Second chance banks in Nebraska offer an opportunity for people to re-enter the banking system along with building a positive banking history.
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.
Check out our list of second chance checking accounts in Nebraska. 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.
Nebraska 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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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.