There are a number of banks that do not Use Chexsystems. Some use Telecheck and others use just a credit report to verify. Then there are some that do use chexsystems but they will make exceptions or have second chance checking. Options depend on the state in which you live
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Are there banks that do not use the chexsystem or telecheck in new jersey or philadelphia?
Yes there is TCF and Fifth Third. I am sure there are others but these are the two that I use.
US Bank Right In Riverside and San Bern are offering second chance banking
I cannot find one myself.
80% of banks use ChexSystems, however, there are several in Florida that do not use ChexSystems or provide second chance banking. Military members may set up an account at Armed Forces Bank or USAA. Non-military members can choose from the following Florida banks: Bank of Pensacola, Keywest Bank, Marketplace Bank, Old Florida Bank, and Prosperity Bank.