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Florida Second Chance Checking Accounts

florida second chance banks
Advertiser Disclosures

Florida has multiple banks that offer second chance checking accounts for consumers with past banking issues.

Statewide the rate of unbanked households decreased from 6% in 2017 to 2.8% in 2019 but the numbers in South Florida remain alarming. A 2019 survey by the Federal Deposit Insurance Corp. found that 19.5 percent of South Florida residents are either unbanked or underbanked.

It’s estimated the unbanked can pay from 1-10% of their salary for check cashing services.

Get back on track with easy day-to-day banking. Check out our list of second chance checking accounts in Florida. Many second chance bank accounts run a ChexSystems report.

If your ChexSystems record has unpaid debt, consider options at banks that don’t use ChexSystems or bank accounts for bad credit.

Second chance checking accounts in Florida

OneUnited Bank

OneUnited Bank’s Online Checking Account is available to people in ALL STATES. We like OneUnited Bank because customers can add cash to the OneUnited Bank Debit Card at over 90,000 locations across the country through a partnership with Green Dot®.

OneUnited Bank offers the Black Wall Street Checking account with no monthly fee. However, if you don’t qualify, they offer the U2 E-Checking Account specifically designed for bad credit.

To get started go to the “Get the Card” button, enter your name, email address and cell phone number. Choose the Black Wall Street Checking account option along with the opening deposit ($25.00 minimum), then complete your identification details (name, address, SSN, and employer).

Black Wall Street Checking Account Features

  • Minimum opening deposit of $25 (can be funded with a credit card).
  • No monthly fee.
  • Get paid up to 2 days early with early direct deposit.
  • Free Online & Mobile Banking.
  • Obtain Cash, Surcharge Free at Over 35,000 ATMs Nationwide.
  • Deposit checks through the mobile app.
  • Free Bill Pay
  • OneUnited also offers a secured credit card that reports to the major credit bureaus.


Upgrade Rewards Checking

The Upgrade Rewards Checking Account offers up to 2% cash back on common everyday expenses at grocery and drug stores, gas stations, monthly subscriptions, restaurants, and cell phone utilities. Plus, account holders get unlimited 1% cash back on all other debit card charges. This account takes less than 10 minutes to open, the process is simple and easy.

Upgrade Rewards Checking Features

  • No ATM fee.
  • Zero Monthly Fees.
  • Zero Overdraft/Insufficient Fees.
  • 2% cash back on common everyday expenses and recurring payments and unlimited 1% cash back on every other debit card charge.
  • use your Rewards Checking card wherever Visa® is accepted.
  • FDIC-insured up to $250,000.
Rewards Checking customers earn 2% cash back on common everyday expenses at convenience stores, drugstores, restaurants, and bars – including deliveries – and gas stations, as well as recurring payments on utilities and monthly subscriptions including phone, cable, TV and other streaming services, and 1% cash back on all other debit card charges. 2% cash back is limited to $500 in rewards per calendar year; after $500, customers earn 1% cash back on all eligible debit card charges for the remainder of the year. Some limitations apply. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information.
Upgrade is a financial technology company, not a bank. Rewards Checking services provided by Cross River Bank, Member FDIC. Upgrade VISA® Debit Cards issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Personal Loans made by Upgrade’s bank partners. Personal Credit Lines are issued by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. The Upgrade Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.

Current Checking Account


The Current Checking Account can be opened with a minimum of $10 with a debit card or an existing checking account.

Current Account Features

  • $10 minimum opening deposit.
  • Savings feature that pays 4.00% APY on balances up to $6,000.
  • No overdraft fees when you overdraw by up to $200 with Overdrive™.
  • Get your paycheck up to 2 days early with direct deposit.
  • Earn points for unlimited cashback at participating retailers.
  • Gas station holds immediately credited to your account.
  • Send money instantly for free.
  • 24/7 member support.

Axiom Bank

Axiom Bank does use ChexSystems but they offer an account called “Opportunity Checking.” It features unlimited check writing, free online banking with bill pay, a $10 monthly service fee and it requires a $25 minimum opening deposit.

Bank United

They use Chexsystems but as long as the report does not indicate fraud and is paid, you can open a savings and checking. For the best results, only one bank should be reported.

Bank Of The Ozarks

They offer a second chance checking called pathway checking.

Center State Bank

They offer Fresh Start checking.

Centenniel Bank 

They offer a second chance checking.

First American Bank

They offer Fresh Start checking

First Coast Community Bank

They use an Equifax credit report and a score of 500 or more is required.

Liberty Savings Bank

Liberty Savings Bank offers a second chance checking called “Clean Slate Checking.” There is no minimum balance required and after 12 months of responsible account management with no NSFs or Overdrafts you can convert your account to a regular checking account.

One South Bank

They offer Opportunity Checking.

Republic Bank

They offer a second chance account called Checking Builder.

Southern Commerce Bank

They do offer second chance checking at the locations “ inside WalMart ONLY” as long as there are not too many reported on your chexsystems report, they will open the account.
this is a FREE checking.

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.

Union State Bank

Union State Bank does not use Chexsystems or EWS. They offer several checking accounts including one called “Freedom Checking” which features free monthly checking, unlimited check writing, free online bill pay, a debit card and a $50 minimum opening deposit.

Credit Unions in Florida

There are multiple credit unions in Florida that offer second chance checking accounts. But unlike banks, credit unions may have restrictions on membership. Potential members have to meet membership requirements that vary depending on the credit union’s objective.

If you are eligible to join a credit union, they typically offer a variety of excellent financial products including second chance checking accounts.

Army Aviation Center Federal Credit Union

They use Chexsystems but anyone that is eligible for membership can get a savings account. if the chexsystems report is 2 years old or older, and the reporting bank is paid and showing no fraud, you can possibly open a checking

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.

Calhoun Liberty Employees Credit Union

They do not use Chexsystems. They use Telecheck and a credit report

Campus USA Credit Union

They use an Equifax credit report

Central Credit Union of Florida

They offer Fresh Slate checking

Community First Credit Union

They do use Chexsystems but they offer Fresh Start Checking

Coral Community Federal Credit Union

They use Chexsystems and an Equifax Credit report
Anyone eligible for membership can get a savings. If your report has no fraud and the reporting bank is paid, you can get a checking.

CFE Federal Credit Union

They use Equifax Decision Power

Country Federal Credit Union

They use a credit report

Eglin Credit Union

Eglin Federal Credit Union does not use Chexsystems. They offer what is called the “Basic Checking Account.” The minimum deposit to open the account is $25 which includes a one-time Account Opening Fee of $5.00. It comes with a $5 monthly service fee. After a year of successful account management you may be eligible for a Premium Checking Account.

First Florida Credit Union

First Florida Credit Union offers a second chance checking account called “Smart Track Checking.” In order to qualify you must have direct deposit. The account features free bill payer service, online banking and a Visa Debit Card. There is a $5.00 monthly fee. After 12 months of good account management you can graduate to a no-monthly fee checking account.

First Choice Credit Union

First Choice Credit Union uses a credit report to open accounts. They offer many accounts including a “Value Checking” account. No minimum balance is required, there are no monthly service charges or per check charges. Customers get a debit card, internet account access and free 24 hour call access by phone.

Florida Credit Union

Florida Credit union does not use ChexSystems but they do run Telechick and a credit report. They offer free Checking Accounts with several features including free debit cards, online banking, and checking overdraft protection.

Gold Coast Federal Credit Union

They offer a “Fresh Start” checking account for people who have had checking problems in the past. The account will graduate to a Gold Coast FCU’s Easy Pay checking account after you have gone 1 year with NO NSF’s or Overdrafts.

Gulf Winds Federal Credit Union

They offer an account called My Opportunity checking

JAX Federal Credit Union

They use an Equifax credit report and require a score of 540 or higher They offer second chance checking

Jet Stream Federal Credit Union

They offer second chance checking

McCoy Federal Credit Union

They offer Fresh Start checking

Members First Credit Union

They offer second chance checking.  If you are reported to EWS, they will NOT approve you for the second chance account Offer extended to members in ChexSystems due to Non-Sufficient Funds (NSF) activity only. Member’s account must have been paid for at least 90 days before Second Chance Checking will be approved

People’s Alliance Federal Credit Union

People’s Alliance Federal Credit Union does not use ChexSystems or EWS. They offer several checking accounts along with an option for overdraft protection. The overdraft coverage requires a savings account.

Priority Credit Union

They offer a second chance checking account

San Antonio Citizens Federal Credit Union

They offer second chance checking

South Florida Federal Credit Union

They offer second chance checking

Space Coast Credit Union

They do use chexsystems but they offer New Directions Checking

Suncoast Schools Federal Credit Union

They use a product called “Deposit Shield” provided by Equifax

University Credit Union

They use Telecheck and a credit report

Vystar Credit Union

They use Telecheck

Final thoughts

A negative ChexSystems record can remain 5 years unless you successfully dispute ChexSystems to get it deleted. For consumers with an EWS record, it can last for 7 years unless you’re able to successfully dispute EWS.

Whether you choose a bank or credit union, 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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