fbpx
Skip to content
Advertiser Disclosures

2022 List of West Virginia Second Chance Checking Accounts

west-virginia-non-chexsystems-banks-second-chance-checking

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.
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.

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 $4.95 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.