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Alaska Second Chance Banks That Can Be Opened Online

Discover Alaska second chance banks. Find checking accounts with easy approval and no-ChexSystems even if you have past banking issues.
alaska-second-chance-checking

If you’ve struggled to get a checking account because of a bad ChexSystems report or poor credit, you still have options. About 2.2% of Alaska households have no bank account according to an FDIC Survey, and with 85% of banks using ChexSystems screening, approval can be tough if you’re on their list. Early Warning Services can also be a significant barrier to opening a bank account.

The good news: many banks and credit unions in Alaska either don’t use ChexSystems, or offer second chance banking. These institutions believe everyone deserves access to a checking account and a fresh financial start.

Ready to begin? Here are the top Alaska banks and credit unions willing to help you get back on track.

Alaska Online No-ChexSystems Banks

SoFi Bank

$50 minimum deposit
Welcome bonus up to $300
No monthly maintenance fees
Get paid up to two days early
55,000+ fee-free ATMs

Upgrade Rewards Checking

$0 minimum to open
Up to 2% cash back on purchases
Get paid up to two days early
More than 55,000 free ATMs

Acorns

$25 minimum deposit
Earn 2.57% APY on Checking and 4.05% APY on Emergency Fund
Get paid up to 2 days early
Tungsten metal debit card
55,000+ fee-free ATMs


Alaska Second Chance Checking Accounts

MAC Federal Credit Union

A ChexSystems report will be pulled but as long as the item is paid and does not indicate fraud, you will be able to open a checking account. If you only want a savings account a ChexSystems report will not be pulled. They also offer other financial products such as loans and credit cards.

Matanuska Valley Federal Credit Union

Matanuska Valley Credit Union does use ChexSystems but will open an account under certain circumstances: (1) Fraud must not be reported and the reporting bank must be paid.

Mt. Mckinley Bank

Mt. Mckinley Bank allows customers who have a ChexSystems report to open a savings account only. No debit card will be issued.

Spirit of Alaska Federal Credit Union

A ChexSystems report will be pulled but if the report indicates the item is paid and is not fraud, you will be able to open a savings account. A supervisor may approve you for the checking account once your ChexSystems report is approved.

True North Federal Credit Union

True North Federal Credit Union in Alaska offers a True Options Checking account even though a credit report and ChexSystems report will be pulled. The monthly fee is $10 and there is no minimum balance required.

How ChexSystems records can be disputed

A negative ChexSystems record can remain for 5 years unless you successfully dispute ChexSystems to get it deleted. Consumers with EWS records have to wait 7 years for removal unless an EWS dispute is successful.

Typically you can request a free copy of your ChexSystems report once every 12 months or when you’re denied opening a bank account.

You can view your ChexSystems report online by completing a request.

If you believe that a negative item was reported in error, contact ChexSystems to initiate the dispute process. Under the Fair Credit Reporting Act, ChexSystems has a duty to investigate disputes and correct or remove inaccurate information, usually within 30 days.

You can improve both your ChexSystems and EWS reports over time by avoiding any problems with your bank account.

Whether you choose a bank or credit union, Alaska residents have several choices for non-ChexSystems banks in Alaska. 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.

ChexSystems Resources

  • Banks That Don’t Use ChexSystems – Take a look at our list of banks that do not use ChexSystems for a new checking account.
  • EWS (Early Warning Services) – EWS is similar to ChexSystems and can prevent you from opening a checking account.
  • Check your ChexSystems Report – Unsure what information exists in your ChexSystems report? Learn how to find out.
  • ChexSystems Scores – Did you know that you have a ChexSystems score similar to a credit score? Find out how to get yours.
  • Account Abuse – Find out why ChexSystems often reports customers for account abuse with no real explanation of what that notation means.

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