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2022 List of North Carolina Second Chance Checking Accounts


Get back into banking. A negative ChexSystems record can remain 5 years unless you successfully dispute ChexSystems to get it deleted.

Check out our list of second chance checking accounts in North Carolina. 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.

North Carolina 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.

Fort Sill National Bank

Fort Sill National bank does not use ChexSystems but a credit report will be pulled. They have several checking account packages to choose from but the Basic Checking includes a $5.00 Minimum deposit required to open account, has no monthly fees, unlimited check writing and a Visa CheckCard.

Champion Credit Union

They use Telecheck to verify new customers.

F & M Bank

They use Telecheck to verify new customers.

Charlotte Metro Credit Union

They offer second chance checking called Fresh Start Checking for individuals that need to rebuild or re-establish your banking history. It features a low monthly fee, no minimum balance requirement, a free Visa debit card, and automatic overdraft protection from your savings account.

Carter Bank and Trust

They use a credit report to verify new customers.

Carolinas Telco Federal Credit Union

They use a credit report to open new accounts.

Members Credit Union

They use a credit report to open new accounts.

Bank Of The Ozarks

They offer a second chance checking called Pathway Checking that requires $50 to open and comes with a $10 monthly service fee.

Corporate America Family Federal Credit Union

They offer a Fresh Start Checking Account that requires you keep a minimum balance of $100 in a Regular Share Account. The monthly service fee is $10.

Alliance Federal Credit Union

They offer Fresh Start Checking. You must meet with an Alliance Member Relationship Manager to open your account. $50 minimum to open account.


Woodforest offers a “Second Chance” account. The minimum opening deposit is $25.00. There is a monthly service charge which breaksdown as follows: $7.95 with direct deposit(3); $9.95 without direct deposit and a $9.00 one-time account set up fee.

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