List of Second Chance Checking Accounts by State

arkansas-no-chexsystems-banks-2nd-chance-checking
  • If you're looking for second chance checking accounts or non-chexsystems banks and credit unions you've reached the right place.

  • If you're questioning “Do Credit Unions use ChexSystems?” Yes! Some credit unions use ChexSystems to open new accounts but may offer second chance checking accounts for people currently in ChexSystems.

  • Discover fresh start checking accounts in your State that give you the chance to rebuild your checking account history.

What is second chance banking

A shaky banking record is not a barrier with second chance checking accounts. In many situations, it can be hard to find banks that don’t use ChexSystems near you.

Second chance banking simply means a bank or credit union offers specific accounts designed for people with ChexSystems or Early Warning Services records and who may even need a bad credit bank account. ChexSystems and EWS are consumer reporting agencies that maintain blemishes you've encountered at past banks and credit unions.

Even if you have a good income, many traditional banks may deny access to a checking account if you have ChexSystems or EWS records. It can be challenging to keep track of your finances without a checking account.

Start on a path to restoring your banking history with second chance banking.

Second Chance Checking “Near Me”

If you've searched for “second chance checking near me” then the list below is for you. Browse your state to find second chance checking accounts at banks or credit unions in your area. There are also nationwide banks offering second chance banking primarily through online checking accounts.

Alabama Second Chance Banks

Alabama Credit UnionOn-Track Checking features a debit card that earns you reward points, online banking, mobile app, and free bill-pay.
BancorpSouthSecond Chance Checking features unlimited check writing privileges, debit card. Open an account a $50 minimum opening deposit.
Community Bank & TrustSecond Slice Checking features mobile banking apps, debit card, unlimited checking writing and free bill-pay. Requires a minimum $100 opening deposit.
First National BankCredit Builder Account offers semi-annual credit counseling, free debit card, and online banking with free bill-pay.
Gulf Winds Federal Credit UnionMyOpportunity Checking features a debit card, online banking and bill pay. Requires a $25 minimum deposit.

You may also like: Alabama Non-ChexSystems Banks

Alaska Second Chance Banks

True North Federal Credit UnionTrue Options Checking True Options Checking offers direct deposit, a Mastercard Debit Card on approved credit.

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Arizona Second Chance Banks

Banner Federal Credit UnionOpportunity Checking You will receive all the same benefits as their regular checking account, except the bank will monitor your account more closely.
Canyon State Credit UnionTry Again Checking requires you to successfully complete an online financial education course called CheckRight.
MariSol Federal Credit UnionBasic Checking does not require an opening deposit. The account features a debit card, online banking and bill pay.
Pima Federal Credit UnionFresh Start Checking offers all of the features and benefits of the CareFREE Checking for a monthly fee of $10.
Tucson Federal Credit UnionSecond Chance Checking offers the benefits of a regular checking account. There must no past fraud activity or balances owing to ChexSystems.
Tucson Old Pueblo Credit UnionMission Checking offers free online banking and bill-pay, but you must sign-up for direct deposit to get a debit card.

You may also like: Arizona Non-ChexSystems Banks

Arkansas Second Chance Banks

Diamond BankEncore Checking features online and mobile banking, unlimited check writing and bill-pay, person-to-person pay. Requires a $100 minimum opening deposit
Red River Credit UnionFresh Start Checking features debit card, online and mobile banking.
River Valley Community Federal Credit UnionFresh Start Checking requires members with ChexSystems records owe less than $300.
Unify Federal Credit UnionRight Start Checking features no monthly or per-check fees, free overdraft protection from your savings and/or qualified loans.

You may also like: Arkansas Non-ChexSystems Banks

California Second Chance Banks

American United Federal Credit UnionFreshStart Checking requires a fee to open and a monthly maitenance fee. Features a debit card, online and mobile banking.
E-Central Credit UnionE-Builder Checking requires $50 to open plus $200 pledged to a savings. There is a $10 monthly service fee. Account upgrade available after 12 months.
Foothill Credit UnionRebound Checking offers a free debit card, free online bill pay, plus you will be eligible to upgrade to a regular checking after 12 months.
Kern Federal Credit UnionFresh Start Checking requires all outstanding balances on delinquent checking accounts from other financial institutions be paid in full.
Los Angeles Federal Credit UnionSecond Chance Checking requires all ChexSystems records be paid in full.
North County Credit UnionFresh Start Checking requires a $100/month direct deposit and a $15/month service fee.
Premier America Credit UnionFresh Start Checking offers free online banking and bill pay along with a debit card.
Priority One Credit UnionNew Leaf Checking requires $25 opening balance along with a $500 minimum monthly direct deposit. There is a monthly service fee of $15.00.
OneUnited Bank: U2 E-Checking Account features online and mobile banking, free bill pay, debit card and requires $50 to open.

Colorado Second Chance Banks

Liberty Savings BankClean Slate Checking allows you to improve your financial standing and start on the path to a solid financial future.
NuVista Federal Credit UnionThe Last Chance Checking requires a $100.00 opening deposit and a $10 monthly service charge.
Unify Federal Credit Union: Right Start Checking requires a $25 deposit. No monthly or per-check fees plus free access to eBanking.

Connecticut Second Chance Banks

Corporate America Family Credit UnionFresh Start Checking requires a minimum balance of $100 in your Regular Share Account and a $10 monthly fee.
Eastern CT Savings BankRestart Checking requires $25 to open and a monthly service charge of $6.95.
Finex Credit UnionRe-Start Checking offers unlimited check writing, debit card and a monthly service fee of $15.
Hartford Federal Credit Union2nd Chance Checking has a $5 monthly fee and offers a debit card if you sign-up for direct deposit.
Tobacco Valley Teachers Federal Credit UnionmyChance Checking will have a $10.00 per month service charge applied. The account will be monitored for 1 year.

Delaware Second Chance Banks

There were no second chance banking accounts found in Delaware, however, you can open an online second chance checking account at One United Bank. The U2 E-Checking requires a minimum opening deposit of $50. Another option is an online spending account that can be used as a second chance checking account at Chime.

District of Columbia Second Chance Banks

CommonWealth One Federal Credit UnionSolutions Checking requires you visit a branch location to open the account.
Premier BankStartFresh Checking requires a $50 minimum opening deposit. Features unlimited check writing, free online banking and bill payment.

Florida

Alabama Credit UnionOn-Track Checking features free online and mobile banking. Requires an $8.00 monthly service fee.
Axiom BankOpportunity Checking features online banking with bill pay plus a $12.95 monthly service fee.
CenterState BankFresh Start Checking features free online & mobile banking with bill pay and requires a $12.95 monthly fee.
Central Credit Union of FloridaFresh Start Checking helps build a positive relationship with the credit union.
City County Employees Credit UnionFresh Start Checking features online banking, free bill pay and requires a $9.95 monthly service fee.
Community First Credit UnionFresh Start Checking features a debit card, online and mobile banking, free bill pay and requires a $10 monthly service fee.
Compass Financial Federal Credit UnionRestart Checking features free bill pay, online and mobile banking and a debit card.
First American BankFresh Start Checking comes with a $9.95 monthly fee, unlimited check writing, debit card, online and mobile banking.
First Florida Credit UnionSmart Track Checking requires direct deposit, a $10 monthly fee, plus no previous owed balances to the credit union.
Gold Coast Federal Credit UnionFresh Start Checking features debit card, online bill pay and after one year of activity with no overdrafts, the account will upgrade.
Gulf Winds Federal Credit UnionMyOpportunity Checking requires a $10.75 monthly service fee.
JetStream Federal Credit UnionSecond Chance Checking requires a $25 minimum deposit to open plus a $10 monthly service fee.
Liberty Savings BankClean Slate Checking Typically, if you have been reported to ChexSystems no more than three times for account abuse, an account can be opened.
McCoy Federal Credit UnionFresh Start Checking features unlimited check writing, debit card and free bill pay.
Members First Credit Union of FloridaSecond Chance Checking offer is extended to members in ChexSystems due to Non-Sufficient Funds (NSF) activity only.
Okaloosa County Teachers Federal Credit UnionFresh Start Checking requires a $25 initial deposit plus a $5 monthly fee.
One South BankOpportunity Checking requires $100 minimum deposit to open the account plus a $15 monthly service charge.
OneUnited Bank: Second Chance Checking requires a $50 opening deposit. Features a debit card, online & mobile banking, bill pay plus get paid up to 2 days early with direct deposit.
Priority Credit UnionRestart Checking
San Antonio Citizens Federal Credit UnionChecking Builder has a $10 monthly service fee and requires an initial minimum deposit of $50.00.
South Florida Federal Credit UnionAnother Chance Checking has no monthly fees and offers a debit card.
United BankGateway Checking offers online banking and bill pay for $4.95 per month. The account has a $10 monthly fee.

Georgia Second Chance Banks

Community Bank & TrustSecond Slice Checking features mobile banking apps, debit card, unlimited checking writing and free bill-pay. Requires a minimum $100 opening deposit.
Doco Credit UnionFresh Start Checking designed for members who truly need a fresh start.
Excel Federal Credit UnionFresh Start Checking designed for those who are working to reestablish their credit. There are fees associated with this account.
Georgia United Credit UnionRestart Checking features no monthly service fee, no minimum deposit required and a debit card.
Georgia’s Own Credit UnionResolution Checking designed to help re-establish financial stability for members who have had previous credit problems and are not eligible for other checking accounts.
Health Center Credit UnionFresh Start Checking There is no minimum balance required to open but there is a monthly fee associated with this account.
Members United Credit UnionAnother Chance Checking is designed to help repair poor checking history.
Peach State Federal Credit UnionFresh Start Checking you’ll have access to a debit card and a monthly fee is required.

Hawaii Second Chance Banks

There were no second chance banking accounts found in Hawaii, however, you can open an online second chance checking account at One United Bank. The U2 E-Checking requires a minimum opening deposit of $50 and features a debit card, online & mobile banking, free bill pay plus get paid up to 2 days early with direct deposit. Another option is an online spending account that can be used as a second chance checking account at Chime.

Idaho Second Chance Banks

Latah Credit Union: Second Chance Checking features digital banking, unlimited monthly transactions. Requires $25 to open and an $8.00 monthly service fee.

Illinois Second Chance Banks

Catholic & Community Credit Union: Rebound Checking offers debit card, overdraft protection and requires a monthly service fee.
First American Bank: Fresh Start Checking features a debit card, no minimum balance requirement and a $9.95 monthly fee.
First Eagle Bank: Eagle Fresh Start Checking features online banking, bill pay and a debit card.
First National Bank and Trust Company: Renew Checking offers free online banking, free bill pay and a debit card.
Marquette Bank: ReStart Checking requires a $20 minimum opening deposit and $5 monthly fee.
Prairieland Federal Credit Union: Not Your Normal Checking2 offers online banking, free bill pay and a debit card.

Indiana Second Chance Banks

Centra Credit Union: Opportunity Checking has limits on debit card use and check-cashing to help you stay on track.
Diamond Valley Federal Credit Union: Fresh Start Checking offers a debit card, free online banking and bill pay.
Evansville Teachers Federal Credit Union: Opportunity Checking offers a debit card, free online banking and bill paying services.
Heritage Federal Credit Union: 2nd Chance Checking A $10 monthly service charge is attached to this account.
Horizon Bank: Fresh Start Checking has a $5 monthly service charge and features free online banking, unlimited bill pay, mobile banking and estatements.
Regional Federal Credit Union: First Step Checking gives members a second chance to rebuild their good standing, while learning good checking account management skills.

Iowa Second Chance Banks

Collins Community Credit Union: Take2 Checking features a debit card, free online banking, requires $50 to open and a $9.95 monthly fee.
Federation Bank: Fresh Start Checking requires a $250 minimum opening deposit and comes with a $6.95 monthly service fee.
Greater Iowa Credit Union: Fresh Start Checking features a debit card, online banking with GICU bill pay and a $5.00 monthly service charge.
North Iowa Community Credit Union: Fresh Start Debit offers a debit card and requires an $8.00 monthly fee.

Kansas Second Chance Banks

Central National Bank: New Opportunity Checking requires $30 to open and features free online & mobile banking unlimited check writing.
United Consumers Credit Union: Second Chance Checking offers free digital banking, unlimited check writing and requires a $10 monthly maintenance fee. Open with $100 minimum deposit.

Kentucky Second Chance Banks

Central Bank: Clean Start Checking requires a $10 opening deposit, $8.00 monthly service fee with direct deposit otherwise it's $10.
Evansville Teachers Federal Credit Union: Opportunity Checking offers a debit card, free online banking and bill paying services.
First United Bank and Trust Company: Fresh Start Checking requires $50 minimum deposit to open plus a $10 new account setup fee and a $14 monthly maintenance fee.
FNB Bank: Start Again Checking requires a $100 minimum opening deposit. Direct deposit required if offered by employer or government agency. $10 set up fee and $12 monthly service fee.
Heritage Federal Credit Union: 2nd Chance Checking a $10 monthly service charge is attached to this account.
Home Federal Bank: Square One Checking requires a $10 one time set up fee and a $12.99 monthly maintenance charge.

Louisiana Second Chance Banks

Neighbors Federal Credit Union: Basic Checking is offered to non-qualifying individuals if you’ve been declined for a checking account at other institutions.
Pelican State Credit Union: Horizon Checking requires a $25 minimum opening deposit and a $10 monthly fee.
After 6 month period, contact Pelican to request to move to a free checking account.
Southwest Louisiana Credit Union: Fresh Start Checking features free online banking and bill pay and $50 minimum deposit to open.

Maine Second Chance Banks

Five County Credit Union: 2nd Chance Checking requires $8.00 per month service fee. Features debit account and free online account access.

Maryland Second Chance Banks

Central Credit Union of Maryland: Renew Checking requires you establish direct deposit and a monthly fee.
Clear Mountain Bank: StartFresh Checking requires a $50 minimum opening deposit. Features debit card, unlimited check writing, free online banking and bill pay.
Market USA Federal Credit Union: Fresh Start Checking requires direct deposit to open. There are no monthly fees and no minimum balance requirements.
Security Plus Federal Credit Union: Revive Checking requires at least one ACH credit per month or the account will be subject to a monthly service charge of $5.00.

Massachusetts Second Chance Banks

Alden Credit Union: No Boundaries Checking requires $10 to open and a monthly service fee of $7.50. Features online banking, free bill pay and an ATM Card.
Athol Credit Union: Fresh Start Checking features debit card, online banking, mobile banking and no minimum balance requirement.
OneUnited Bank: Second Chance Checking features online and mobile banking, free bill pay, debit card and requires $50 to open.
Washington Savings Bank: Online Rewards Checking features digital banking services, free online banking & bill pay and requires a $14.95 monthly service fee.

Michigan Second Chance Banks

Credit Union One: Basic Checking can be opened with $25. Requires $15 monthly fee or $10 when enrolled in direct deposit.
Horizon Bank: Fresh Start Checking requires no minimum opening balance but there is a monthly service fee, and unlimited check writing.
Marshall Community Credit Union: Fresh Start Checking requires an $8 monthly account monitoring service fee. Features online banking and bill pay.
Members First Credit Union: Fresh Start Checking must be opened at branch location and requires a $25 opening deposit.
Michigan State University Federal Credit Union: Rebuild Checking features online banking, bill pay, free FICO credit score and a small monthly service fee.

Minnesota Second Chance Banks

Minnesota Valley Federal Credit Union: Second Chance Checking features a Guaranteed Line of Credit that can be used to cover debit card or ACH transactions that would otherwise be declined due to a low balance. There is a monthly service charge of $10.
WESTconsin Credit Union: Foundations Checking requires debit card use only—no checks will be issued plus an $8.00 monthly service fee.

Mississippi Second Chance Banks

Citizens National Bank: Clean Slate Checking can be opened with a $50 minimum deposit. The monthly service charge is $9.95.
Gulf Coast Community Credit Union: New Chance Checking features online banking and bill pay. Requires $100 to open and a $15 monthly maintenance fee.
Magnolia Federal Credit Union: Opportunity Checking lets you earn $100 after 12 months of perfect account management.
MUNA Federal Credit Union: Fresh Start Checking comes with a debit card and you only pay a reasonable monthly service fee of $10.50.

Missouri Second Chance Banks

Columbia Credit Union: Fresh Start Checking features online home and mobile banking, bill pay, and requires a $15 monthly fee.
Electro Savings Credit Union: Fresh Start Checking features online banking and bill pay and requires a $10 monthly fee.
First State Community Bank: New Opportunity Checking can be opened with $50 and requiies a monthly fee of $7.95 with direct deposit/$9.95 without direct deposit.
Health Care Family Credit Union: Fresh Start Checking requires a $50 deposit and set up direct deposit for at least one recurring check. The monthly service fee is $10.
Montgomery Bank: Montgomery New Start Checking features a debit card, online banking and bill payment. Can be opened with a $20 deposit.
St. Louis Community Credit Union: Second Chance Checking comes with checks, a debit card and direct deposit. After 60 days of direct deposit, you may quality for Overdraft Privilege up to $200.
Town & Country Bank: Opportunity Checking has a $6.00 monthly service fee with direct deposit; $8.00 monthly service fee without a direct deposit.
United Consumers Credit Union: Second Chance Checking Features a debit card and requires $100 to open and a $10 monthly service charge.
United Credit Union: Restore Checking requires a $10 monthly fee and features a free debit card and free bill pay.
Wood & Huston Bank: StartFresh Checking requires a $6.95 monthly fee and features a free debit card and free bill pay.

Montana Second Chance Banks

Valley Federal Credit Union: Opportunity Checking can be opened with a $50 minimum deposit plus $25 savings account required for membership.

Nebraska Second Chance Banks

Central National Bank: New Opportunity Checking requires $30 minimum to open and features free online & mobile banking. Monthly fee $7.99 with direct deposit or monthly fee $9.99 without direct deposit.

Nevada Second Chance Banks

Clark County Credit Union: CheckAgain Checking requires a $12 monthly fee, you receive full teller and phone center access, free online and mobile banking, and free debit card.
WestStar Credit Union: Fresh Start Checking includes online banking, bill payment and no minimum deposit to open.

New Hampshire Second Chance Banks

There were no second chance banking accounts found in New Hampshire, however, you can open an online checking at Chime.

New Jersey Second Chance Banks

Credit Union of New Jersey: Right Turn Checking includes free e-banking, bill payment and requires $100 to open with a $10 monthly service fee.
Jersey Shore Federal Credit Union: Fresh Start Checking may require direct deposit and payroll deduction. Open with a $25 deposit and $15 monthly service fee.
United Teletech Financial Federal Credit Union: Fresh Start Checking requires $25 to open and includes a monthly service charge of $10 a month.

New Mexico Second Chance Banks

Bank of Albuquerque: Opportunity Banking requires a $50 minimum opening deposit plus a $10 monthly service fee.
First American Bank: Second Chance Checking requires a $50 minimum opening deposit plus a $10 monthly service fee.
Lea County State Bank: Opportunity Checking requires a minimum opening deposit of $100. Customers enjoy a visa checkcard, online banking and bill pay.

New York Second Chance Banks

Alternatives Federal Credit Union: Fresh Start Checking features no monthly service fee, unlimited checkin, online and mobile access and no minimum deposit to open.
Bank of the Ozarks: Pathway Checking requires $50 to open and a $10 monthly service fee.
Centra Credit Union: Opportunity Checking takes $5 to open an Opportunity Savings Account. Once you’ve opened an Opportunity Savings account, then you can open an Opportunity Checking account.
Financial Trust Federal Credit Union: 2nd Chance Checking has a $10 monthly fee.
Fulton Savings Bank: New Opportunity Checking features Unlimited check writing and no per check charges. The monthly fee is $9.95 or $7.95 with direct deposit.
Genesee Valley Federal Credit Union: Fresh Start Checking gives individuals who have had financial difficulties in the past a second chance to enjoy the benefits of a Checking Account and the support needed to successfully manage the account.
Webster Bank: Opportunity Checking requires a minimum opening deposit of $50 and features free online banking, online bill pay and statement eDelivery.

North Carolina Second Chance Banks

American Partners Federal Credit Union: EZ 4U ATM Only Checking is primarily for members who are not eligible for a checking account. The ATM card may be used for “LIMITED” Point of Sale and ATM transactions in conjunction with your PIN number.
Charlotte Metro Credit Union: Fresh Start Checking features a low monthly fee, no minimum balance requirement, a free Visa debit card, and automatic overdraft protection from your savings account.
Excite Credit Union: Fresh Start Checking requires a $50 minimum opening deposit and a $10 monthly service fee.

North Dakota Second Chance Banks

There were no second chance banking accounts found in North Dakota, however, you can open an online checking at Chime.

Ohio Second Chance Banks

Buckeye State Credit Union: Second Chance Checking requires you to pass a checking account management course and requires a $40 deposit to open.
City National Bank: Bounce Bank Checking features free onlilne banking and bill pay. The monthly fee is $6.99 with direct deposit $8.99 without.
Eaton Family Credit Union, Inc.: 2nd Chance Checking requires a $10 monthly service fee and direct deposit of payroll is required.
Hopewell Federal Credit Union: Rebound Checking comes with a monthly service charge of $8. After 12 months in good standing, the member can re-open a regular checking account.
Kemba Federal Credit Union: Fresh Start Checking features no minimum balance requirement, unlimited check writing, free and unlimited use of online & mobile banking.
Members Trust Federal Credit Union: Trust and Alternative Checking requires you to contact the Member Service Department at 800-769-8934 to determine if you are eligible for the second chance checking products.
Superior Credit Union: Fresh Start Checking has no minimum balance requirements but there is a $5.00 monthly fee. Features debit card and free online & mobile banking.

Oklahoma Second Chance Banks

Allegiance Credit Union: Fresh Start Checking requires a minimum opening deposit of $25 and the monthly fee is $10.
Bank of Oklahoma: Opportunity Banking requires a $50 minimum opening deposit plus a $10 monthly service fee.
Citizens Bank of Edmond: Fresh Start Checking does not require a minimum balance to open. The account comes with a $10 monthly service charge.
Oklahoma Educators Credit Union: Fresh Start Checking requires direct deposit. Features a visa check card and free online banking.
TTCU Federal Credit Union: Fresh Start Checking can be opened with $5. Features no minimum balance, unlimited check writing and a $10 monthly service charge.
Weokie (Credit Union): Fresh Start Checking does not require a minimum balance to maintain and features unlimited check writing.
Western Sun Federal Credit Union: Fresh Start Checking has a monthly fee of only $10. However, if you keep an average monthly balance of $150, the charge will be waived for that month.

Oregon Second Chance Banks

Heritage Grove Federal Credit Union: Fresh Start Checking only takes a $5 deposit to open your share account and a $50 deposit to open your Fresh Start Checking account. There is a $10 monthly account fee.
Point West Credit Union: Fresh Start Checking features no minimum balance and a $10 monthly service fee.
Prarieland Federal Credit Union: Fresh Start Checking requires a $25 minimum balance. Features online banking and bill payment, free monthly checking, plus a debit card.

Pennsylvania

Clarion Federal Credit Union: Second Chance Share Draft requires direct deposit and features a debit card, online banking and bill pay.
Commonwealth One Federal Credit Union: Solutions Checking requires a $10.00 monthly maintenance fee. Must be opened in a branch location.
Corporate America Family Federal Credit Union: Fresh Start Checking requires a $10.00 monthly maintenance fee. Keep a minimum balance of $100 in your Regular Share Account.
Utilities Employees Credit Union: Second Chance Checking features no minimum balance, an initial deposit of $25 and a $12 monthly service fee. Upgrade to any other UECU Advantages Checking™ Account after only six months without incurring any non-sufficient fund (NSF) fees.
West Branch Valley Federal Credit Union: Back on Track Checking let's you easily add money to your checking account, pay bills online, and shop and pay with your Visa check card.

Rhode Island

There were no second chance banking accounts found in Rhode Island, however, you can open an online checking at Chime.

South Carolina Second Chance Banks

Caro Smart Financial Solutions: Rebound Checking requires a minimum deposit of $25 and a $15 monthly service fee.
Carolina Trust Federal Credit Union: Encore Checking requires a monthly service and after 6 months of healthy account management, you can request a VISA debit card.
HopeSouth Credit Union: Fresh Start Checking has a monthly service fee.
Market USA Federal Credit Union: Fresh Start Checking features no minimum balance requirements, no monthly maintenance fees or per-check charges and a free Visa ceck card.
Peach State Federal Credit Union: Fresh Start Checking gives you access to a debit card and you may request to upgrade to a Basic or Premium Checking Account 12 months after opening.
Vital Federal Credit Union: Fresh Start Checking features no minimum balance but requires direct deposit and monthly fee of $15.00.

South Dakota Second Chance Banks

There were no second chance banking accounts found in South Dakota, however, you can open an online checking at Chime.

Tennessee

First National Bank: Credit Builder features a free debit card, online banking with bill pay, semi-annual credit counseling and no minimum opening deposit.
Greater Eastern Credit Union: Fresh Start Checking is designed for members that had some bumps along the way and need a fresh start. Features a monthly service charge of $10.00, limited check writing – 20 per month, Visa check card and free bill pay.
Holston Methodist Federal Credit Union: Second Chance Checking requires a $10.00 monthly service charge, a Visa debit card and free bill pay.
Home Federal Bank: Square One Checking requires $50 to open, $10 one time set up fee and $12.99 monthly maintenance charge if you have direct deposit or $19.99 monthly service charge if you don't have direct deposit.
Select Seven Credit Union: Second Chance Shardraft requires a $10 Monthly service fee but after 12 months of good history NO monthly service fee. Features a Free Visa Check Card and checks are available for a small fee.

Texas Second Chance Banks

Abilene Teachers Federal Credit Union: Restart Checking features a free debit card, no monthly service charge, unlimited check writing and a $5 monthly fee.
Allied Federal Credit Union: Fresh Start Checking is designed for members who have been turned away from other financial institutions due to past account discrepancies and comes with a $10.00 monthly service charge.
Associated Credit Union of Texas: 180 Checking comes with a free debit card, unlimited check writing, no minimum balance and a $10 monthly fee.
Bank of Texas: Opportunity Banking requires $50 minimum opening deposit, $10 monthly service fee or $5 monthly service fee with a qualifying direct deposit of regular monthly income of at least $300 per statement cycle.
Baptist Credit Union: Draft Builder Checking is for members who want to rebuild their financial record and requires a $10 monthly service fee.
Chocolate Bayou Credit Union: Clean Slate Checking features unlimited check writing, earn unlimited cash back with CardCash™, a $5 monthly fee. There is no minimum balance fees or requirements.
Diamond Bank: Encore Checking requires $100 to open and comes with a monthly service charge of $10 that can be reduced to $8 with direct deposit.
First Service Credit Union: Fresh Start Checking can be opened with $25 and enjoy no minimum balance requirement. The monthly fee is $9.
Houston Metropolitan Federal Credit Union: Freedom-2nd Chance Checking requires a $10 monthly service fee if minimum daily balance not maintained
$250.
Kelly Community Federal Credit Union: Smart Choice Checking requires that any ChexSystems record of less than $800 unpaid is eligible for Smart Choice Checking. This account has an $8 monthly fee.
MemberSource Credit Union: Select Checking features online banking, mobile banking and bill payer, and checks and even a Visa® debit card, plus unlimited free ATM transactions at Allpoint ATMs. A monthly fee and a one time account opening fee will be charged.
Members Trust Federal Credit Union: Second Chance Checking requires a $50 minimum, opening deposit and in 6 months, you can apply for a Visa Check Card.
Memorial Credit Union: New Path Checking requires $5 to open and you must have direct deposit to savings prior to opening. There is a $10 monthly fee.
Nascoga Federal Credit Union: Fresh Start Checking requires $25 minimum deposit and the monthly service fee is $10 without direct deposit and $7.50 with direct deposit. Eligible to switch to Free Checking after 12 months, if the account is maintained properly.
Neigborhood Credit Union: Fresh Start Checking requires a $25 minimum opening deposit and a $20 monthly service fee.
North East Texas Credit Union: Fresh Start Checking requires a $50 minimum balance and a $10 monthly service fee.
Peoples Bank: Second Chance Checking requires a $30 opening deposit and features check writing, online banking bill pay and mobile banking.
Premier America Credit Union: Fresh Start Checking requires $100 to open and features online banking, bill pay and mobile banking.
Prestige Community Credit Union: Fresh Start Checking requires a $10 monthly fee with direct deposit or $15 monthly fee without direct deposit. Minimum direct deposit amount is $400 per month.
Red River Credit Union: Fresh Start Checking features a Visa debit card, online banking, mobile banking, and bill pay. There is a $10 monthly maintenance fee.
Rio Bank: Fresh Start Checking requires $100 opening deposit and comes with a $11.76 monthly service fee and a $1.76 ATM transaction fee.
Select Federal Credit Union: Fresh Start Checking requires $25 minimum to open and the account subject to a monthly service charge of $10.00.
Southside Bank: Next Checking requires a $50 minimum opening deposit and a $9.95 monthly service fee.
Tarrant County’s Credit Union: Fresh Start Checking features free unlimited check writing, online banking and bill pay.
United Heritage Credit Union: Choice Checking requires a minimum opening balance of $20, a $10 monthly service fee and features unlimited check writing, online banking and bill pay.
Unity One Credit Union: Clean Start Checking requires an opening deposit of $50. There is a monthly fee for this account but after 12 months of good checking history, you can upgrade to a free checking account.

Utah Second Chance Banks

American United Federal Credit Union: FreshStart Checking features online banking, bill payment and a debit card. There is a small fee to open & a small monthly fee.
Cyprus Credit Union: Fresh Start Checking there is a $25 account opening fee as well as a monthly fee of $5.

Vermont Second Chance Banks

There were no second chance banking accounts found in Vermont, however, you can open an online checking at Chime.

Virginia Second Chance Banks

Central Virginia Federal Credit Union: Fresh Start Checking features a debit card, low monthlly fee and no minimum balance requirement.
CommonWealth One Federal Credit Union: Solutions Checking requires a visit to a branch to open this second chance checking account.
Healthcare Systems Federal Credit Union: Renew Checking features a debit card, online banking, bill for a $10.00 monthly fee.
Member One Federal Credit Union: Smart Choice Checking requires you to visit a branch location to learn about the Smart Choice Checking Account.

Washington

MountainCrest Credit Union: Fresh Start Checking requires a $25 minimum to open and a $10 monthly service fee. Features unlimited monthly transactions, online banking and bill pay.

West Virginia

Clear Mountain Bank: StartFresh Checking requires a $50 minimum opening deposit. Feaures no minimum balance requirement, unlimited check writing and a debit card.
West Virginia Federal Credit Union: Fresh Start Checking requires $100 minimum deposit and a monthly maintenance fee. Features unlimited check writing and a debit card.

Wisconsin Second Chance Banks

Brewery Credit Union: Fresh Start Checking requires direct deposit and a monthly fee.
Dane County Credit Union: Relationship Builder Checking requires initial deposit of $5 in savings and $20 into checking.
First National Bank and Trust Company: Renew Checking requires a $25 minimum balance to open account and a low monthly service fee.
Tomahawk Community Bank: Fresh Start Checking requires $50 to open plus a $10 set-up fee and a $10 monthly service fee.
WESTconsin Credit Union: Foundations Checking requires debit card use only—no checks will be issued plus an $8.00 monthly service fee.

Wyoming

Greater Wyoming Federal Credit Union: Freshstart Checking requires a higher minimum required deposit and monthly service charge apply.
WyHy Federal Credit Union: Second Chance Checking requires $25 to open and a monthly service charge of $10.00 if you have direct deposit/$15.00 if you don't have direct deposit.
WYO Central Federal Credit Union: 2nd Chance Checking comes with a debit card which allows you the ability to rebuild a positive history with a financial institution.
Valley Federal Credit Union: Opportunity Checking requires $50 minimum deposit and features free online banking & bill pay and a debit card.

 

Use second chance checking to rebuild your financial health

Negative banking histories reported by ChexSystems, EWS and others effectively blacklist millions of Americans for banking mistakes. There's little opportunity to rebuild your banking history unless you take advantage of second chance checking.

With over 80% of financial institutions rely on checking account reporting companies, second chance banks or non-ChexSystems banks are among the few options.

Rebuild your financial health using second chance checking. According to a 2017 survey by the FDIC, 25 percent of U.S. households are unbanked or underbanked.

Why prepaid debit cards are not a long-term solution

Prepaid debit cards can act as a checking account but when you need additional financial resources, you're going to hit a wall. First, let me say that prepaid cards can help you manage your money efficiently because they only let you access funds that you load onto them before spending.

However, prepaid debit cards are very different from traditional checking accounts. Most banks and credit unions offer additional money management products such as overdraft protection, overdraft line of credit or a back-up savings account. While prepaid debit cards may work for a while, they are not a long-term solution as they have significant limitations.

Final thoughts

When you want to get back on track with your financial health, second chance checking offers the best solution. Building a healthy banking relationship with a bank or credit union means access to personal, mortgage or business loans, multiple savings vehicles like high-interest savings accounts, CDs, money market accounts and perhaps even retirement account options like IRAs.

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