Citizens National Bank
When it comes to banking, ChexSystems can be a real thorn in your side. This consumer reporting agency keeps track of your banking history and can report negative information to banks and credit unions. If you've had trouble with overdrafts or unpaid fees in the past, ChexSystems could prevent you from opening a new account at a traditional bank. However, not all banks in Mississippi use ChexSystems to screen potential customers. Here are some options to consider.
Citizens National Bank
Citizens National Bank is a community bank that has been serving customers in Mississippi for over 100 years. They offer a variety of personal and business banking services, including checking and savings accounts, loans, and credit cards. Best of all, they don't use ChexSystems to screen new customers. This means that even if you've had trouble with another bank in the past, you can still open an account at Citizens National Bank.
The First National Bank of Hughes Springs
Although it's based in Texas, The First National Bank of Hughes Springs has branches in several states, including Mississippi. They offer a "Fresh Start" checking account designed specifically for customers who have been rejected by other banks. With Fresh Start, you'll have access to online banking and bill pay, a debit card, and other features. There's a $10 monthly fee for the account, but it can be waived if you maintain a minimum balance of $1,000.
Keesler Federal Credit Union
If you're eligible for membership, Keesler Federal Credit Union could be a good option for your banking needs. Unlike many banks, they don't use ChexSystems to screen potential members. Membership is open to those who live, work, attend school, or worship in certain areas of Mississippi or have a family member who is already a member. Keesler Federal Credit Union offers checking and savings accounts, loans, credit cards, and other services.
United Mississippi Bank
United Mississippi Bank is a community bank that has been serving customers in southwest Mississippi for over a century. They offer personal and business banking services, including checking and savings accounts, loans, and more. Although they do use ChexSystems, they may be willing to work with customers who have had trouble with other banks in the past. If you're interested in opening an account with United Mississippi Bank, it's worth contacting them to discuss your options.
Keep in mind that even if a bank doesn't use ChexSystems, they may still run a credit check or perform a background check before opening an account for you. It's a good idea to research your options and compare fees and features before choosing a bank. By doing your homework, you can find a banking partner that meets your needs and helps you achieve your financial goals.
Citizens National Bank
P.O. Box 674
Meridian, MS 39302
Phone: (601) 693-1331
www.yourcnb.com
The First National Bank of Hughes Springs
114 1st Street
Liberty, MS 39645
Phone: (601) 657-8571
www.fnbofhughessprings.com
Keesler Federal Credit Union
361 Hwy 51
Ridgeland, MS 39157
Phone: (888) 533-7537
www.kfcu.org
United Mississippi Bank
P.O. Box 250
Natchez, MS 39121
Phone: (601) 445-7000
www.unitedmsbk.com
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