Get back into banking with a fresh start checking account in West Virginia. 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 West Virginia. 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.
West Virginia 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.
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Rewards Checking customers earn 2% cash back on common everyday expenses at convenience stores, drugstores, restaurants, and bars – including deliveries – and gas stations, as well as recurring payments on utilities and monthly subscriptions including phone, cable, TV and other streaming services, and 1% cash back on all other debit card charges. 2% cash back is limited to $500 in rewards per calendar year; after $500, customers earn 1% cash back on all eligible debit card charges for the remainder of the year. Some limitations apply. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information.
Upgrade is a financial technology company, not a bank. Rewards Checking services provided by 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. Personal Loans made by Upgrade's bank partners. Personal Credit Lines are issued by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. The Upgrade Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.
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.
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Clear Mountain Bank
Clear Mountain Bank offers a Start Fresh Checking account requires a $50 minimum opening deposit. Features include unlimited check writing, visa check card, mobile and telephone banking.
West Virginia Federal Credit Union
West Virginia Federal Credit Union offers a Fresh Start Checking account that requires a $100 minimum initial deposit. It comes with unlimited check writing and a free debit card. If you maintain your Fresh Start Checking in good standing for 1 year, you may request the Regular Checking package.
United Bank
United Bank offers several checking accounts and they do have a free account for everyone. The “United FREE Checking offers No minimum balance; No monthly service charge; No per check charge; Unlimited check writing; United VISA® Check Card*; FREE Online Banking; FREE Bill Pay and eStatements. They do not use ChexSystems. The minimum opening deposit is $50.
Washington Savings Bank
The Rewards Card Checking offers deposit of payroll or government benefit with a monthly fee of $5.05 and $7.95 per month without direct deposit, you'll receive a checkbook and Mastercard® debit card with no overdraft fees or ATM fees! Free nationwide ATM access at over 55,000 Allpoint®.
Woodforest
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.