banks

In Oregon, Sterling Savings Bank Equifax in addition to ChexSystems when validating new applicants, and good credit might allow an applicant with a negative to slide on through.

Although Resource Conservation Federal Credit Union does use ChexSystems, they reportedly will accommodate those with negative incidents in their ChexSystems record as long as they can prove that any incidents have been paid. See our Credit Union tips for more information.

First Tech Credit Union in considers a credit report when determining whether or not to open a checking account. But if you are denied for checking, they offer a "cash only" savings account. With a savings account you can use services such as PayPal which use EFT (Electronic Funds Transfer) and ACH (Automated Clearing House) transactions. Deposits can include cash or business and payroll checks only, but they don't deny that type of account to anyone. Membership is limited to employees of certain companies, most of which are in the Seattle and Portland areas.