Opening A Bank Account With No Credit Check

People with bad credit may want to look into opening a bank account with no credit check. These accounts are available to individuals with bad credit and do not use the traditional ChexSystem as a way to verify the creditworthiness of the account holder. These accounts can be found online and are offered by a variety of bank and other financial institutions.

The process for opening bank account with no credit check is similar to the process for opening any type of account with a bank. The only different to this process is first locating an institution that accepts bad credit customers and does not use the ChexSystem to open the account. These bank and financial institutions can be found online.

Following these steps should assist you in opening an account and not having to worry about being rejected based on your prior credit history. This is an easy process to complete and should be able to be done in under 10 minutes total.

Step 1: Search Online for non-ChexSystems Banks

You will have to perform an online search in order to find banks and financial institutions that are non-ChexSystems banks. These institutions provide checking accounts for customers with bad credit.  

You will need to do a more in-depth search on the bank or institution that you select to verify that it is a reputable bank. You can search the institution online for any information about it reputation, complaints or any regulatory issues.

Step 2: Complete Account Paperwork

Once you select a bank, you should fill out all of the necessary account paperwork that is needed to open the account. Since this is done online, the process of competing the application should be quick and easy. Be prepared to provide any additional documentation or identification relative to the account opening.

Step 3: Make a Deposit into the Account

You will need to deposit money into the account in order to fund it. This can be done electronically or by mailing a check or bank draft to the institution. The bank should have an ATM access debit or check card in order to make additional deposits into the account.


Being able to open an account without a credit check is easy to accomplish with the use of your web browser and a search of banks that are available for people with bad credit. Doing your due diligence on the bank and determining its legitimacy helps you establish the account and a banking relationship.