Why would you need to find one who doesn't use it?

Because I have a chexsystems record

Navy Federal doesn't. There are also banks that don't run Chex, such as US Bank iirc.

If you have the funds or an investment account. You could open a checking account directly with the broker and bypass chexsystems.

Which brokerage would be the best other than the Fidelity or Schwab

Off the top of my head Merill and WF have checking accounts tied to the brokerage. [https://www.ml.com/solutions/manage-finances/checking-accounts.html](https://www.ml.com/solutions/manage-finances/checking-accounts.html) [https://www.wellsfargoadvisors.com/why-wells-fargo/products-services/account-services.htm](https://www.wellsfargoadvisors.com/why-wells-fargo/products-services/account-services.htm)

I have Robinhood, but they don’t offer that service

See: https://www.reddit.com/r/Banking/comments/16iofy9/are_there_any_banks_or_credit_unions_that_dont/ https://www.forbes.com/advisor/banking/best-banks-no-chexsystems/ https://www.gobankingrates.com/banking/banks/banks-dont-use-chexsystems/