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2022 List of Missouri Second Chance Checking Accounts

missouri-second-chance-checking

Missouri residents living without a bank account may end up paying more for simple services like cashing a check or paying utilities without cash. ChexSystems or bad credit has hindered a large number of Americans from having access to traditional checking or savings accounts.

Check out our list of second chance checking accounts in Missouri. 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.

Missouri Second Chance Banks and Credit Unions

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 is offered by Upgrade Inc, a nonbank financial services provider founded in 2016 and based in San Francisco, CA. It is made possible by a bank partnership with 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. Rewards Checking is available in 50 states (and Washington, DC).

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.

Alliance Credit Union

Get a second chance with Alliance Credit Union’s FreshStart Checking account. It is a “second-chance” checking account designed for people who have had difficulties with past checking accounts and have been placed on ChexSystems.

Bank of Kansas City

Bank of Kansas City offers an account called “Opportunity Checking” designed to let you start over even though you have a ChexSsystems record. There is a $50 minimum opening deposit required. The account features a Visa debit card, free online banking and a monthly service fee of $14.95.

Central Bank of the Midwest

Get back on track with a “Fresh Start” checking account. The account features unlimited check writing, free online bill pay and mobile banking. The minimum deposit required to open the account is $50. There is a monthly service fee of $8.00, however if you have direct deposit the monthly service fee is $6.00.

Century Credit Union

Century Credit Union only uses Telecheck to open accounts. They offer free checking with no service charges or monthly fees. Unlimited check writing with no per check fees. Dividends paid on average daily balances of $1000.

Community Bank and Trust 

Community Bank and Trust only requires proper identification to open accounts. They feature several checking accounts all of which include a free debit card, free online banking and unlimited bill pay along with free mobile banking.

Columbia Credit Union

A “Fresh Start” checking account is available to people with prior issues managing a traditional checking account. There is a $15.00 monthly service fee, no minimum balance requirement, free Visa debit card, free online and mobile banking.

Electro Savings Credit Union

This checking account is designed for individuals that may not qualify for traditional checking accounts, have been denied at other financial institutions and want to get out of the need for high-fee Check Cashing providers. The account features no minimum opening deposit, a $5 monthly account fee, a free ATM card with debit card privileges after 90 days, online and mobile account access and bill pay.

Focus Bank

Focus Bank gives you a chance to re-establish yourself in the financial world with a “Fresh Start” checking account. It requires a $50 opening deposit. There is a $7.95 monthly fee, free online and mobile banking, free ATM/debit card and free direct deposit.

Kansas City Credit Union

Kansas City Credit Union only uses Telecheck to open accounts. There is no minimum balance requirement, no per check charges or monthly service fees, a Visa debit card, free online bill pay, overdraft privilege and direct deposit is available.

Landmark Bank

Landmark Bank offers a second chance checking account called “Rebound Checking”. This account offers a free Visa® Debit Card, a free box of Landmark Bank logo checks and up to 5 ATM Network fees waived per-month. There is a monthly service fee of $9.99. Plus, if you keep your second chance checking account in good standing for 12 consecutive months, you will be eligible to switch to another checking account type, including Better Free Checking.

Missouri Credit Union

The “Smart Start Checking” can help get you back on track. There is unlimited check writing, mobile banking, bill payer, mobile banking, a debit card and only $25.00 is required to open the account.

Montgomery Bank

If you need a second chance the Montgomery “New Start Checking” may be a good fit for you. The account features the flexibility of unlimited check writing with the advantages of a low minimum to open, no monthly service charge and free online banking.  The minimum required opening deposit is $20 and there is no monthly service fee.

St. Louis Community Credit Union 

St. Louis Community Credit Union offers the “Freedom Checking” account for people that had problems managing accounts in the past. The second chance account requires open both a savings and checking account at the Credit Union. You’ll receive a debit card, checks, and you can take advantage of Direct Deposit (if available through your employer).

Town and County Bank

The “Opportunity Checking” account offers a fresh start for customers who have had trouble opening a checking account. There is a $6.00 monthly service fee with direct deposit or $8.00 monthly service fee without a direct deposit.

United Consumers Credit Union

Establish a successful banking relationship even if you’ve had past credit problems. United Consumers Credit Union offers a second chance checking account. There’s no minimum balance, and you’ll pay just $10 per month for unlimited check writing. After 12 months of successfully managing your account, you may request a status review and switch to the Classic Checking Account.

Wood & Huston Bank

Wood & Huston Bank offers a “StartFresh Checking account.” The account features unlimited check writing, free Visa debit card, mobile and online banking and online bill payment. After 18 months in good standing you may qualify for the “SmartChecking Account.”

Liberty Bank

They offer a second chance account called the Now Account

First National Bank

They require drivers license and a social security card only

The Seymour Bank

They use Telecheck

Century Credit Union

They use Telecheck only

Bank of Kirksville

Proper ID only is required

Arsenal Credit Union

They use Telecheck

Health Care Family Credit Union

They offer Fresh Start Checking

St. Johns Bank

They offer Fresh Start checking

First Missouri Credit Union

They use Telecheck

Cape Regional Credit Union

Proper ID only is required

Sherwood Community Bank

They require ID only

South Community Credit Union

They use ID and OFAC, nothing else

Goetz Credit Union

They use Telecheck and even if you are reported to Telecheck you can still open an account with a debit card but no paper checks

Concordia Bank

They offer second chance checking

First State Community Bank

They offer second chance checking called New Opportunity Checking

Central Bank of Kansas City

They do not use Chexsystems or any type of report. You must have a proper ID

First Community Credit Union

They use proper ID only

Vantage Credit Union

They offer Fresh Start Checking

Central Communications Credit Union

They use a credit report and you must have a score higher than 549. Anyone eligible for a membership can get a savings.

Chester National Bank

They use a credit report and Telecheck

Northland Teachers Credit Union

They use a credit report

Neighbors Credit Union

They use Telecheck and a credit report

Holmes Country Bank and Trust

They use a credit report

Bancorp South

They do offer second chance checking

The Bank Of Missouri

They offer second chance checking.