2021 List of Utah Second Chance Checking Accounts

Get back into banking with a Utah Non-ChexSystems bank. 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.

Online Utah Second Chance Checking Accounts

Current Banking – Free overdraft up to $100

Current Premuim Checking Account does not use ChexSytems or a credit report to open checking accounts. One unique feature Current offers is no-holds on debit card gas purchases. Some gas stations may apply a hold of up to $100 when you use a debit card. These holds lock the amount being held, making it unavailable for spending. The Current debit card will immediately refund the hold so that you don’t have available funds locked for days.

Current Premium Checking Account Features

  • No minimum balance.
  • No overdraft fees when you overdraw by up to $100 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.
  • Deposits are FDIC-insured up to the highest possible amount allowed: $250,000.

Chime Spending Account – Free overdraft up to $200

Chime has a good online-only checking and savings account for individuals. 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. It pays one of the highest APYs in the industry right now at 0.50% APY.

Chime Spending Account Features

  • Get your direct deposit up to 2 days early.
  • Chime Visa® Debit Card.
  • No minimum opening deposit.
  • An optional savings account earns 0.50% (APY).
  • Leniency for people with previous checking account problems.
  • No overdraft fees for overdrafts up to $200 with SpotMe, if you qualify.
  • 60,000+ fee-free ATMs3 at stores you love, like Walgreens®, CVS®, and 7-Eleven®. Out-of-network fees apply.
  • Banking services provided by The Bancorp Bank or Stride Bank, N.A.; Members FDIC-Insured up to $250,000.

Sable Banking

The Sable Checking account gives you everything you’d expect from a traditional checking account without the fees. Get second chance banking by downloading the Sable Banking App.

Sable banking offers a way to open a checking account with bad credit to get back to banking. You can start using your account and card as soon as you complete the application and your account is verified. Your physical debit card will be shipped to your mailing address within 5 – 8 business days after you open your account with Sable. However, you can start using your virtual card for online transactions as soon as you deposit money and it is credited into your account.

Sable Account Features

  • Sable has no minimum balance requirements. No monthly service fees. No overdraft or transfer fees. No foreign transaction fees.
  • Enjoy 1% cash back on your purchases, when you use your Sable Debit card on eligible purchases with merchants like Amazon, Netflix, Hulu, Uber, Uber Eats, Spotify, and Whole Foods.
  • Sable currently works with all ATM's that accept MasterCard. Sable does not charge any fees for ATM withdrawals however the ATM provider may charge a fee.
  • Get instant transaction notifications on your cell phone.
  • Send and receive money from over 55+ countries for no fee.1
  • Add funds from international bank accounts or debit cards directly through the Sable app.
  • FDIC Insured up to $250,000*.

SoFi Money Account

The SoFi Money Account can be opened with a minimum of $10 with a debit card or an existing checking account. Get a $25 welcome bonus for opening a new account plus, if you sign-up for direct deposit you can get an additional $100 bonus.

SoFi Money Account Features

  • $10 Minimum opening deposit.
  • Get paid up to 2 days earlyˆ with direct deposit.
  • Earn 0.25% APY which is 8x the national rate for savings accounts.
  • No-fee Overdraft Coverage.
  • 55,000+ fee-free ATMs worldwide within the Allpoint Network.
  • Get up to 15% cash back on everyday expenses when you pay with SoFi Money.
  • Automated bill pay.
  • FDIC-insured deposits up to $1.5MM through the SoFi Money sweep program with partner banks.

Utah Second Chance Checking Accounts

Zions Bank

Zions Bank offers the OnBudget Banking account for customers that need a second chance at banking. It's a no-overdraft-fee bank account that helps keep customers aligned with their financial goals. The checkless account comes with a debit card for making payments and accessing funds. Zions Bank has local statewide full-service branches.

OnBudget Banking Features

  • Spend without the worry, there are no overdraft fees, insufficient funds fees, or sustained overdraft fees.
  • Open your account with a minimum deposit of $25.
  • Move your money digitally with direct deposit, automatic withdrawals, and Zelle®.
  • Go paperless with eStatements, eNotices, and eTax Documents.
  • Get cash when you need it with no charges at any Zions Bank ATM<./li>
  • There is a $5 flat monthly service fee for the OnBudget Banking account.
  • Check writing and Online Bill Pay features are not available with the OnBudget Banking account.

American United Federal Credit Union

American United Federal Credit Union offers a “Fresh Start Checking Account” even if you have been turned away by other financial institutions. In most cases, this option is available to members regardless of past credit problems and issues with bounced checks. The account features free online banking and online bill pay, free mobile banking, direct deposit, and a Visa debit card.

Cyprus Credit Union

Cyprus Credit Union offers a Fresh Start Checking account that requires a $25 account opening deposit as well as a monthly fee of $5. After 12 consecutive months with no Non-Sufficient Funds (NSF) fees and upon your request, Cyprus will convert your account to a traditional Cyprus checking account.

Bank of America

Bank of America Advantage SafeBalance Banking Account is a no-frills account that offers basic banking with the exception of check writing. The monthly fee is $4.95 but it can be waived if you enroll in the Preferred Rewards program.

Chase Bank

THe Chase Secure Banking Account has no fees on most everyday transactions. Pay bills, cash checks, and send money – all for a low $4.95 monthly service fee. Customers can access a free credit score and get alerts to help you identify fraud with Chase Credit Journey. Access cash from nearly 16,000 ATMs.


The KeyBank Hassle-Free Account requires a $10 opening deposit. It is a checkless account with no monthly maintenance fees. Customers get a debit card and access to secure mobile banking with none of the fees.

Wells Fargo Bank

The Wells Fargo Clear Access Account offers simple banking with no overdraft or non-sufficient funds (NSF) fees. Stay on track – with no ability to write checks from the account, you can only spend what you have in the account. Customers get the convenience of a contactless debit card, the Wells Fargo Mobile® app, and access to digital payments.

US Bank

The US Bank Safe Debit Account is a basic account without the checks. The monthly maintenance fee is $4.95 and cannot be waived. Customers get a U.S. Bank Visa® Debit Card, online and mobile banking with mobile check deposit, bill pay, and more. There are no overdraft fees. Customers get free credit score access and
discounts on money orders.