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Alabama Second Chance Checking Accounts

  • Banking

Alabama second chance checking accounts offer people with ChexSystems or EWS records an opportunity to re-establish a banking history.

According to The Center for Enterprise Development, the state of Alabama has one of the highest percentages of unbanked individuals in the nation. Get back into traditional banking.

You don’t have to be unbanked in Alabama.

Alabama second chance checking accounts

Chime Spending Account – Free overdraft up to $200

Chime will spot you up to $200 on debit card purchases with no overdraft fees. Eligibility requirements apply.¹ Chime’s Spending Account is similar to a traditional checking account but without check writing.

Banking is easy with Chime where customers can transfer money, send and deposit checks and pay bills with no monthly fees and no overdraft fees.

Open the optional savings account and Chime will round up your Visa Debit Card transactions to the nearest dollar and transfer it to your savings account.

Chime Spending Account Features

  • Get your direct deposit up to 2 days early.
  • Chime Visa® Debit Card.
  • Access cash at 60,000+ fee-free ATMs.
  • An optional savings account earns 0.50% (APY).
  • Leniency for people with previous checking account problems.

Alabama Credit Union

Open the “Fix-It Checking” account. There is no monthly service fee but there is a required $200 opening deposit. Account features are a Visa debit card, Free Online & Mobile Banking and Free Electronic Bill-Pay.

Avadian Credit Union

The “e-Checking” account is designed to help build financial stability. You have access to your money through a Visa debit card, free online and mobile banking. There is no minimum balance to maintain the account but there is a monthly service fee.

Central State Bank

Central State Bank offers many different checking products and they have a Free Checking Account with a minimum $100 opening deposit. No monthly service charge, free logo checks and free ATM/Debit card.

Community Bank & Trust

Community Bank & Trust offers a checking account called “Second Slice.” The minimum required to open the Second Slice account is $100. You get unlimited check writing, ATM Card, access to mobile banking apps, e-statements and direct deposit is available.

Family Security Credit Union

Family Security Credit Union offers a “Give Me A Break Checking Account” designed to help members with prior checking account problems re-establish their checking account history. Members with a Give Me a Break Checking Account can apply for a regular checking account after 12 months in good standing. There is a $10 per month service fee.

First National Bank

First National Bank offers a Credit Builder Account for customers with direct deposit. If qualified it comes with a free MasterCard debit card, free online banking with bill pay and semi-annual credit counseling. There is no minimum opening deposit required.

Guardian Credit Union

Guardian Credit Union offers a Fresh Start Checking Account to give you the opportunity to correct your mistakes, focus on rebuilding credit, and work on better financial management. You can request to convert your account to Guardian’s Traditional Free Checking account after 12 months of positive account activity. No checks will be issued on this account.

Merchants Bank

Merchant Bank has several different checking accounts including a “Positively FREE” Checking Account with NO Monthly Service Charge; FREE Internet Banking; FREE Bill Pay (Limit 12 Per Month); FREE ATM; and FREE Standard Checks for 1 year.

Renasant Bank

Renasant Bank offers a wide variety of personal checking accounts, they do not use ChexSystems. All checking accounts come with Free Internet Banking; Free Online Bill Pay; Mobile Banking; and Debit Card with no monthly usage charge. If you are looking for a Birmingham, Alabama No-ChexSystems bank this checking account may be a good fit for you. Renasant Bank also has locations in MS, TN, GA, and FL.

Sterling Bank

Sterling Bank has an Access Checking account with a $10 monthly service fee. It requires a $100 minimum deposit to open. Maintain a $1,000 average daily balance or have $500 in Direct Deposits to avoid the $10 monthly service fee.

Tuscaloosa VA Federal Credit Union

The TVAFCU Checking account gives you a wide array of valuable features and benefits. The “Step-N-2-Checking” account offers a fresh start if you are looking for a No-ChexSystems bank in Tuscaloosa, Alabama. There is no monthly service fee and no minimum balance required. Get a debit card and unlimited check writing.

United Bank

United Bank offers the “Gateway Checking Account” designed for customers with LOW or NO credit or who have had issues managing their accounts a second chance to qualify for a checking account. With proper account management you may be able to upgrade the account in 6 months. The Gateway Checking account features online bill pay for $4.95, mobile check deposit for $2 per deposit, telephone banking 24/7, itemized statements and e-statements, a monthly service fee of $10 and a variety of check options.

West Alabama Bank

The Fresh Start Checking is for customers who have been denied opening a traditional checking account. The minimum opening deposit is $100. There is a $10 monthly service charge. The account features Internet Banking & Bill Pay, E-statements and Mobile Money.*


Woodforest offers a “Second Chance” account. The minimum opening deposit is $25.00. There is a monthly service charge which breaks down as follows: $7.95 with direct deposit; $9.95 without direct deposit; and a $9.00 one-time account set up fee.

Final thoughts

It’s estimated the unbanked can pay from 1 to 10% of salary for check-cashing services, money orders and other alternative financial services.

Whether you choose a bank or credit union, Alabama residents have several choices for banks in Alabama that don’t use ChexSystems. Take the time to build a solid banking relationship that will help you grow your money while maintaining a safe place to conduct daily expense transactions.

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