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2022 List of Wisconsin Second Chance Checking Accounts

wisconsin-non-chexsystems-banks-second-chance-checking

Wisconsin Fresh Start Checking can get you back to banking the traditional way. 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 Wisconsin. 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.

Wisconsin 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.


Brewery Credit Union

Fresh Start Checking at Brewery Credit Union comes has a $6.50 monthly fee and requires $100 monthly direct deposit even though there is no minimum balance requirement. Online banking and telephone banking along debit card plus unlimited check writing.

Educators Credit Union

Fresh Start Checking at Educators Credit Union can help you re-establish a checking account and get back on track. The minimum monthly balance requirement can be waived if you have three or more “Loyalty Pay Back services.” After a year of good use of your account, you may qualify for a standard checking account.

Schneider Community Credit Union

Schneider Community Credit Union offers a Fresh Start Checking.

Tomahawk Community Bank

Fresh Start Checking at Tomahawk Community Bank is for customers who have experienced previous banking
challenges. It requires a $50 opening deposit and comes with a $10 monthly fee and a one-time $10 new account set-up fee.

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®.

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