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2022 List of Montana Second Chance Checking Accounts


While Montana has a relatively low percentage of unbanked and underbanked households, 17% is still a problem. Unbanked and underbanked households either completely lack a bank account or rely on alternative financial services, like payday or auto title loans, for credit.

Without access to mainstream financial services, families will undoubtedly incur unnecessary costs and fees over their financial lifetime. The typical unbanked household, with an average income of $22,000, often pays more than $1,200 each year in extra fees from alternative credit sources like cashing a paycheck.

When households have to rely on payday lenders or other loan companies, they are susceptible to interest rates as high as 400 percent on a single small-dollar loan.

Most of all, a bank provides safety for your money and allows you to earn interest when you open a savings, money market, or certificate of deposit account.

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

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.

Big Sky Western Bank

Only proper identification is required to open a checking.

Fallon County Federal Credit Union

Proper identification and a Social Security number is required to open a checking.

Garfield County Bank

Proper identification and a Social Security number is required to open a checking.

Missoula Federal Credit Union

Only proper identification and a Social Security number is required to open a checking.

Native American Bank

They use Telecheck to verify new customers to open a checking account.

Valley Federal Credit Union

They a second chance account called the Opportunity Checking Account. $5 monthly service charge with direct deposit or $7.50 monthly service charge without direct deposit. No minimum balance required.

Valley Bank of Helena

On proper identification is required to open a checking account.