Who We Are

LetMeBank.com helps people with past banking issues find a way back in. Maybe you were denied an account because of a ChexSystems record. Maybe old overdrafts or a closed account still follow you around. Either way, we believe your history shouldn’t lock you out of the financial system.

We run an independent directory of banks and credit unions that offer second chance accounts or skip ChexSystems entirely, with dedicated pages for all 50 states and Washington DC.

How We’re Different

Most second chance banking lists online are copies of other lists, and many of the accounts on them no longer exist. We do it differently. Every bank on this site is checked against its own website before we list it, and we remove accounts when they disappear.

You can read exactly how we verify listings, and how we make money, in our editorial policy.

Our Mission

Our goal is simple: help you open a bank account, even if you’ve been denied before.

We focus on:

Verified options: Every second chance account we list is confirmed on the bank’s own website, in the state where we list it.
Honest labels: We tell you the difference between accounts that approve you despite your ChexSystems record and banks that reportedly never check it.
Clear guidance: Plain-English explanations of ChexSystems, TeleCheck, and Early Warning Services, plus how to dispute errors on your reports.

What We Cover

Second chance checking accounts: Banks and credit unions that see your history and approve you anyway, listed state by state.
Non-ChexSystems banks: Institutions that reportedly skip the ChexSystems check during account approval.
The reports behind denials: Guides to ChexSystems, TeleCheck, and EWS, including how to get your reports and fix mistakes.
Avoiding repeat problems: How to steer clear of the fees and mistakes that put people in ChexSystems in the first place.

Contact Us

Got a question? Found a bank on our list that denied you, or an account that no longer exists? Tell us. Corrections make the site better for the next person.