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.
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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.
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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 $15.05.
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.