2021 Nebraska Second Chance Checking Accounts

nebraska-second-chance-banks

Nebraska's unbanked and underbanked households sit at 26 percent. 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.

Nebraska Second Chance Checking Accounts

Chime Spending Account – Free overdraft up to $100


Chime will spot you up to $100 on debit card purchases with no overdraft fees. Eligibility requirements apply.¹ Chime's Spending Account is similar to a traditional checking account but without check writing. Banking is easy with Chime where customers can transfer money, send and deposit checks and pay bills with no monthly fees and no overdraft fees.

Open the optional Chime Savings Account and Chime will round up your Visa Debit Card transactions to the nearest dollar and transfer it to your savings account.

Chime Spending Account Features

  • Get your direct deposit up to 2 days early.
  • Chime Visa® Debit Card.
  • Access cash at 38,000+ fee-free ATMs.
  • An optional savings account earns 0.50% (APY).
  • Leniency for people with previous checking account problems.

Chime

Chime is primarily a spending account to conduct your daily expenses that anyone can open. Get paid up to 2 days early with early direct deposit. Other features include no overdraft fees and no monthly service fees. If you need a check written, Chime will create and mail a paper check for you at no charge. No opening deposit required. If you open a savings account too, you can save money when you make a purchase or pay a bill with your Chime Visa® Debit Card. Chime will round up transactions to the nearest dollar and transfer it to your savings account.


Citizens Bank and Trust

This bank has several checking account products along with other financial products and services. Citizens Bank and Trust does not use ChexSystems but requires 2 forms of Identification.

Farmers State Bank

Several bank account products are available along with a wide array of accounts and services to meet your needs. Farmers State Bank does not use ChexSystems but requires 2 forms of Identification.

Fremont First Federal Credit Union

They use Telecheck to verify new accounts.

Eagle State Bank

They use Telecheck to verify new accounts.

Adams County Bank

Proper identification is required.

Byron State Bank

Proper identification is required.

Butte State Bank

A credit report is required to open new acounts.

Cass County State Bank

They use Telecheck and a credit report to verify new accounts.

First Nebraska Bank

They use a credit report and a score of 600 or higher is required.

Bank of Doniphan

They use a credit report to open new accounts.

Kearney Federal Credit Union

They use a credit report to open new accounts.

Heritage Bank

They use a credit report to open new accounts.

Bruning State Bank

They use a credit report to open new accounts.

Central National Bank

They offer second chance checking.