If you failed to get a new bank account because of your ChexSystems reports, here is a special kind of bank account named 2nd chance checking that can be used as a useful alternative.
This kind of accounts can provide you with a good opportunity of getting benefits from bank accounts. And, if you don’t like 2nd chance banking, you can also choose to try non ChexSystems banks.
List of Banks and Credit Unions Offering 2nd Chance Checking Accounts in CA
Compass Bank(Using Early Warning Services), you can access the bank at www.bbvacompass.com. The bank can offer 2nd chance checking accounts.
Allied Credit Union offers fresh start checking with offices in Sunnyvale, San Jose and Fremont, CA.
CD Federal Credit Union‘s second chance checking with monthly fee of $10 and no minimum balance requirement. CD Federal CU has branches in Redondo Beach, Los Angeles, San Diego, Oakland, Santa Ana and San Bruno, CA.
Central State Credit Union has offices in Lodi, Stockton and San Andreas, CA. And Central State CU’s fresh start checking is designed with monthly fee of $15 to re-establish the checking account history of its members.
Energy One Federal Credit Union‘s second chance checking account is designed with low monthly fee of $9.95 and Unlimited check writing. It hs branches in Bakersfield and Los Angeles, California .
Foothill Federal Credit Union‘s Rebound Checking comes Free e-statements, Free online bill pay and Free Mastercard debit card for those members who have difficulty in opening new checking accounts. FFCU has offices in Glendora, Arcadia and Covina, CA.
Kern Federal Credit Union‘s fresh start checking comes with no minimum balance requirement but requires a monthly fee of $20 and an opening deposit of $25. KFCU has two offices in Bakersfield, CA.
Los Angeles Federal Credit Union also provides its member who have negative “ChexSystem” reports with 2nd chance checking acocunts. Los Angeles FCU has offices in San Fernando, Los Angeles, Glendale, Culver City, and El Monte, CA.
Mid Cities Financial Credit Union: Compton, CA
Alta Vista Credit Union: Redlands, San Bernardino, Rialto, CA
CoastHills Federal Credit Union: Lompoc, Vandenberg Village, Orcutt, Santa Maria, Nipomo, Five Cities, San Luis Obispo, Paso Robles, Atascadero, CA
Heritage Community Credit Union: Folsom, Mather, Rancho Cordova, Mather, Sacramento, Fair Oaks, CA
Southland Credit Union: Downey, Los Alamitos, Garden Grove, Santa Monica, CA
Premier America Credit Union: Chatsworth, Santa Monica, Simi Valley, Thousand Oaks, Valencia, Woodland Hills, Westlake Village, Woodland Hills, Houston, CA
Ventura County Credit Union: Ventura, Port Hueneme, Oxnard, Camarillo, Thousand Oaks, Simi Valley, CA
Western Federal Credit Union: Camarillo, Santa Ana, Carson, Oxnard, Hawthorne, Temecula, Huntington Beach, San Bruno, Irvine, San Diego,Los Angeles, Oakland, Redondo Beach, Torrance, CA
Alliance Credit Union: San Jose, Fremont, Sunnyvale, CA
Allied Healthcare Federal Credit Union: Long Beach, Lynwood, Irvine, CA
E-Central Credit Union: Pasadena, Los Angeles, CA
Farmers Insurance Group Federal Credit Union: Woodland Hills, Pleasanton, Merced, Los Angeles, Agoura Hills, CA
Financial Partners Credit Union: Aliso Viejo, Brea, Canoga Park, Downey, Huntington Beach, Orange, Seal Beach, Woodland Hills, CA
Kaiperm North Bay Federal Credit Union: Vallejo, CA
Keypoint Credit Union: Santa Clara, Cupertino, Dublin, Goleta, Milpitas, Santa Clara, Sunnyvale
Priority One Credit Union: South Pasadena, Los Angeles
OneUnited Bank: Los Angeles, Pasadena, Compton, CA
American United Credit Union: Cabazon, CA
Other Good Credit Unions and Banks in California
Bank Of The West, Its site is www.bankofthewest.com. And the bank do not use ChexSystems. It has more than 700 branches which can serve in all states of USA.
You can visit Summit National Bank on www.summitnb.com. And the bank have some branches in CA do not use Chex.
US Bank‘s site: is www.usbank.com. It is reported that several branches of this Bank can open a 2nd chance checking account for you if you are not reported by their own banks.
Broadway Federal Bank: its website is www.broadwayfed.com
The bank has several branches in Los Angeles which can offer savings-only accounts if all of debt in your ChexSystems reports has been paid off.
Fort Sill National Bank‘s site is www.fsnb.com. And this bank has some branches in Oceanside and San Diego which are reported to not use any service from ChexSystems
Capital Bank of North County will use Telecheck for new account verification.
You can reach First Bank & Trust at www.mycapitalbank.com. It is said the bank will overlook any negative in the ChexSystems report.
California Bank & Trust‘s website is www.calbanktrust.com. If you have paid off all of your incidents, the bank will offer you a new bank account.
Union Bank of California‘s web site is www.unionbank.com. This bank can offer a savings account with which you can use EFT or Paypal.
Armed Forces Bank‘s website is www.afbank.com. Note that the bank can serve both civilian customers and military even with negative ChexSystems record.
Bank of America‘s site is www.bankofamerica.com. And it is reported to offer bank accounts without considering ChexSystems reports now. But I’m not sure.
Bank Of Santa Clara can open accounts for those who have paid off all of their incident.
Some branches of Safeway Select Bank in Gilroy, Modesto and San Jose do not use chexsystem.