Second Chance Checking Accounts in Alaska

Opening a bank account in Alaska isn’t always easy if you’ve had overdrafts, unpaid fees, or negative marks on your record. Many banks use ChexSystems or similar screening tools that flag past banking issues, which can make it harder to get approved.

Second chance checking accounts give you a way to reset and start rebuilding your banking history.

5 Banks & Credit Unions Offering Second Chance Bank Accounts in Alaska

Below, you’ll find banks and credit unions in Alaska that offer second chance checking accounts for people with previous banking challenges.

Current

Our Top Pick

Features & Benefits

  • Build credit automatically with your debit card activity
  • No monthly fees or minimum deposit required
  • Over 40,000 Allpoint ATMs nationwide
  • Early direct deposit—get paid up to 2 days sooner

Current gives you a simple way to open a checking account without ChexSystems or credit checks. You can start building credit by using your debit card for everyday purchases—no loans, hard inquiries, or interest involved.

There’s no minimum balance to maintain, no hidden fees, and access to thousands of fee-free ATMs across the U.S.

Current’s Premium account also includes early direct deposit and Savings Pods that earn up to 4.00% APY, helping your money grow without sacrificing flexibility.

Chime

Features & Benefits

  • No ChexSystems checks or credit pull
  • Open an account with no minimum deposit
  • Access over 60,000 fee-free ATMs nationwide
  • Optional secured credit card to help build credit

Chime makes it easy to open a checking account, even if your banking history isn’t perfect. There are no monthly fees, no foreign transaction charges, and no minimum balance required.

You can also boost your credit with the Chime Credit Builder Visa®—a secured card with no credit check, no annual fee, and no interest charges.

Chime gives you access to over 60,000 fee-free ATMs, early direct deposit, and cash deposit options at more than 8,500 Walgreens locations.

SoFi

Features & Benefits

  • Earn up to $300 with qualifying direct deposit
  • No monthly fees or minimum balance requirements
  • Up to 3.80% APY on savings balances
  • Access to 55,000+ fee-free ATMs

SoFi’s Checking and Savings account is designed to help you keep more of your money. There are no monthly maintenance fees, no overdraft fees, and no minimums to worry about.

Set up direct deposit, and you can unlock a sign-up bonus of up to $300, plus earn a competitive 3.80% APY on your savings. Checking accounts earn 0.50% APY as well.

You’ll also have access to over 55,000 fee-free ATMs and the ability to get paid up to two days early with direct deposit.

True North Federal Credit Union

The True Options Checking account from True North Federal Credit Union is designed for Alaskans who need a second chance at banking.

This account helps you rebuild your checking history while still giving you access to essential features like online banking, mobile banking, and the option to qualify for a MasterCard debit card.

There’s a $10 monthly service fee, and branches are available in both Anchorage and Juneau.

Wells Fargo

Wells Fargo’s Clear Access Banking account offers a practical option for those who may not qualify for traditional checking accounts due to negative marks in their banking history.

The account requires a $25 opening deposit and has a $5 monthly fee, which is waived for account holders between the ages of 13 and 24. You’ll get full access to mobile banking, online bill pay, and over 13,000 fee-free Wells Fargo ATMs.

For Alaska residents, Wells Fargo has convenient locations in Anchorage, Fairbanks, and Juneau.