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 Mississippi 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.

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.

Banking is convenient. There are non-ChexSystems banks and credit unions that offer Louisiana residents a second chance.

If you have problem credit consider bank accounts for bad credit as an additional option for checking accounts.

Louisiana Online Second Chance Checking

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.

Second Chance Banks in Louisiana

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.

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