If you have found yourself on the ChexSystems database, you may be wondering how you will ever open another bank account. If you have bad financial credit, many banks will consider you a risk. This occurs 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.
Luckily, there are usually banks called ‘no credit check banks’ or ‘no credit check 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.
Approximately 80 percent of United States banks subscribe to ChexSystems. This is most of the banks in the country. However, every state has what are called ‘last chance banks’ or ‘non-ChexSystems banks’ which provide services to customers with bad credit. If you are a customer with bad credit, this is your way to have somewhat of a normal banking experience.
Nevada has several financial institutions that are Non ChexSystems Bank. You may want to start with these and see if they can provide the services you are looking for.
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.
Nonchexsystems Banks in Nevada
- Armed Forces Bank (888) 929-2265
- Colonial Bank (800) 226-5228 **Now Named BB&T**
- Nevada State Bank (800) 727-4743
- First Entertainment Federal Credit Union (888) 800-3328