit and look for collections that appear to be of check nature.


it's quite easy to use the credit bureaus to find your bad check writing habits.

CERTEGY i think is experian is probably #1 these days. Didn't they buy out scan or chex systems? equifax handles alot of checks too they will fight hard to keep your credit report plastered.

p.s. WAMU didn't check my online application through CHEX. Only in person at a bank would they check it. This was 2 years ago. I was denied due to not having a residence for 2 years on credit file (EXPERIAN). I went to a local credit union who only checked equifax <img src="i/expressions/face-icon-small-smile.gif" border=0> who gave me $9K overdraft (no fee to use), $6K platinum card, and checking and savings for their $15 share purchase. Not bad. The checking is free too with direct deposit. Very friendly folks.

Check out credit unions.




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