Arizona Non Chexsystems Banks Offering Checking Accounts

0 votes
For those seeking to find a checking account with a bank that is non chexsystems in Arizona, then you may have a hard time. However, dont be discouraged because there are banks and credit unions that offer both second chance and fresh start checking programs for those with a bad history with the chexsystems. See my answers below for a list of these banks and please provide a answer of any banks or credit unions in Arizona not yet listed.

I also have a list of 2nd chance banks nationwide that is located here: http://infoaviator.org/finance/checking-accounts/2014/05/28/how-to-open-a-second-chance-checking/

Thanks to those providing answers and I hope this information helps those in need of a new checking account. Good luck!
asked Aug 30, 2014 in Personal Finance by tomvargo706 (5,290 points)
edited Aug 30, 2014 by tomvargo706
    

6 Answers

0 votes
If your unable to open a checking account because of a terrible chexsystems report, TFCU, is willing to give you that second chance with the benefits of a regular chhecking account regardless of your past credit issues. These 2nd chance accounts for Arizona residents have no minimum balance requirements, Online banking with bill pay at no charge, Online statements that are free, there is no charge to get a Visa Instachek Debit Card, and direct deposit is available.
 
Once a checking account holder has 12 months of successfull account maintenance with their Arizona second chance checking account, they will be upgraded automatically to a regular checking along with a possibility of recieving a $500 Visa Platinum credit card at TFCU. 
 
To qualify for this program the applicant must be at least 18 years of age and
no past history of committing fraud or balances owing on their ChexSystems report.
 
TFCU branches offering 2nd chance bank accounts:
 
3801 E. Speedway Blvd
Tucson, AZ 85716
800-303-8328
 
1740 W. Speedway Blvd.
Tucson, AZ 85745
800-303-8328
 
8145 E. 22nd St.
Tucson, AZ 85710
800-303-8328
 
3755 S. Mission Rd
Tucson, AZ 85713
800-303-8328
 
7216 N. Oracle Rd
Tucson, AZ 85704
800-303-8328
 
12100 N. Thornydale Rd.
Marana, AZ 85653
800-303-8328
 
15950 S. Rancho Sahuarita Blvd.
Sahuarita, AZ 85629
800-303-8328
 
More information on their fresh start checking program can also be found on their website at http://www.tucsonfcu.com/home/personal/checking/second_chance_checking
answered Aug 30, 2014 by tomvargo706 (5,290 points)
0 votes
First American Credit Union with branchs located in Arizona offers second chance checking accounts
that will allow you to repair your checking history. The account has no minimum balance requirement, and 50 dollars to open the account. There is free Online Banking with Bill Pay, plus free mobile and text banking,  a free debit card that can be used at Atms nationwide, and they have free e-statements.
 
There is a $10 monthly service charge, $50 minimum balance to open the account and a $5 monthly fee to receive statements by mail.
 
Here is a list of branches in Arizona offering these 2nd chance bank accounts:
 
Highway 264, Route 12
Window Rock , AZ 86515
Toll Free: (800) 759-9442
Phone: (928) 871-4772
 
1001 North Pinal Ave
Casa Grande, AZ 85122-3906
Toll Free: (800) 759-9442
Phone: (520) 836-8848
 
 
answered Aug 30, 2014 by tomvargo706 (5,290 points)
0 votes

Pine Valley Finance also offers second chance checking accounts with restrictions.

Below is their branch locations:

332 SW Chandler Ave.
Phoenix, AZ 85032
Phone (480) 773-2182
 
#212-4473 Avalon Blvd 
Scottsdale, AZ 85259
Phone (480)-121-5532
 
882 SE University Way
Tempe, AZ 85281
Phone (480)-838-7733
 
See their website at http://pinevalleyfinance.com/about-second.php for additional information on their 2nd chance banking program.

 

answered Aug 30, 2014 by tomvargo706 (5,290 points)
0 votes

Canyon State Credit Union with branches located at:

1270 North Dysart Rd in Goodyear, AZ 85395 - Phone: 623.580.6000

514 S. Beeline Hwy Payson, AZ 85541 - Phone: 928.472.8995

3440 W. Deer Valley Rd Phoenix, AZ 85027 - Phone: 623.580.6000

1558 West Jackson St Phoenix, AZ 85007 - - Phone: 623.580.6000 

2440 W. Osborn Rd Phoenix, AZ 85015 - Phone: 623.580.6000

offers second chance checking accounts to Arizona residents for those that hahave a record on Chex Systems due to an NSF activity or unpaid closure.

They will want the applicant to complete a online course called CheckRight (a personal finance course) through their partnership with GreenPath Debt Solutions. Once completed they will open you a checking account with access to debit card. 
 
Their is a monthly maintenance fee of $10.00 if your account is in good standing for twelve months. them they will convert the account to a regular checking.
 
More information on this program can be found on their website at https://www.canyonstatecu.org/Spend/Checking.aspx#second-chance-checking
 
answered Aug 30, 2014 by tomvargo706 (5,290 points)
0 votes
Marisol Federal Credit Union offers second chance banking for members that have chexsystems issues. The monthly service fee of $10 monthly and the account comes with Free Online Banking, Free Visa Card, Unlimited Withdrawals, Free Online Bill Pay and No Minimum Opening Balance Requirement.
 
Branch Location:
 
721 N 3rd St, Phoenix, AZ 85004
 
 
 
 
 
answered Aug 30, 2014 by tomvargo706 (5,290 points)
0 votes
Banner Federal Credit Union offers a Opportunity Checking for members that had a poor checking history in the past. There is a $5.00 per month fee plus a one time set-up fee of $20.00
and comes with features that include the following:
 
•    FREE Identity Theft Protection Service from ID Protect
•    FREE ATM's
•    FREE Overdraft Protection 
•    FREE Cash Back Rewards
 
See their website at http://www.bannerfcu.org/checking.htm for Arizona branch loactions and more details.
answered Aug 30, 2014 by tomvargo706 (5,290 points)





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