Category Archives: Banks in South Carolina that do not use Chexsystems
Second Chance Bank in South Carolina.
A few banks in South Carolina offer Second Chance Banking Programs, which means that (if you qualify) the bank will open a conditional checking account for you even if you’re on ChexSystems. Banks have different names for these banking programs such as Opportunity Checking or Fresh Start Checking. To open a checking account through one of these special bank programs, you usually have to apply in person and, in many cases, the bank requires that you take a class on how to balance your checking account and avoid overdrawing your account. Second chance banking programs almost always have a monthly fee.
Alternatively, you can open a new bank account online with a bank that does not use ChexSystems, or do a credit check.
- CIT Bank – CIT Bank’s Premier High Yield Savings Account allows you to build your savings at one of the highest interest rates available in the industry. Enjoy ultimate online banking convenience by managing your account from your smartphone or computer. This account does have balance tiers to determine the APY you earn, with the lower balance tier earns at a higher APY, while the upper balance tier still earns well above the national average. CIT Bank compounds interest daily to further maximize your earnings. Plus, there are no account opening or maintenance fees to worry about. Your money gets to grow without being disturbed by pesky fees. A $100 opening deposit is required to open an account.
- BBVA Compass Bank – Open an online checking account with the new ClearConnect checking account. The BBVA Compass ClearConnect Checking Account is a free checking account and offers customers the chance to open an online checking account for only $25. Enjoy no monthly service charges, free online and mobile banking, bill pay and online statements. The ClearConnect Checking Account has no ATM fees at any BBVA Compass or Allpoint® ATM. You’ll also receive a BBVA Compass Visa® Debit Card you can personalize with you favorite photo.
- Discover Bank – Open a Discover Bank savings account online instantly and earn a rate 5x the National Savings Average with a low opening deposit and access to your cash anytime. Discover Bank also offers its customer the opportunity to open a checking account. You have to have either a Discover Savings account or credit card to open a Discover Bank checking account.
The banks on Checking Help’s List of Second Chance Banks in South Carolina do not use ChexSystems or check your credit history. Most have short, online applications and do not require an opening deposit, as many other banks require. Consequently, you can open a checking account online and get an instant account number to set up direct deposit. Or you can mail in the opening deposit or, sometimes, use a credit card or prepaid card.
Second Chance Banks in South Carolina
Anderson Brothers Bank also offers South Carolina residents a second chance, Envision Checking account. This account type requires a $25 minimum initial deposit and direct deposit enrollment. But it gives account holders access to branches throughout South Carolina, including locations in Florence, Myrtle Beach, and Georgetown, South Carolina.
Second Chance Banks in South Carolina with a free Second Chance Checking account
If you don’t have the money to pay off your old, overdrawn bank accounts, even banks specifically offering second chance checking might not let you open a bank account.Your ChexSystem record stays on file for five years unless the information ChexSystem’s has is inaccurate and you file a dispute. Even if you pay off your old bank account, you still have to make sure the bank sends a letter to ChexSystems requesting the removal of any negative information. No Chexsystems banks. How do I get a checking account if i am on chexsystems?
Applying for a Bank Account with Bad Credit Second Chance Banking in South Carolina
Bad Credit Banks with No Credit Check Checking Account
When you apply for a new bank account, some banks will also check your complete credit report and score. The credit check itself typically isn’t the reason you were denied a checking account. Banks tend to deny you a bank account, not because you have unpaid credit cards or a bad credit score, but because you bounced checks in the past or still have a negative balance with a previous checking account.
bad credit banks and banks with no credit check
To prevent terrorism and fraud, all banks are required by law to verify your identity in the form of a “soft pull” of your credit report. This means they only access your credit report to check that your name and address match up with your social security number. This is how the bank obtains the information that makes up the random identity confirmation questions during the process of applying for a checking account. A soft pull of your credit report won’t lower your credit score, and the bank can’t see detailed information about late car payments or bills in collection.
second chance banks in South Carolina
Banks requiring that your checking account is enrolled in overdraft protection in the form of a bank-issued line of credit, will require that you don’t have bad credit. The bank will conduct a “hard pull” of your credit report, meaning that the credit check itself will lower your credit score by 2 points. Our list of recommended Banks in South Carolina do not use Chexsystems or check your credit history. South Carolina banks that have a second chance bank account
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