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Second Chance Banks in Louisiana: Open an account at a Bank or Credit Union

Louisiana-non-chexsystems-banks-second-chance-checking

Louisiana has the second highest percentage of unbanked households with Louisiana having the highest. Opening a second chance checking account in Louisiana can help residents get and maintain financial stability.

Opening a new bank account means you won’t have to worry about your cash getting stolen and it will save you money. Banks and credit unions offer free check cashing to their customers so you won’t have to pay high fees to cash your checks.

For people listed in ChexSystems or Early Warning Services a second chance checking account gives you an opportunity to get back into traditional banking. Everyday transactions are made much easier with checking accounts.

Check out our list of second chance checking accounts in Louisiana. 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.

Second chance checking accounts in Louisiana

OneUnited Bank

OneUnited Bank’s Online Checking Account is available to people in ALL STATES. We like OneUnited Bank because customers can add cash to the OneUnited Bank Debit Card at over 90,000 locations across the country through a partnership with Green Dot®.

OneUnited Bank offers the Black Wall Street Checking account with no monthly fee. However, if you don’t qualify, they offer the U2 E-Checking Account specifically designed for bad credit.

To get started go to the “Get the Card” button, enter your name, email address and cell phone number. Choose the Black Wall Street Checking account option along with the opening deposit ($25.00 minimum), then complete your identification details (name, address, SSN, and employer).

Black Wall Street Checking Account Features

  • Minimum opening deposit of $25 (can be funded with a credit card).
  • No monthly fee.
  • Get paid up to 2 days early with early direct deposit.
  • Free Online & Mobile Banking.
  • Obtain Cash, Surcharge Free at Over 35,000 ATMs Nationwide.
  • Deposit checks through the mobile app.
  • Free Bill Pay
  • OneUnited also offers a secured credit card that reports to the major credit bureaus.


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.

Telecheck is used to verify new accounts. They offer a variety of checking account products. For example, the Economy Checking Account requires $100 to open, customers enjoy unlimited check writing, monthly statements mailed directly to you and direct deposit. The account is free, however, if at any time during the statement period the balance falls below $500.00 there is a $7.50 service charge.
Proper identification is required. Community Bank of Louisiana does not use ChexSystems or EWS. Account examples are the Classic Checking that has a $7.00 service charge if your balance falls below minimum $1,000.01 and the E-Checking that has a $3.50 service charge if your balance falls below minimum $1,000.01. No service charge after 5 years, regardless of your balance.
Telecheck is used to verify new accounts. They offer a variety of checking account products, for example, the Personal Checking Account which requires $100 to open. Account holders enjoy unlimited check-writing privileges, debit card, no charge for ATM withdrawals from Crescent Bank ATMs. Monthly service charges dependent on minimum balance.
Telecheck is used to verify new accounts. They offer a variety of checking account products. For example, the eBanking Account requires $100 minimum deposit to open, check writing is prohibited, except for Bill Pay items, $5 monthly service charge, free online banking and free Visa® debit card.
Telecheck is used to verify new accounts. They offer a variety of checking account products. For example, the Classic Checking Account is the most basic checking account with no monthly service charge. Customers get a Visa debit card, access to online banking and bill pay.
Telecheck is used to verify new accounts. They offer a variety of checking account products. For example, the Totally Free Checking Account requires a minimum opening deposit of $50, a Visa debit card, free online banking and bill pay plus an introductory packet of complimentary checks.
Telecheck is used to verify new accounts. They offer a variety of checking account products. For example, the Free Checking Account offers a debit card, direct deposit and overdraft protection.

Final thoughts

Bank accounts can help you begin long-term saving. Plus, your savings will be protected in the event of an emergency or disaster. If you decide you want to take out a loan for a house or education, your bank or credit union will be there to help.

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