If you have poor financial credit, many banks will consider you a risk. Risky behaviors include when you have bounced checks, kited checks, accrued NSF fees, or even had a negative balance for a specific amount of time. Oftentimes, once your poor credit has been noticed you will no longer be extended the opportunity to bank with ChexSystems banks.
Approximately 80% of US banks subscribe to ChexSystems, however, every state has what are sometimes called ‘last chance banks’ or ‘non-ChexSystems banks’ which provide services to customers with bad credit.
These financial institutions accept you, knowing that you are a risk. This can mean that they may require a deposit to be held in reserve, in case of NSF fees, etc. or it may mean that they require some form of collateral. Either way, you are able to rebuild your credit by using these alternative banks or credit unions.
Georgia has several financial institutions that are Non ChexSystems Banks. You may want to start with these and see if they can provide the services you are looking for. You can also do an Internet search to find out if there are other banks that are available. The Internet is a great source of finding Non ChexSystems banks in Georgia.
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 Georgia
- ABC Bancorp (866) 616-6020
- Colonial Bank (800) 226-5228
- Columbus Bank & Trust (706) 649-4900
- Savannah Bank (912) 629-6500
- SouthTrust Bank (800) 922-4684 **Now Wachovia Banks**
- Summit National Bank (888) 895-5650 **Now EastWest Bank**
- Wachovia Corporation (800) 922-4684