Non Chexsystems Banks and Credit Unions in Alabama

Woburn Municipal Federal Credit UnionAre you still looking for those banks or credit unions not using Chexsystems in AL? All of the financial institutions listed here can work with those with a poor history of credit or other suspicion of fraud. These non ChexSystems banks and credit unions in Alabama offer 2nd chance banking in Alabama without considering the Chexsystems report. 

Of course, it is not guaranteed that the list is 100% OK. But you are highly suggested call and verify the listing before your applying. Note that, some of these financial institutions may choose to check the consumer credit report.

Here is the list of credit unions and banks in Alabama that do not use any ChexSystems services and offer second chance checking accounts:

West Alabama Bank&Trust: Butler, Reform, Marion, Jasper, Carrollton, Ethelsville, Tuscaloosa,Fayette, Gordo, Livingston, Northport, Reform,  Woodstock, Aliceville, Millport, AL.

Mutual Savings Credit Union: Alexander City, Pelham, Clanton, Birmingham, Selma, Calera, AL.

Gulf Winds Federal Credit Union: Atmore, Brewton, AL

Woodforest BankAndalusia, Brewton, Enterprise, Greenville, Monroeville, Pensacola, Montgomery, Prattville, Daphne Lake Forest, Fairhope, Millbrook, Gulf Shores, Mobile, AL

Bank of the Ozarks: Mobile and Geneva, AL.

Alabama Telco Credit Union: Jefferson, Madison, Montgomery, Baldwin, Tuscaloosa, Calhoun, Coffee, Elmore, Shelby, St. Clair, Houston, Autauga, Mobile, Pike, Geneva or Talladega, AL.

Family Savings Credit Union: St. Scottsboro, St. Rainbow City and Gadsden, AL.

Family Security Credit UnionAlbertville, Athens, Gardendale, Pine Hill, Cullman, Thomasville, Mobile, Muscle Shoals, Decatur, Madison, Guntersville, Boaz, Hartselle, Moulton, Daphne, AL.

Compass Bank: Pelham Riverchase, Center Point, Eufaula, Montgomery, Auburn, Birmingham, Tuscaloosa, Fairfield, AL

Park Community Federal Credit Union: Decatur, AL.

Tuscaloosa VA Federal Credit Union: Northport,  Tuscaloosa and Livingston, AL


Azalea City Credit UnionMobile, Calvert, AL

The Alabama Credit Union: Tuscaloosa, Vance, AL

Other Good Banks and Credit Union in Alabama

Almerica Bank

  • Website:
  • Online Banking: Not Support

Compass Bank

Note: The bank will verify new accounts by using TeleCheck. But it can provide a kind of second-chance checking package.

  • Website:
  • Online Banking: Support
  • Branch Locations List: Center Point, Birmingham, Tuscaloosa, Montgomery, Auburn, Eufaula, Pelham Riverchase, Fairfield

Sterling Bank

  • Website:
  • Online Banking: Support
  • Branch Locations List: Montgomery AL, Prattville AL

Ualley State Bank

  • Website:
  • Online Banking: Support
  • Branch Locations List: Russellville, Red Bay,

Suntrust Bank(using Telecheck for new account verification)

  • Website:
  • Online Banking: Support

Alabama State Employees Credit Union

  • Website:
  • Online Banking: Support
  • Branch Locations List: Montgomery, Wetumpka, Millbrook,

Park Community Federal Credit Union

  • Website:
  • Online Banking: Support
  • Branch Locations List: Decatur, AL 35601

TVA Federal Credit Union

  • Website:
  • Online Banking: Support
  • Branch Locations List: Muscle Shoals, Florence, Sheffield, Killen, Athens,

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