A note to our readers: The only way we can post non chexsystems banks in Kentucky is via your experience and communication with us. Whether you've had a positive or negative experience with a bank in Kentucky, write us and we'll post your advice here. We need your input!

In Kentucky, Provident Bank has eight branch locations. We've heard from a reader that they have a branch location in Ohio that doesn't use ChexSystems verification. Readers need to try these locations and fire us the results - good or bad.

The Chexsystems Guy states that River City Bank evidently uses a credit report rather than ChexSystems when verifying new accounts. Call their Louisville branch at (502) 454-7900 for the branch location nearest you, or search their website.

We heard it through the grapevine that Fifth Third Bank (how's that for a bank name?) doesn't verify with ChexSystems for new accounts in a different state. We need confirmation that the branch locations in Kentucky also do not verify with ChexSystems from our readers. A word to the wise: this bank has closed active accounts in good standing based on ChexSystems info. Thank you assholes!

Owensboro National Bank will open a Savings-Only account for those who have negatives in their ChexSystems record. Nice folks, right? With a savings account you can use services such as PayPal, which uses EFT (Electronic Funds Transfer) and ACH (Automated Clearing House) transactions.

National City Bank does indeed use ChexSystems verification, but is said to negociate with folks who have a negative ChexSystems record.

For all you gungho types, the Armed Forces Bank which serves military and civilian customers, appears to be willing to accomodate some folks with a negative ChexSystems record. Branch locations can be found at Fort Knox and also out-of-state.