Louisiana has the 2nd highest percentage of unbanked households with Mississippi having the highest. Opening a second chance checking account in Louisiana can help residents maintain financial stability.
For people listed in ChexSystems or Early Warning Services a second chance checking account gives you an opportunity to get back into banking. Everyday transactions are made much easier with checking accounts.
Get back into banking. There are banks and credit unions that offer Louisiana residents a second chance at banking. There are also banks in Louisiana that don’t use EWS where only proper identification is required to open accounts.
Louisiana Online Second Chance Checking
BBVA Online Checking
BBVA offers an online checking account that uses Early Warning Services to verify new account holders. BBVA’s award winning banking app allows customers easy access to online and mobile banking, free bill pay and mobile check deposits.
What else can you expect from this checking account?
- Apply with only $25 opening deposit
- No monthly Service Charge
- Complimentary Online Banking and Mobile Banking, Bill Pay and Online Statements
- No ATM withdrawal fees at any BBVA or Allpoint® ATM
- BBVA USA, Member FDIC
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BBVA ClearChoice Money Market
Earn high interest plus enjoy mobile and direct deposit and free bill payment. BBVA uses Early Warning Services to verify new customers. The account requires a $25 deposit to open. A money market account is like your basic savings account except with higher earning rates. That means you grow your money faster. The higher your balances, the greater your interest-earning possibilities. Open today.
Louisiana Second Chance Banks
(Note: This list is not exhaustive and in no way represents all banks that do not use ChexSystems. You may have to visit the bank in-person to open an account.)
La Capitol Federal Credit Union
Telecheck is used to verify new accounts. They offer a variety of checking account products.
Peoples State Bank
Telecheck is used to verify new accounts. They offer a variety of checking account products.
Neighbors Federal Credit Union
Telecheck is used to verify new accounts. They offer a variety of checking account products.
New Orleans Firemen’s Federal Credit Union
Telecheck is used to verify new accounts. They offer a variety of checking account products.
Bank Of Montgomery
Telecheck is used to verify new accounts. They offer a variety of checking account products.
Home Bank
Telecheck is used to verify new accounts. They offer a variety of checking account products.
Bank of St. Francisville
Telecheck is used to verify new accounts. They offer a variety of checking account products.
Bank Of Zachary
Telecheck is used to verify new accounts. They offer a variety of checking account products.
State Bank and Trust Company
Telecheck is used to verify new accounts. They offer a variety of checking account products.
Carter Federal Credit Union
Telecheck is used to verify new accounts. They offer a variety of checking account products.
Community Bank Of Louisiana
Proper identification is required. Community Bank of Louisiana does not use ChexSystems or EWS.
Crescent Bank
Telecheck is used to verify new accounts. They offer a variety of checking account products.
WESLA Federal Credit Union
Telecheck is used to verify new accounts. They offer a variety of checking account products.
Bancorp South
They do offer second chance checking
Fort Sill National Bank
Fort Sill National bank does not use ChexSystems but a credit report will be pulled. They have several checking account packages to choose from but the Basic Checking includes a $5.00 Minimum deposit required to open account, has no monthly fees, unlimited check writing and a Visa CheckCard.
Woodforest
Woodforest offers a “Second Chance” account. The minimum opening deposit is $25.00. There is a monthly service charge which breaksdown as follows: $7.95 with direct deposit(3); $9.95 without direct deposit and a $9.00 one-time account set up fee.
You may want to review a List of Second Chance Checking Accounts and Non-ChexSystems Banks in other States.
