cleveland,ohio

Your best bet in Ohio right now is still US bank ( see details below ) let me know if any of these help

Most US banks are giving accounts to most people on chexsystems. These are regular accounts ..not 2nd chance checking...as long as you do NOT owe them money and you are not reported on your chexsystems report for any kind of " fraudulent activity " you can get an account here. It is best not to apply online but to go into a branch local to you. There are some branches that are still not not using this policy so it might be a good idea to call a branch local to you and ask about their policy first before going in. Some US branches have signs that actually say chexsystems.. no problem ..yet others will not open accounts at all ...from what we have been told you need to go to a location that is an " in store " location not a regular branch ..the " in store locations only " are the one approving these accounts not regular branches

usbank.com

see web site for locations
-------------------------------------------------------------------------

FIRST FEDERAL SAVINGS and LOAN ASSOCIATION of DELTA

firstfeddelta.com

Email:
ALL OF OUR ACCOUNTS ARE WITH telecheck SYSTEM.
CAROL

Locations:
Main Office
404 Main Street
Delta, Ohio 43515

123 North Main Street
Swanton, Ohio 43558

3234 Holland-Sylvania Road
Toledo, Ohio 43615

30 South Third Street
Waterville, Ohio 43566

6910 Airport Highway
Holland, Ohio 43528

6600 Providence Street
Whitehouse, Ohio 43571
-------------------------------------------------------------------------


GREENVILLE NATIONAL BANK

greenvillenationalbank.com

- Do not use chexsystems
Email below:
They may pull a credit report for verification. Also, we require a current photo ID or two forms of non-photo identification at account opening for identifying and verifying the customer information.
Thank you,
Tonya K
Greenville National Bank
locations:

ANSONIA BRANCH
100 South Main
Ansonia, OH. 45303

ARCANUM BRANCH
2860 ALT. ST. RT. 49N
Arcanum, OH. 45304

BRADFORD BRANCH
Located inside Patty's IGA
106 East Main Street
Bradford, OH 45308

GETTYSBURG BRANCH
100 East Main St.
Gettysburg, OH. 45328

MAIN OFFICE
446 South Broadway
Greenville, OH. 45331

NORTHTOWN BRANCH
480 Wagner Ave.
Greenville, OH. 45331

SYCAMORE BRANCH
4th & Sycamore
Greenville, OH. 45331
----------------------------------------------------------------------



The Farmers State Bank

thefarmersstatebank.com

EMAIL:
We use credit reporting to verify our new checking and savings accounts.

locations:

101 S. Main St.
New Madison, Ohio

1107 Sweitzer St.
Ohio Greenville, Ohio

618 S. Washington St.
New Paris, Ohio

675 Wagner Ave.
Ohio Greenville, Ohio
--------------------------------------------------------------------------

THE EQUITABLE SAVINGS AND LOAN COMPANY

equitablesavings.com

- do not use chexsystems
EMAIL:
when I asked if they used chexsystems, telecheck or a credit report, here was the response.
You must reside in Harrison county or one of the surrounding counties in Ohio in order to open an account.
Sincerely,
James McMullen II,

Our normal geographic service area includes Belmont, Carroll, Guernsey, Harrison, Jefferson, and Tuscarawas Counties, Ohio. We are a community based financial institution and therefore, will not accept deposits nor generally retain deposits owned by persons not residing or located in our normal geographic service area.

location:
114 South Main Street
P.O. Box 267
Cadiz, Ohio 43907-0267
--------------------------------------------------------------------------


FIRSTDAY FINANCIAL

firstdayfinancial.org

The credit union uses Tele-check for authorization of new accounts. If they do not authorize an account we can only open a savings account for that member. Any further questions please call me at 937-222-4546 ext. 1111.
Sincerely
Don Weaver

Most school employees within the Greater Dayton Area, most students attending schools in Darke, Miami, Montgomery, and Preble counties, Local Artist Groups, FROC Neighborhoods, all relatives of current potential members and other local groups are eligible for membership. Membership may be established by simply opening a Share Account with a minimum $5 deposit

locations:
Huber Office
Waynetown Shopping Center
7687 Old Troy Pike
Huber Heights, OH 45424

Kingsridge Office
8963 Kingsridge Drive
Centerville OH 45458

Main Street Office
1030 North Main Street
Dayton OH 45405

Salem Office
5130 Salem Avenue
Trotwood OH 45426

Town & Country Office
Town & Country Shopping Center
Kettering OH 45429
--------------------------------------------------------------------------
DAY AIR CREDIT UNION

dayair.org

Email follows:
I have received your email requesting new account information. When we open a new account, we will pull your credit report and a Chex Systems report. If you are eligible to become a member, you will not be denied a share account. If you have recent activity on Chex Systems, then you may be denied a checking account until you become an established member. We base it on a case by case situation. If you have any further questions, please feel free to contact us at any time.
Angela Vance
Call Center Representative
937-643-2160

Membership in Day Air Credit Union is open to anyone who lives, works, worships, or attends school in Dayton or Southeast Montgomery County.

locations:
Main office
3501 Wilmington Pike, Kettering

University of Dayton office
Located in the Marianist Hall

VA Medical Center
Building 305, near the hospital

Day Air has joined the Shared Branching Network the network consists of over 2,000 locations
-------------------------------------------------------------------------

SHAREFAX CREDIT UNION INC.
sharefax.org

- do not use anything
Email below
Dear Mary,
We do not report to any check systems nor do we check with any. You would be able to get an account with us
Thank you for considering Sharefax.

Field of Membership List

Live, Work, Worship, or Attend School in the following:

Clermont County
Brown County
Warren County
Village of Amelia
Village of Bethel
Village of Evendale
Batavia Township
Deerfield Township
Union Township
City of Blue Ash
City of Mason
City of Reading

Locations
Sharefax Credit Union
1147 Old St Rt 74
Batavia, Ohio 45103

Sharefax Credit Union
10590 Reading Road
Cincinnati, Ohio 45241

Sharefax Credit Union
7443 Mason-Montgomery Rd
Mason, Ohio 45040

Sharefax Credit Union
5855 Cinema Drive
Milford, Ohio 45150
------------------------------------------------------------------------------

CHACO CREDIT UNION

chacocu.org

email:
We do verify with Chexsystems in order to open a checking account or give access to an ATM card. If you have any outstanding closures reporting, you would only be eligible for a savings account. There is no qualifying criteria to open a savings account, with the exception of being eligible through Butler, Hamilton, or Preble counties. We also pull credit on all new members,however, that does not affect your account abilities. If you have any further questions or concerns, please contact our Membership Service call center at 513-785-3500. Thank you and we look forward to having you join our credit union family. Have a great day!
Tricia Blevins


locations
Hamilton Downtown & Administrative Center
100 South Third Street
Hamilton, OH 45011

Hamilton West
601 Park Avenue
Hamilton, OH 45013

Fairfield Village Green
950 Deis Drive
Fairfield, OH 45014

West Chester
7967 Cincinnati-Dayton Rd.
West Chester, OH 45069

Oxford
5720 College Corner Pike
Oxford, OH 45056

Forest Park
1143 Smiley Avenue
Cincinnati, OH 45240
---------------------------------------------------------------------------

Telhio CREDIT UNION

telhio.org
EMAIL:
We do pull a fraud advisor which will pull your credit report. We have
several ways to qualify you for membership. What is the city in which
you live, work, and or worship?
Thank you,
Megan Sargent
Assistant Manager Sales and Service Center
Telhio Credit Union

locations
WEST - NOW OPEN
3580 Fishinger Blvd, Hilliard, OH 43026

NORTHLAND PARK Coming Soon
1681 Morse Road, Columbus, OH 43229

DOWNTOWN
96 North Fourth Street, Columbus, OH 43215

EAST
201 Outerbelt Street, Columbus, OH 43213

NORTH
54 West Wilson Bridge Road, Worthington, OH 43085
-------------------------------------------------------------------------





PARK NATIONAL BANK

parknationalbank.com

-USE CHEXSYSTEMS ..BUT I ASKED IF I COULD GET AN ACCOUNT IF IT WAS PAID,,HERE WAS THE REPLY..
EMAIL:
Yes
Matthews J McKenzie

locations in Newark, Columbus, Delaware, Gahannah, Granville, Hebron, Johnstown, Kirkersville, Utica, Heath, Pataskala, Worthington,and Reynoldsburg
------------------------------------------------------------------------
CHAMPION CREDIT UNION

championcu.org

-USES CHEXSYSTEMS
EMAIL:
For the most part, even if you are listed on chexsystems, you can open a savings account with us. Please bring any proof you have that the account listed on chexsystems is paid. For accounts reported to chexsystems, we review the accounts on a case by case basis looking at factors such as the date which the account was closed and the reason. If we are unable to open a checking account for you right away, with positive account history and a good relationship with the credit union, you may be able to open one down the road. If you have any questions, feel free to contact us.

MEMBERSHIP REQUIREMENTS
Membership eligibility to Champion Credit Union is open to those who live, work, worship, or attend school in Lucas County.

locations:
Main/West Toledo
4140 W.Laskey Rd.
Toledo, OH 43623

South Toledo Office
1347 S. Detroit Ave
Toledo, OH 43614

Sylvania Office
7525 Sylvania Ave
Sylvania, OH 43560
-----------------------------------------------------------------------


KEY BANK

Thank you for contacting Key. We appreciate your interest in the
accounts we offer. We are happy to help you.

We do offer an account for clients who have been reported to
ChexSystems
and are looking for a way to rebuild their credit history, which is the
Key Checkless Access account. Direct deposit is required to have this
type of account. The features of this account are:

1. No monthly maintenance service charge fee and no minimum balance
requirement
2. Free, unlimited use of KeyBank's nationwide ATM network to make
withdrawals of up to $1,000 per day
3. No fee for using your ATM card on purchases when using a PIN
(personal identification number)
4. Free Online Banking allows you to check your balance, review
transactions, and more
5. Free Key Bill Pay makes paying bills online or over the phone simple
and convenient
6. Convenient 24-hour account access through automated telephone
banking at 1-800-KEY2YOU???? (1-800-539-2968)

You can obtain additional information about the Key Checkless Access
account on our website at key.com/html/LP-LMI.html.

If you would like to apply for the Key Checkless Access account, please
respond to this message with a telephone number and the best time to
reach you.

If you should need any additional assistance, please feel free to send
us another message or call us at 1-800-KEY2YOU (1-800-539-2968). We
are
available Monday - Friday from 7 a.m. to 9 p.m., Saturday and Sunday
from 8 a.m. to 6 p.m., local time. To access your account information,
you may use our telephone automated system. This service is available
24 hours a day, seven days a week by dialing the number indicated
above.

Sincerely,
Tricia
KeyBank

see web site for locations
--------------------------------------------------------------------



CENTURY BANK AND TRUST


centurybankandtrust.com

EMAIL:
As long as you have documentation from the financial institution stating the matter has been cleared, yes, we can open a checking account. We would be able to open a savings account in lieu of that. The savings account would have to be in good standing for several months before you would be able to open a checking account.
Please let me know if you have any additional questions.
Karen

SEE WEB SITE FOR LOCATIONS AND HOURS
----------------------------------------------------------------

UNIVERSAL 1 CREDIT UNION

universal1cu.org
EMAIL:
As long as it is for NSF only and is listed as paid and no more than two NSF????????s, you could possibly get an account with Universal 1 Credit Union. The savings and checking accounts and ATM/Debit Cards would have limitations on withdrawals for a year and the checking account would be our Freedom Express that has a monthly fee of $10.00.

We need 2 forms of identification, a valid driver????????s license or state ID, and then either a credit card, work id, utility bill with your name on it, etc. If your social security number is not on your driver????????s license, we need to see that card also. I hope this answers your questions and if you need further information, please let me know.
Sincerely,
Brenda Drake
Personal Account
Universal 1 Credit Union

The membership of Universal 1 Credit Union consists of employees of our select employer groups, and any person who lives, works, worships or attends school in one of the following community groups: Dayton, Centerville, Oakwood, Moraine, West Carrollton, Miamisburg, Riverside, Kettering, Huber Heights, Trotwood, New Lebanon, Germantown, Clayton, Farmersville, Englewood, Vandalia, Union, Miami Township, Washington Township, as well as Warren, Clark, Greene, Guernsey, Highland, Licking, Pickaway, Ross, Butler, Miami and Shelby Counties in Ohio. Immediate family members of current members are also eligible to join Universal 1 Credit Union.

You can apply at any of our locations. You can also get the application online at universal1cu.org, fill it out, provide copies of identifications and mail it to the credit union at number 1 River Park Dr., Dayton Ohio, 45409. You choose what works best for you.

locations:
Main Office
Number One River Park Drive
P.O. Box 467
Dayton, Ohio 45409

Beavercreek
2450 Esquire Drive
Beavercreek, Ohio 45431

Chillicothe
142 Consumer Center Drive
Chillicothe, Ohio 45601

Circleville
Watt Plaza
1220 North Court Street
Circleville, Ohio 43113

Dayton Mall
2700 Miamisburg-Centerville Road
Dayton, Ohio 45459

Hillsboro
934 West Main Street, Suite 5
Hillsboro, Ohio 45133

Huber Heights
2933 Harshman Road
Dayton, Ohio 45424

Miami Valley Hospital
1 Wyoming Street
Dayton, Ohio 45409

Newark
Newark Commerce Center
195 Union Street, Suite B
Newark, Ohio 43055

Sidney
2310 Industrial Drive
Sidney, Ohio 45365

Springfield
Park Centre
1137 North Bechtle Ave.
Springfield, Ohio 45504

Sugarcreek
Sugarcreek Plaza
6022 Wilmington Pike
Dayton, Ohio 45459
------------------------------------------------------------

OHIO UNIVERSITY CREDIT UNION
oucu.org

EMAIL:
We use a credit report to verify.
Susie

You can get a membership application for Friends of the Library by going to our website at oucu.org, clicking on "how to join", then "membership groups", then "Ohio University Friends of the Libraries". There is a form you can print and mail with a $30.00 donation. After you have joined Friends of the Libraries you can complete an online Credit Union membership application and we will mail it to you for your signature, or you can stop by any of our offices to open an account. If you have any questions please let me know.
Thank you,
Susie Bise
Electronic Services
Ohio University Credit Union

No, they are not part of "shared branching".....although their ATMs are part of the "Alliance One" Network which can be found nationwide, generally at credit unions...this means you can make instantly credited deposits, low or no-fee transactions, etc....so its almost as good as being part of the shared branching......


Mailing Address
P.O. Box 476
Athens, OH 45701

Office Addresses
90 S. Shafer Street & 944 E. State St.
Athens, OH 45701
----------------------------------------------------------------

FIRST MERIT BANK

firstmerit.com
-HAS 2ND CHANCE CHECKING CALLED FOUNDATIONS ACCOUNT
-CHEX MUST BE PAID
-MUST GO INTO A BRANCH TO APPLY
- 9.00 A MONTH FEE
-THIS ACCOUNT CAN BE CONVERTED TO A REGULAR ACCOUNT AT A LATER TIME

National City is lowering their standards (a little). My husband and I both opened accounts here and are currently on chex for about $1200. We also have acounts at US Bank which I love because its in Ohio and on the west coast.

Mt husband works for National City and due to chexsystems they still won't give him an account so I guess you got real lucky.