2021 List of Pennsylvania Second Chance Checking Accounts


Pennsylvania has a high number of unbanked consumers. Approximately 14.3% of Philadelphia residents are unbanked. In Pittsburgh more than 10% of residents have no bank account according to FDIC.

The unbanked rely on prepaid cards, check cashing operations and even payday lending to provide financial services. Relying on payday loans and check cashing operations is a costly alternative.

It is important for consumers to have long-term financial stability while building wealth. Traditional banking services offer a greater chance for families to achieve their financial goals. If you are a Pennsylvania resident you may be able to open a non-chexsystems bank account or second chance checking account in your area.

Get back into banking. A negative ChexSystems record can remain 5 years unless you successfully dispute ChexSystems to get it deleted. For consumers with an EWS record, it can last for 7 years unless you're able to successfully dispute EWS.

Pennsylvania 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.

United Bank

United Bank offers several checking accounts and they do have a free account for everyone. The “United FREE Checking offers No minimum balance; No monthly service charge; No per check charge; Unlimited check writing; United VISA® Check Card*; FREE Online Banking; FREE Bill Pay and eStatements. They do not use ChexSystems. The minimum opening deposit is $50.

Allegent Community Federal Credit Union

Residents of Pittsburgh looking for a no-chexsystems bank may be qualified to open a Fresh Start checking account. The account features a Visa debit card, free online banking and bill pay and unlimited check writing. Direct deposit is required along with a $9 monthly service fee. The required opening deposit is $25. There are restrictions with this account but after 12 months of active use with no NSF's members are eligible to upgrade to a regular checking account.

PNC Bank

Customers seeking to re-establish themselves in the banking system may qualify for the “Foundation Checking” account. There is a monthly service fee of $7. An additional fee of $2 will be charge if you prefer paper statements. There are no options to avoid the monthly service charge. Once your account has been opened for 6 months or more you may be eligible to upgrade to a different checking account.

Meadville Area Federal Credit Union

The 2nd Chance Checking account is for consumers with previous unsatisfactory checking account performance. The monthly service fee is $5 and is debited from your account monthly. A $35.00 deposit is required to be secured in the regular share savings account as a good faith gesture of intent to maintain a satisfactory checking account. The member will NOT be eligible for a debit card during the period in which they are enrolled in the 2nd Chance Checking Account program. At the conclusion of the 12 month period you will be eligible for a standard checking account if you have maintained a satisfactory checking account record.

Sun Federal Credit Union

Sun Federal's “Fresh Start Checking” account can help you get back on track, build a history of responsible account management, and improve your financial standing. The Fresh Start checking account features all the benefits of the regular checking accounts for a small monthly fee of $10. You must complete the credit union's CheckRight financial education course to help you manage your money. After 12 months in good standing you can apply for a regular, fee-free checking account.

West Branch Valley Federal Credit Union

If you have been denied a checking account they offer a “Second Chance Checking” account. Even if you've been reported to ChexSystems in Pennsylvania you can open the Second Chance Checking account to make deposits, conveniently pay bills online, access ATM’s worldwide, or simply shop and pay with your Visa check card.


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.