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2022 List of South Carolina Second Chance Checking Accounts


South Carolina residents living without a bank account are paying more to cash checks, pay bills and are not able to save for the future. ChexSystems or bad credit has hindered a large number of Americans from having access to traditional checking or savings accounts. Fortunately for the citizens of South Carolina there are several banks offering second chance accounts and even South Carolina non-ChexSystems banks.

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.

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

South 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.

Carolina Trust Credit Union

The Encore Checking is a second chance account with certain restrictions, including a monthly fee. After 6 months of good account management, you may request to upgrade your ATM card to a VISA® debit card. After twelve months, you may apply for a free checking account.

First Reliance Bank

They offer a “CheckNSave” program and say “Anyone is eligible for a checking account – even if you’ve been turned down for a checking account at another bank.” The minimum to open is $50 and there is a $5.00 monthly maintenance fee.

Carolina Collegiate Federal Credit Union

The minimum balance to open the “Rebound Checking” account is $25, with no minimum balance required after the initial opening deposit. Checks, Courtesy Pay, and bill Pay are unavailable with this account and direct deposit is required. The monthly service fee is $15.

Founders Federal Credit Union

The checking account requires a credit report and proper identification. No mininum balance. No monthly fees when you receive eStatements and a free Visa Debit Card.

Vital Federal Credit Union

VITAL FCU has a Fresh Start Account that comes with a monthly fee of $15. The checking account is a non-interest bearing account and direct deposit is required. There is no minimum balance required.


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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