If you’ve faced difficulties opening a traditional bank account due to past financial challenges, second chance banks in Illinois offer a valuable opportunity to rebuild your banking history and regain access to essential financial services.
Banks in Illinois that provide second chance checking with no ChexSystems or Early Warning Services (EWS) requirements may have low or no monthly fees, and features such as debit cards and online banking.
These second chance accounts are designed to help Illinois residents overcome previous banking setbacks and work toward a stronger financial future with tools that promote responsible money management and easy access to funds.
Online Second Chance Banks in Illinois

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

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

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

Current Banking
$0 minimum to open
4% APY on savings up to $6,000
Get paid up to two days early
Up to $750 cash advance
Credit building secured card

mph.Bank - Second Chance Fresh Account
$9.00 a month service fee
Zelle® Integration
Get paid up to two days earlier
55,000+ free AllPoint ATMs