3 BANKS THAT DONT USE CHEXSYSTEMS 1. BBVA Compass Easy Checking: BBVA Compass offers an Easy Checking account that does not use ChexSystems. This account requires a $25 minimum opening deposit and has a $13.95 monthly service fee, but it can be waived by receiving at least one direct deposit of $300 or more per month. 2. Woodforest National Bank Second Chance Checking: Woodforest National Bank offers a Second Chance Checking account for people who have been denied a traditional bank account due