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.
West Virginia 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.
Chime is primarily a spending account to conduct your daily expenses that anyone can open. Get paid up to 2 days early with early direct deposit. Other features include no overdraft fees and no monthly service fees. If you need a check written, Chime will create and mail a paper check for you at no charge. No opening deposit required. If you open a savings account too, you can save money when you make a purchase or pay a bill with your Chime Visa® Debit Card. Chime will round up transactions to the nearest dollar and transfer it to your savings account.
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 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 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.
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 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.