It can be incredibly difficult to open a new checking account if you’ve had issues in the past. Much like applying for a loan with a bad credit history, having notices on your checking account can really limit your options.

Banks monitor your checking account history using ChexSystems. This is a system that keeps track of your bank accounts and the reasons they were closed. It logs accounts with too many late payment notices, accounts with fraudulent activity, and other reasons. It’s used by around 90% of banks across the country, and so it can be difficult to find a bank if you have had these issues in the past. To help with this, here is a list of the best Non-ChexSystems banks in USA. (more…)