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.

16
Available Bonuses
$4,450
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:

  • Unpaid negative balances
  • Suspected fraud
  • Account abuse
  • Too many account openings

Negative marks stay on your ChexSystems report for 5 years. If you've been denied a bank account, the banks below are your best options.

No ChexSystems Bank Bonuses

H

HSBC

HSBC Premier Checking

$600
Checking
💵$5,000+ direct deposit (3x)
📋$50/mo fee (waivable)
Hard Pull
Expires May 31
A

Axos Bank

Axos Rewards Checking

$500
Checking
💵$3,000+ direct deposit (2x)
✓No monthly fee
Expires Mar 31
C

Citibank

Citi Priority Account

$400
Checking
💰$50,000 deposit for 60 days
📋$30/mo fee (waivable)
Expires Mar 31
B

BMO

BMO Alto Online Savings

$350
Savings
💰$25,000 deposit for 90 days
✓No monthly fee
Expires Jun 30
S

SoFi

SoFi Checking & Savings

$300
Checking
💵$5,000+ direct deposit
✓No monthly fee
A

American Express

American Express High Yield Savings

$300
Savings
💰$25,000 deposit for 90 days
✓No monthly fee
C

Capital One

360 Checking

$250
Checking
💵$250+ direct deposit (2x)
✓No monthly fee
A

Ally Bank

Ally Interest Checking

$250
Checking
💵$1,500+ direct deposit
✓No monthly fee
U

U.S. Bank

U.S. Bank Elite Money Market

$250
Savings
💰$25,000 deposit for 90 days
📋$10/mo fee (waivable)
Expires Mar 31
C

Citibank

Citi Accelerate Savings

$200
Savings
💰$20,000 deposit for 60 days
✓No monthly fee
Expires Mar 31
C

Capital One

360 Performance Savings

$200
Savings
💰$10,000 deposit for 90 days
✓No monthly fee
D

Discover Bank

Discover Online Savings

$200
Savings
💰$15,000 deposit for 30 days
✓No monthly fee
D

Discover Bank

Discover Cashback Debit

$200
Checking
💵$1,000+ direct deposit
✓No monthly fee
P

PNC Bank

PNC High Yield Savings

$200
Savings
💰$10,000 deposit for 60 days
✓No monthly fee
Expires May 6
A

Ally Bank

Ally Online Savings

$150
Savings
💰$10,000 deposit for 90 days
✓No monthly fee
M

Marcus by Goldman Sachs

Marcus High-Yield Savings

$100
Savings
💰$10,000 deposit for 90 days
✓No monthly fee

Tips for Success

  • ✓Request your free ChexSystems report at ConsumerDebit.com to see what's on it
  • ✓Online banks like SoFi, Discover, and Capital One are generally more lenient
  • ✓Second chance accounts exist but usually don't offer bonuses
  • ✓Build positive banking history to improve future options