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It is possible to open a bank account with a negative chexsystems report. A couple of financial institutions do not use chexsystems. These account are often referred to as. Can i check to see if i am on. Second chance checking account by peoples cash solutions is an easy way to get back on track even if you’ve ever had any problems with chexsystems and other credit. When you look at the advantages and disadvantages of the options, it’s pretty clear which solution comes out on top. Choosing to set up a no chexsystems bank account with an included debit. Online banking is a great alternative in this. Learn about banks that offer second chance banking accounts without chexsystems, a reporting agency that collects information on consumers’ checking and. You may also want to seek out “second chance banks” through a google search. Depending on what range your credit score is in, you may qualify for a second chance banking.