Open a business account without a credit check
Plain write-ups on business bank accounts that do not run a personal credit pull — what they check instead, what they ask for, and where a new entity stands. Reasoning on the page, no scores attached.
What this site will cover
There are no articles here yet. This is the ground the site is being built on, listed so you can see whether it is worth coming back to.
Accounts that skip the credit pull
Which business accounts open on identity and entity documents alone.
What gets checked instead
ChexSystems, prior banking history, and what actually causes a decline.
Opening with a new EIN
What a brand-new entity can and cannot do at account opening.
Second-chance business banking
Where to go after a decline, and what those accounts cost in return.
Nothing is published yet. When the first write-ups go up, each counter above opens onto one.
How this site is written
Worth stating before there is anything to read, because it is what the writing will be held to.
No invented numbers
No scores, no star ratings, no tier boards. Where accounts are ordered, they are ordered in words with the reasoning shown.
Terms are quoted, not guessed
Fees and requirements change often. Anything stated here is taken from the provider and dated, or it is described in words rather than numbers.
Affiliate links are disclosed
Some links earn a commission. That never decides the order things appear in, and it is stated on every page it applies to.
How to use the write-ups
Take a ticket
Work out which check is actually blocking you — credit, ChexSystems, or entity age.
Read the requirements
Most declines come from a document problem, not a credit problem.
Approach the right counter
Different banks weigh the same history differently. Pick on that, not on branding.