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2022 Nebraska Second Chance Checking Accounts

nebraska-second-chance-banks

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.
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.

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.