4 Best Second-Chance Banks: Personal and Business Banking Options Without ChexSystems

Struggling with a ChexSystems record? If past banking issues are holding you back, don’t worry—there are second-chance real banks that offer guaranteed approval without checking your ChexSystems record.

8/7/20243 min read

second-chance bank accounts without ChexSystems check for guaranteed approval.
second-chance bank accounts without ChexSystems check for guaranteed approval.

Best Second-Chance Banks for Gig Workers and Freelancers: Personal and Business Banking Options Without ChexSystems

If you’re a gig worker or freelancer with a ChexSystems record, finding a bank that won’t turn you away can feel impossible. Thankfully, there are excellent second-chance banking options available that don’t check ChexSystems, ensuring guaranteed approval. For personal banking, mph.bank and Axos are top choices, while Novo, NorthOne, and Axos are the best business banking options for those looking for a workaround.

Top Personal Banks for Gig Workers and Freelancers

  1. mph.bank - Sign up here

    mph.bank is a top pick for those in ChexSystems, offering second-chance accounts specifically designed to help rebuild your financial standing. For gig workers and freelancers, mph.bank’s flexible solutions accommodate irregular income, making it easier to manage your money and access loans when needed.

  2. Axos Bank - Sign up here

    Axos Bank is another excellent choice for personal banking. With its no-fee checking accounts and user-friendly online platform, Axos Bank is perfect for gig workers who need reliable and accessible banking. Plus, Axos offers personal loans with competitive rates, ideal for managing unexpected expenses or investing in your freelance work.

Business Bank Loophole for Guaranteed Approval (No ChexSystems Check)

If you’re looking for a loophole that will allow banks not to check your ChexSystems record, Novo, NorthOne, and Axos are your best options. By signing up as a sole proprietor, you can bypass ChexSystems entirely and enjoy guaranteed approval. Here’s why these banks are perfect for gig workers and freelancers:

  1. Novo - Sign up here

    Novo is a fantastic choice for freelancers and small business owners who want a business account without the hassle of a ChexSystems check. With Novo, you can easily manage your business finances online, track your income, and even integrate with popular freelance tools like QuickBooks. Signing up as a sole proprietor is quick and guarantees approval.

  2. NorthOne - Sign up here

    NorthOne offers an intuitive banking experience tailored for gig workers and small businesses. Like Novo, NorthOne does not check ChexSystems, making it an excellent workaround for those with a negative record. Their robust online platform allows you to manage your business finances on the go, ensuring you’re always in control.

  3. Axos Bank (Business) - Sign up here

    Axos Bank also offers business banking services that do not involve a ChexSystems check when you sign up as a sole proprietor. With a variety of accounts and services, Axos is ideal for gig workers who need a reliable bank that understands the unique challenges of managing irregular income streams.

If you’ve been struggling to find a bank due to your ChexSystems record, these options provide a lifeline. By choosing Novo, NorthOne, or Axos for your business banking, you can enjoy guaranteed approval and avoid the stress of being denied based on past issues. These banks offer the tools you need to manage your finances effectively, whether you’re working a side hustle or running a full-time freelance business.

Sign Up Today

second-chance bank accounts without ChexSystems check for guaranteed approval.second-chance bank accounts without ChexSystems check for guaranteed approval.
second-chance bank accounts without ChexSystems check for guaranteed approval.second-chance bank accounts without ChexSystems check for guaranteed approval.
second-chance bank accounts without ChexSystems check for guaranteed approval.second-chance bank accounts without ChexSystems check for guaranteed approval.
second-chance bank accounts without ChexSystems check for guaranteed approval.second-chance bank accounts without ChexSystems check for guaranteed approval.
second-chance bank accounts without ChexSystems check for guaranteed approval.second-chance bank accounts without ChexSystems check for guaranteed approval.