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Florida Second Chance Checking Accounts

  • Banking
florida second chance banks

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.

With second chance checking and Florida banks that don’t use ChexSystems, your ChexSystems history won’t necessarily prevent you from opening an account.

Get back on track with easy day-to-day banking.

Florida second chance checking accounts

Oxygen Personal Account


Oxygen makes it easier for individuals to open an online checking account, no ChexSystems, with an application that takes less than 10 minutes to complete. Oxygen is a fintech company that offers personal or business checking accounts that don’t use ChexSystems through its banking partner, FDIC-Insured Bancorp Bank.

Oxgen Account Features

  • No monthly fees, no minimum opening deposit, no minimum balance requirements.
  • Savings 0.25% APY.
  • Unlimited fee-free transactions.
  • 40K Fee Free Allpoint® Network ATMs Nationwide.
  • 2 Day Early Direct Deposit.
  • Earn cashback on everyday purchases at approved merchants.
  • Enjoy the power to create single-use or merchant-locked cards that mask your card details. Even send money to friends.
  • Cell Phone Protection.
  • Extended Warranty Protection.
  • Hotel Theft Protection
  • Auto Rental Collision Damage Waiver.
  • Lost Luggage Protection.

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.

OneUnited Bank


OneUnited Bank’s U2 E-Checking Account is a second chance checking account available to people in all states but there are branch locations in Miami and Tampa. To apply you must first enter your name and email address plus choose the “Debit/Checking” option then click the button “Apply Today.”

During the application process, you’ll need to choose the “U2 E-Checking (2nd Chance) Account” option plus choose a plain debit card or one of their specialty debit card designs.

U2 E-Checking Account Details:

  • Minimum opening deposit of $50
  • Get paid up to 2 days early with direct deposit
  • Free Online & Mobile Banking
  • Obtain Cash, Surcharge Free at Over 25,000 ATMs Nationwide
  • Deposit checks through the mobile app using Mobile Remote Deposit Capture
  • Monthly service charge of $12.00 for checking
  • Free Bill Pay

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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