2021 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.

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.

South Carolina 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.

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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