yes there are some banks in Illinois that do not use chexsystems and there are also some that will give those on chexsystems a second chance.
Yes there are many banks in Illinois that do not use chexsystems. It really depends on where you live as to what options are best for you there.
Well
There are several banks and credit unions in Washington that do not use chexsystems. One of the more popular ones there is 1st Security Bank Of Washington.
There are some banks that will aloow this but generally no. Most banks will run all signers on an account and will not allow you to be added to an account if you have been reported to chexsystems, There are some banks that do not use chexsystems at all and others that offer second chance checking.
There are many banks that do not use chexsystems and there are some that offer second chance checking and make exceptions for those that have been reported to chexsystems.
ChexSystems are a company which offer a range of fund checking. It is similar to Experian. Many banks and credit companies use ChexSystems. It stops fraud.
Try Mutual Bank
There are many banks that do not use chexsystems and some that will make exceptions. related question for more information http://wiki.answers.com/Q/Are_there_any_banks_that_do_not_use_Telecheck_or_Chexsystems
In Washington State, many local and regional banks might not use ChexSystems, which is a consumer reporting agency that tracks banking activity. Institutions such as credit unions, smaller community banks, and online banks often have alternative screening methods or may not use ChexSystems at all. It's advisable to check directly with specific banks or credit unions to confirm their policies regarding ChexSystems. Additionally, some banks may offer second chance accounts for individuals with negative ChexSystems records.
Several of the banks in California do not use ChexSystems. San Mateo Credit Union, Golden One Credit Union and San Francisco Federal Credit Union. At some of these banks you will need to qualify to apply. You can check out more details at Chextalk online.
Most banking institutions will require that you are not in chexsystems in order to open a checking account. Chexsystems is what most banks use to see what kind of history you have with other banks (like if you owe money).