Non Checksystems Banks

Illinois
Please note that there may be banks and credit unions on my lists that use a credit
report. There are times ( but not always) that a credit report (Equifax, Experian,
TransUnion) may show a debt to a previous bank. It depends on whether or not the bank
reported it to one of the bureaus. If a debt is shown on a credit report, you may still be
declined for an account even of they do not use chexsystems.
Name of Bank TCF Bank
URL http://tcfbank.com
Form of Verification used by bank chexsystems
Special Notes I actually called the 1800 number and they told me that
as long as you don't owe TCF any money, anybody can
open an account. DO NOT APPLY FOR THIS ACCOUNT
IF YOU HAVE BEEN REPORTED TO EWS, THE
ACOCUNT MAY BE OPENED BUT WILL LATER BE
CLOSED
Person that recently got an account: 5-19-09

Thanks very much for your help. I used TCF
Bank and had no problems. It was in the
Jewel on Howard St in Evanston (in a plaza
with a Best Buy).
Other valuable Information None with any of the following:
• Direct Deposits totaling $100+

• $500 minimum balance
• $2,500 Combined Deposit Balances1
Otherwise $9.95 monthly feee
Email From Bank
Types of accounts offered Personal checking, savings and business

checking
Locations
See web site
Name of Bank Best Bank /Guaranty Bank
URL http://www.bestbank.com
Special Notes *** you must apply in person for this account,
do NOT apply online ***
25.00 to open the account

No debit card or checks
It does come with an ATM card
Money orders are FREE
8.00 monthly fee or 5.00 with direct deposit
After 6 months you may be able to convert to a
regular free checking as long as the account
remained in good standing and no overdrafts
-If you do not owe the reporting banks, you

may be able to open a regular checking.
Membership Information:
Email From Bank
Types of accounts offered Second chance checking
Locations
See web site
Name of Bank Old National Bank
URL https://www.oldnational.com
Special Notes 6-7-10 Old National has a "New Start Account"

-- there's no restriction on if the chex
entries are paid or not - is up to the
branch manager. Old National has
locations in Indiana, Kentucky and
Illinois. The account is only offered in
branches and can't be open on the
phone or online. Account is $8 a month
- has all the features as a regular
account. If it stays in good standing for
12 months, account can become Free
Checking or any other Old National
checking account
Email From Bank 6-7-10 Yes, we do offer a New Start

checking account. To open one
please visit any Old National
Banking Center and they can assist
you with this.
Types of accounts offered Personal checking and savings
Locations
See web site
Name of Bank Elkville State Bank
URL
Form of Verification used by bank 6-7-10 Proper ID
Special Notes -Has no web page...small bank. It has

been reported that do not use
chexsystems.
(618) 568-1541
Email From Bank
Types of accounts offered Personal savings, checking, and business

checking
Locations
110 S 4th St
Elkville, IL
Name of Bank US Employees Credit Union
URL http://usemployees.org
Form of Verification used by bank Telecheck
Special Notes
Membership Information: 1. You can become a USECU member if you live or

work in the following cities:
Harwood
Bedford Park Northlake
Heights
Bellwood Hickory Hills Oak Lawn
Berkley Hillside Oak Park
Berwyn Hines Palos Hills
Indian Head
Broadview River Forest
Park
Burbank Justice River Grove
Chicago LaGrange Riverside
Chicago Ridge LaGrange Park Skokie
Cicero Lincolnwood Stickney
Elmwood Park Lyons Summit
Evanston Maywood Westchester
Evergreen Western
Melrose Park
Park Springs
Forest Park Norridge
Franklin Park North Riverside
Email From Bank 6-7-10
USECU verifies information through telecheck
Locations
MAIN OFFICE
230 S. Dearborn St. Suite 2962
Chicago, IL 60604
HINES OFFICE
5th Avenue & Roosevelt Road
Building 1, Room C124
Hines, IL 60141
CUSTOMS HOUSE
610 S. Canal St., Suite 240
Chicago, IL 60607
Name of Bank Central Federal Savings and Loan

URL http://www.centralfederalsavings.com
Form of Verification used by bank Telecheck
Special Notes They do not use chexsystems, they do use

Telecheck.
Email From Bank 6-7-10 We currently use Telecheck for any new
checking or savings accounts opened.
Locations
5953 W. Cermak Road
Cicero, Illinois 60804-2190
6940 W. Ogden Avenue

Berwyn, Illinois 60402-3692
1921 E. 31st Street

La Grange Park, IL 60525
Northside Community Federal Credit
Name of Bank
Union
URL http://www.northsidecommunityfcu.org
Special Notes
Membership Information: We are a community credit union -

anyone who lives or works in
Uptown, Edgewater, Lakeview or
Rogers Park is eligible to join.
Email From Bank 6-7-10 We use chexsystems for new checking
accounts, or to issue an ATM card. We will
open a savings account even if you have a
chexsystems record.
Types of accounts offered Savings only if reported to chexsystems
Locations
Chicago
Name of Bank Vantage Credit Union
URL http://www.vcu.com
Form of Verification used by bank uses Telecheck and credit report

Special Notes
Membership Information: If someone lives or works in St.

Louis County or St. Charles
County they are eligible.
Email From Bank 6-7-10
To open your membership, you may
stop by any of our branch locations
listed on the back of the brochure.
There is no charge to join the
credit union. We require a $5.00
deposit that is not available
unless you decide to close your
membership. Our savings and
checking accounts have no minimum
balance requirements or monthly
service charge. If your current
address is not printed on your
driver's license, please bring a
utility bill with you for proof of
residence. In addition, if you are
interested in a loan please bring a
recent pay stub.
We verify a credit bureau report

and Telecheck when applying for
membership. In order to open a
checking account, Members must have
a credit score of 499 or higher and
pass the Telecheck screening. If
the credit score is below 499 or if
the Telecheck screening is not
passed, we can open a restricted
savings account with limited
services. If both the credit score
and Telecheck screening are not
favorable, we are not able to open
any account. Vantage Credit Union
is one of the best in the area and
our values of service and education
have helped us continue to grow
over the years to help improve the
financial lives of our Members. I
think you will be pleased with the
full array of services we have to
offer.
Locations
East St. Louis Branch (Has Drive-Up

Lane)
5000 State Street
East St. Louis, IL 62205-1358
Name of Bank MidWest America Federal Credit UNion

URL http://mwafcu.org
Form of Verification used by bank telecheck
Special Notes
Membership Information: Live or work in Vermilion or Coles County

(Illinois)
Email From Bank 6-7-10 We use a system available through
Telecheck
Locations
1460 E St
(inside County Market)
Charleston, IL 61920
210 N. Gilbert St
Danville, IL 61832
500 Lake Land Blvd

Mattoon, IL 61938
Name of Bank Chester National Bank

URL http://www.chesternationalbank.com
Form of Verification used by bank telecheck
Special Notes
Email From Bank 6-7-10 We use Telecheck

Locations
Chester
1112 State St.
PO Box 327
Chester, IL 62233
Sparta
165 West Broadway
Sparta, IL 62286
Northtown Shopping Ctr.

Sparta, IL 62286
Red Bud
1414 South Main St.
Red Bud, IL 62278
1010 North Main St.

Perryville, MO 63775
Name of Bank Glenview State Bank
URL http://gsb.com
Form of Verification used by bank Credit report 650-700 score required and
generally they use Transunion
Special Notes
Email From Bank 6-7-10 At Glenview State Bank, we utilize a credit

report.
Types of accounts offered Personal checking, savings, and business
accounts
Locations
We have locations in Glenview, Northfield,
Northbrook, and Arlington Heights
Name of Bank First State Bank
URL http://fsbmendota.com
Form of Verification used by bank Credit report
Special Notes
Email From Bank 3-7-10 We use a credit report to verify a new

account.
accounts
Locations
First State Bank, Main Office
706 Washington Street
Mendota, Illinois 61342
First State Bank, Plaza North

817 Illinois Ave.
Mendota, Illinois 61342
First State Bank, Bloomington

2205 E Empire
Suite A
Bloomington, IL 61704
First State Bank, Peru

4351 Venture Drive
Peru, Illinois 61354
First State Bank, Ottawa

1212 LaSalle St.
Ottawa, Illinois 61350
First State Bank, Streator

302 East Main St.
Streator, Illinois 61364
First State Bank, McNabb

411 West Main Street
McNabb, Illinois
First State Bank, LaMoille

Gurney St. & Rt. 34
LaMoille, Illinois 61342
Name of Bank R.I.A. FCU
URL http://riafcu.com
Special Notes
Membership Information: Persons who live or work in Scott,

Muscatine, Rock Island, and surrounding
counties in Iowa and Illinois are eligible for
membership, as are persons residing or
employed in Monroe and parts of Juneau
counties in Wisconsin.
Email From Bank 3-9-10 When opening a Checking or Savings
account we pull a credit report. Most
people will qualify for a savings account
regardless of the result of their credit
report; however, the determination of
eligibility for a checking account would be
at the discretion of the manager opening the
account and is dependant on the outcome of
the report. All members must also qualify
for our field of membership before an
account can be opened.
Locations
Rock Island Arsenal
Building #61
Rock Island, Illinois 61299
1522 46th Ave

Moline, Illinois 61265
(563) 355-3800
103 3rd St
Savanna, Illinois 61074
110 East 10th Ave

Milan, Illinois 61264
Name of Bank Generations Credit Union
URL http://generationscu.org
Form of Verification used by bank
Special Notes They do not use chexsystems
Membership Information: If you live or work in Boone, De Kalb, Ogle,

Stephenson, or Winnebago counties.
Email From Bank 6-7-10 We are required by law to verify the identity of
our members and verify that the member is
within our field of membership. This is
accomplished when you provide a government
issued photo id (usually your driver's license)
and a second form of government issued id
(usually SSN card or voter registration card).
Once we have verified your identity and
confirmed that you are within our field of
membership, then we can accept you as a
member of our credit union. Membership will
require a membership fee of fifty cents and a
deposit of $25 into a regular share account
(savings). That is all there is to the process of
establishing membership and opening a
savings account.
You can apply for a share draft (checking)

account once you've established membership.
The checking account does require an
approval process that includes a credit bureau
report. I presume from the nature of your
question that you may have an issue with the
credit report? If so, please be aware that
depending on the severity of your issue, we
still may be able help you through one of our
programs.
Please let me know if there is anything further

you'd like for information or feel free to call our
office and speak directly to our staff

Locations
Main Office
5618 Harrison Avenue
Rockford, IL 61108
MNP Precision Branch

1111 Samuelson Rd.
Rockford, IL 61109
Belvidere Branch Office

2026 N. State St.
Belvidere, IL 61008
Name of Bank Amcore Bank

URL http://amcore.com
Special Notes -chexsystems report must show as paid and

not indicate fraud
Email From Bank 3-9-10 We do use Chex systems; however,

please keep in mind that we're also a
second chance bank. I would like the
opportunity to discuss the different
options available and answer any
questions that you may have.
Types of accounts offered Personal checking, savings, and business
accounts
Locations
See web site
Name of Bank Advantage One Credit Union
URL http://www.adonecu.org
Special Notes
Membership Information: Our membership is open to all who live or work

within 35 miles of our office in Morrison, IL
Email From Bank 3-7-10 First we have to have you become a member
with the credit union and fill out membership
cards and put $5.00 in a savings acct. Then if
you want to open a checking acct we have to
do a background check. In doing so we run a
credit report. If you are eligible we give you
your 1st 50 checks free, a debit card with
a $5.00 fee. If you have any other questions
please feel free to call 712-792-9728 and talk
to katie or jean. Also you can read up on our
credit union on our web site
www.adonecu.org.
Locations
204 N Jackson Street

Morrison, IL 61270
113 W. Fifth Street

Carroll, IA 51401
Name of Bank ING Direct
URL http://www.chexsystemsvictims.com/Electric_Orange_Account.html
Special Notes ING is a great bank if you are looking for a savings
account and possibly a checking. ANYONE can get a
savings here. They do not use chexsystems and no one
has ever reported to me that they were denied for the
savings at ING.
The do offer a checking account that is credit based. They

determine if you are eligible for the checking not with
chexsystems but a credit report instead. Some people
have no problem at all getting both a savings and
checking at ING while others have been turned down for
the checking.
The best thing about this account is that they use the
allpoint network (ATMS) and there are locations all over
the US. You can not make deposits with them but they
are free for withdraws. This account is best when used
with direct deposit. All deposits must be mailed in UNLESS
YOU LIVE NEAR A CAFE These are cafes where you can do
everything that you can do at any bank branch.
The only catch is that you must y be a US citizen or

permanent resident with a valid social security number,
be over 18, and have a personal (non-business) checking
account at another U.S. chartered bank to link the electric
orange account to.
Email From Bank You do not have to live locally to a Café to get an account
(anyone can open an account) at ING Direct
Types of accounts offered Savings and checking
Locations
Chicago CAFE
Location: 21 E. Chestnut Street
Name of Bank US Bank
URL http://www.usbank.com/
Special Notes It has been reported that if your report is

21/2 yrs or older, they will not even see it.
If this is your situation you can apply
online, if not, you would need to visit an
“in store” branch.
Most US banks “in store” branches are

giving accounts to most people on
chexsystems. These are regular accounts, not
2nd chance checking...as long as you do
NOT owe US Bank money and you are not
reported on your chexsystems report for
any kind of
" fraudulent activity "
We do have a list of some locations that

have approved on our forum at
www.chexvictims.net
There are some branches that are still not

using this policy so it might be a good idea to
call a branch local to you and ask about their
policy first before going in.
Some “in store” branches have signs that

actually says “Chexsystems? no
problem!”….yet others will not open accounts
at all. People are approved everyday.
Some branches do offer 2nd chance

checking and some have been able to open
business accounts when all debt to
reporting bank(s) are paid and fraud is not
indicated
Email From Bank

accounts
Locations
See web site
Name of Bank Peoples Bank
URL http://www.peoplescashsolutions.com/
Special Notes Although this is not a local account, Anyone can

get this account, NO ONE is turned down. It
does NOT matter where you live, you will be
approved.
this application must be mailed in

ONLY, it can not be faxed
Deposits must be mailed in
If you have been reported as “ fraud

or suspected fraud” you will be
denied
Email From Bank
Types of accounts offered Personal checking, second chance
Locations
See web site
Name of Bank WoodForest Bank
URL http://woodforest.com
Form of Verification used by bank Chexsystems and telecheck
Special Notes You must apply in person and they are

very friendly to those reported to
chexsystems
2nd Chance account is $7.95 if you

have direct deposit$9.95 if you do not.
$25.00 one time debit card processing
fee
However, in 6 months or less, the

branch determines if you can move to a
regular account or open a savings in
addition to the second chance account,
regular accounts, you can open
immediately!(complimentary
overdraft) requiring no credit will kick
in after 30 days. It is $500 for direct
deposit or $300 without it.
All deposits are available

immediately
ALSO! Phone and Online banking are
immediate overnight and they're open 7
days! They are VERY friendly and nice
to those reported to chexsystems.
Email From Bank Before you can open an account with Woodforest
National Bank we do run Telecheck and
Chexsystems. If you have any unpaid closures
reported by a merchant or another financial
institution on either one of these reports you will
only qualify for our Second Chance Checking
account. You will be able to open an account with
us as long as we are able to properly verify your
identity and you do not have an unpaid charged
off account with Woodforest National Bank.
Locations
See web site
Name of Bank FSNB

URL http://www.fsnb.com
Form of Verification used by bank Credit report and ID
Special Notes You DO NOT have to be military to get an

account
FSNB is now open to anyone regardless of being in their

location. Take advantage of this while you can. It may not
last.
** FSNB now uses a credit report and many people have

been turned down due to credit issues ** They do not use
chexsystems or telecheck …most people are still being
approved
FSNB charges $1 fee for not using one of their ATM's, plus
any 'foreign' ATMs. This account is best when used with
direct deposit. All deposits must be mailed in.
You have to call them and ask for new accounts, telling
them that you wish to open a new checking account ..an
application will be mailed out to you
Email From Bank
Locations
See web site
Name of Bank Farmers State Bank
URL http://www.myfsb.com
Form of Verification used by bank Chexsystems
Special Notes They do offer a second chance checking
Email From Bank 6-7-10 The Bank on Evansville Program we offer is

basically a free checking account with no
minimum daily balance. You may have checks
and a debit card with the account however it is
monitored for negative balances.
Locations
Marion, Harrisburg, Alton Pass
Name of Bank MainSource Bank
URL http://www.mainsourcebank.com/
Special Notes They do offer second chance checking with free

bill pay and it comes with a debit card.( see
email below for more)
Email From person that got an account I opened the fresh start account today
at MainSource Bank. She had it
opened within 5 minutes. Takes
$25.00 to open. You get an ATM card
for the first 90 days and then a debit
card there after. Must not be negative
for 1 year in order to convert to a free
account. You do get unlimited check
writing and no Overdraft Solutions
Courtesy Pay. It does have a $20.00
monthly fee until you convert over.
They use deluxe when ordering
checks. Its worth it for me because
there are 4 branches where I live and
very close to me.
Locations
See web site
Name of Bank Regions Bank
URL https://www.regions.com/
Form of Verification used by bank EWS
Special Notes It would seem that we have now

determined that Regions will
open accounts for those reported
to chexsystems but will close
them at a later time if you have
been reported to EWS. If you
have not been reported to EWS, it
looks as if the account will stay
opened.
It is best to apply for this account

in Person at a branch. It has been
reported that may run
chexsystems when applying
online.
Email From Bank

accounts
Locations
See web site
Name of Bank Archer Heights Credit Union
URL http://www.archerheights.com/
Special Notes
Any person who lives or
works in any of the following
zip codes is eligible to join
our credit union - 60632,
60638, 60629, 60652, 60501.
Email From Bank 2-5-10 WE TAKE A CREDIT REPORT. FOR ALL

ACCOUNTS We use a credit report
for identification purposes.
Locations
6554 W. Archer Avenue
Chicago, IL 60638-2439
Name of Bank South Central Bank
URL http://banksouthcentral.com/
Special Notes
Email From Bank 2-5-10 Yes, you must have a credit score of at least
620 to open an account here.

accounts
Locations
Chicago
Name of Bank Premier Credit Union
URL https://www.mycu.org
Special Notes If debt is paid to reporting bank and fraud is not

reported, they will open an account (see email
below)
Membership Information: Anyone that lives or works in the following

areas:
Schaumburg, Palatine, Streamwood, Hanover

Park, Elk Grove, Hoffman Estates, Northbrook,
Glenview, Deerfield, Highland Park, Wheeling,
Arlington Heights, and all other suburbs that
fall into the listed townships below.
The Chicago areas bounded by Devon Avenue

to the north, Lake Michigan to the east, the
DuPage-Cook County line to the west, and
North Avenue to the south.
Email From Bank 3-15-10 You can still open an account with us, you
would just have to wait 6 months to be issued
a debit card and courtesy pay on your
account. After 6 months we will rerun your
chexsystems and if nothing changes, you are
allowed to have a debit card and courtesy
pay.
Types of accounts offered Personal checking and savings accounts
Locations
580 N. First Bank Drive
Palatine, IL 60067-8110
1750 S. Roselle Road

Palatine, IL 60067-7336
1334 Shermer Rd.

Northbrook, IL 60062
22 W. Schaumburg Road
Schaumburg, IL 60194-3502
2602 W. Dempster Rm. 36

Park Ridge, IL 60068
They also participate in shared branching. To learn more about shared

branching go here
http://www.chexsystemsvictims.com/ChexSystems_Credit_Union.html
Name of Bank Glenview Credit Union
URL http://www.glenviewcu.org/
Special Notes
Membership Information: Anyone who lives or works in

Glenview, Northbrook, or Northfield
Township; as well as an immediate
family member of a Glenview Credit
Union member, is eligible for
membership. Membership begins
when a savings account of $50 is
opened.
Email From Bank 3-25-10 Providing you qualify under our

membership parameters, we require a
U.S. Government issued photo I.D.
such as a drivers license, state I.D.,
Passport. If you open a checking
account we do run Chexsystems.
However – because we offer credit
builder accounts --a Chexsystems
record may determine a specific limit
on a debit card, could require direct
deposit, but probably would not
exclude a person from getting a
checking account with us.
Locations
1631 Waukegan Rd, Glenview Il 60025
Name of Bank First National Bank of St. Louis
URL https://www.fnbstl.com
Special Notes
Fresh Start Information

https://www.fnbstl.com/pages/bankingDetail.aspx?tid=25%38%30
Email From Bank
Types of accounts offered Fresh start checking
Locations
See web site
Name of Bank First Merit Bank
URL http://www.firstmerit.com
Special Notes -HAS 2ND CHANCE CHECKING CALLED

FOUNDATIONS ACCOUNT
-CHEX MUST BE PAID , should not
show fraud for best results
-MUST GO INTO A BRANCH TO APPLY
- 9.00 A MONTH FEE
-THIS ACCOUNT CAN BE CONVERTED TO A
REGULAR ACCOUNT AT A LATER TIME
Email From Bank 6-25-10 There are certain criteria that

would need to be met when you
have been reported to chx-
systems. You can certainly speak
to someone on the platform area
at your local FirstMerit Branch.
Locations
See web site
Name of Bank Catholic and Community Credit Union
URL http://www.catholicandcommunitycu.com
Special Notes Community Credit Union has a "rebound"

checking option if you appear in the
chexsystems when they verify, so you will still
be able to open a checking and savings
accounts.
You have to maintain a $50.00 balance at all

times in the account for one year and there is
also a $5.00 monthly maintenance fee. This is
for 1 year, if the account is kept in good
standing for the year, it will be converted over
to any of the other checking accounts that the
credit union has to offer.
Membership Information: All residents of the St. Clair, Madison and

Monroe Counties
Email From person that got an account 4-15- I have opened both a checking and savings
10 and they have been GREAT to deal with.
Locations
Main Office Location:
1109 Hartman Lane
Shiloh, Illinois 62221
Branch Office Location:
6100 West Main St.
Belleville, Illinois 62223
Branch Office Location:

1900 Carlyle Avenue
Belleville, Illinois 62221
Name of Bank
URL
Form of Verification used by bank
Special Notes
Email From Bank
Types of accounts offered
Locations

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Illinois

Form of Verification used by bank chexsystems

Person that recently got an account: 5-19-09

• Direct Deposits totaling $100+

Otherwise $9.95 monthly feee

Email From Bank

Types of accounts offered Personal checking, savings and business

Form of Verification used by bank chexsystems

25.00 to open the account

-If you do not owe the reporting banks, you

Email From Bank

Types of accounts offered Second chance checking

Form of Verification used by bank chexsystems

Special Notes 6-7-10 Old National has a "New Start Account"

Email From Bank 6-7-10 Yes, we do offer a New Start

Types of accounts offered Personal checking and savings

Form of Verification used by bank 6-7-10 Proper ID

Special Notes -Has no web page...small bank. It has

Email From Bank

Types of accounts offered Personal savings, checking, and business

Form of Verification used by bank Telecheck

Membership Information: 1. You can become a USECU member if you live or

Name of Bank Central Federal Savings and Loan

Form of Verification used by bank Telecheck

Special Notes They do not use chexsystems, they do use

6940 W. Ogden Avenue

1921 E. 31st Street

Form of Verification used by bank chexsystems

Membership Information: We are a community credit union -

Types of accounts offered Savings only if reported to chexsystems

Form of Verification used by bank uses Telecheck and credit report

Membership Information: If someone lives or works in St.

We verify a credit bureau report

Types of accounts offered Personal checking and savings

East St. Louis Branch (Has Drive-Up

Name of Bank MidWest America Federal Credit UNion

Form of Verification used by bank telecheck

Membership Information: Live or work in Vermilion or Coles County

500 Lake Land Blvd

Name of Bank Chester National Bank

Form of Verification used by bank telecheck

Email From Bank 6-7-10 We use Telecheck

Northtown Shopping Ctr.

1010 North Main St.

Email From Bank 6-7-10 At Glenview State Bank, we utilize a credit

Form of Verification used by bank Credit report

Email From Bank 3-7-10 We use a credit report to verify a new

First State Bank, Plaza North

First State Bank, Bloomington

First State Bank, Peru

First State Bank, Ottawa

First State Bank, Streator

First State Bank, McNabb

First State Bank, LaMoille

Form of Verification used by bank Credit report

Membership Information: Persons who live or work in Scott,

1522 46th Ave

110 East 10th Ave

Form of Verification used by bank

Special Notes They do not use chexsystems

Membership Information: If you live or work in Boone, De Kalb, Ogle,

You can apply for a share draft (checking)