Do you have poor financial credit? If you have found yourself on the ChexSystems database, you may be wondering how you will ever open another bank account. If you have poor financial credit, many banks will consider you a major risk. This includes when you have bounced checks, kited checks, accrued NSF fees, or even had a negative balance for a specific amount of time.
Luckily, there are financial institutions that choose not to use ChexSystems as a method of screening customers. These financial institutions are often called ‘last chance banks’ or ‘non-ChexSystems banks’ provide services to customers with bad credit. These financial institutions accept you, knowing that you are a risk. While this can mean that they will require a deposit held in reserve, you should not have to pay for services that are normally free, such as making deposits or writing checks. You can use these banks while you are working on repairing your credit.
Arizona has several financial institutions that are Non ChexSystems Banks. These banks are helpful for you if you have questionable credit. It may be a good idea to start with these and see if they can provide the services you are looking for. You can also look on the Internet to find out if there are other options available for you.
Please note that the information about non chexsystems banks changes each year (even month). We cannot guarantee any of the banks listed won’t do a non chexsystems check (though at the time of compiling, these banks don’t require a chexsystems check). You will have to call the banks to see.
If you have problems opening up a bank account, the best solution is to open up an online bank account here.
Non ChexSystems Banks in Arizona
- Armed Forces Bank (888) 929-2265
- Compass Bank (800) 266-7277
- BNC National Bank (800) 262-2265
- US Banks (800) 872-2657
- Arizona Federal Credit Union (602) 683-1000