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.

Capital One 360

Capital One does look at your ChexSystems information, but will still consider you if you have a good credit history. The account doesn’t have any fees or minimum amount, and allows you to deposit checks on the go. It’s worth trying to apply for a Capital One account because the benefits are much greater than with other banks.

Suntrust Bank

Suntrust claims not to screen potential applicants’ ChexSystems history, but they may still deny people with evidence of fraud against their name. There may also be issues with other serious violations, but this will likely be looked at on an individual basis. The account comes with a $7 monthly fee, which can be waived if you meet one of several requirements. These are either 10 bank transactions a month, at least $500 of direct deposits a month, or a minimum balance of $500 every day.

Peoples Cash Solutions

This is a good option for those with a ChexSystems history and bad credit, and they will consider most people as long as you don’t have fraud issues to your name. Their fee is $4.95 a month and you get a MasterCard debit card and checks.

Navy Federal Credit Union

You have to be an active or retired member of the Armed Forces, Coast Guard, National Guard, or Department of Defence to apply for this union. It doesn’t require a ChexSystems history, and you have the option to open a free account without a minimum balance.

Wells Fargo

This is a good option if you need help keeping your finances in check because the account has quite a few restrictions on it. You have to make an initial deposit of $50 and then pay a $10 monthly admin fee. There are several ways to waive this, including a certain number of transactions and a minimum daily balance. It also gives you ways to check your spending and budget.

Many people see ChexSystems as a restriction on their options for opening a new checking account. Luckily there are options out there for people with a history, it’s just a case of doing some research. Hopefully the options above are helpful, but there are plenty more to be found online.