ChexSystems is a consumer reporting agency that tracks banking history. Banks use it to screen new account applications. If you have negative marks (bounced checks, unpaid fees), some banks may deny your application.

Which banks do not use ChexSystems?

Several banks do not use ChexSystems or are less sensitive to it, including SoFi, Capital One 360, Discover, Ally, and Chime. These are good options if you have been denied elsewhere.

Can I still get a bank bonus with bad ChexSystems history?

Yes. Banks that do not use ChexSystems still offer sign-up bonuses. You can qualify for these bonuses regardless of your ChexSystems report. Focus on online banks which tend to be less restrictive.

Bank Bonuses That Don't Use ChexSystems

Been denied a bank account due to ChexSystems? These banks don't check ChexSystems when opening accounts, making them perfect for a fresh start. Many still offer generous sign-up bonuses.

Available Bonuses

$4,050

Total Available

$600

Highest Bonus

What is ChexSystems?

ChexSystems is a consumer reporting agency that tracks banking history. When you apply for a bank account, many banks check your ChexSystems report to see if you have a history of:

Bank Bonuses That Don't Use ChexSystems

What is ChexSystems?

No ChexSystems Bank Bonuses

HSBC

Axos Bank

Citibank

BMO

SoFi

American Express

Ally Bank

Capital One

U.S. Bank

Citibank

Capital One

PNC Bank

Ally Bank

Marcus by Goldman Sachs

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