Wednesday, August 19, 2015

ALABAMA

Merchants Bank 

They do not use chexsystems, EWS or a credit report. They use Telecheck. 

First Southern State Bank

They do not use chexsystems, EWS, or Telecheck. Indicated no credit report is pulled. Proper ID is required. 

Avadian Credit Union

They offer a second chance account called E-Checking

Family Security Credit Union

They do offer second chance checking called Give Me A Break Checking

America's First Credit Union

They do not use Chexsystems, Telecheck, or EWS
A credit score from Equifax of 600 or more is required for a free checking
If your score is not 600, they will recommend the E-Z Debit Plus account

Alabama Central Credit Union

They use a credit report

Florence Federal Credit Union

They use a credit report

TVA Community Credit Union

Proper ID is required and an Equifax score of 600 or more

Central State Bank

They use an Equifax credit report. Your credit score needs to be at least 580 to open a checking acct and at least 540 to open a savings

Park Community Credit Union

They do not use Chexsystems, Telecheck, or EWS
They do run a credit report and a score of 575 or higher is required to open a regular checking. If not, they do offer a Fresh Start Checking that can be converted to a regular checking in 12 months. 

Alamerica Bank

They run a credit report and require 2 forms of ID

Ameris Bank

They do use Chexsystems but it has been reported that you can possibly open an account if there is no fraud reported and the bank has been paid. 

MAX Credit Union

They do not use Chexsystems or Telecheck
They do use Deluxe Detect which is a product of EWS 

Listerhill Credit Union

They run Telecheck and an Equifax Credit report. 
Anyone can open a savings

Valley State Bank

They use an Equifax credit report

Union State Bank

They use Total ID through Transunion