Second Chance Checking Accounts in Alaska

Andrew Collins

Opening a bank account in Alaska can be harder when your banking history includes overdrafts, unpaid fees, or other negative marks. If banks review ChexSystems or similar screening reports, those past issues may continue to affect new applications.

Second chance checking accounts give you a way to reset your banking access and start rebuilding your record. These accounts can help you move forward with basic banking tools while working toward a stronger financial footing.

7 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 customers with previous banking challenges.

You can also explore banks that don’t use ChexSystems in Alaska for another route to opening a new checking account.

SoFi

Our Top Pick
SoFi
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Features & Benefits

  • Earn up to $400 with qualifying direct deposit
  • No monthly fees or minimum balance requirements
  • Up to 3.30% 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 $400, plus earn a competitive 3.30% 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.

Apply online →

Current

Current
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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 lets you 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, with 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.

Apply online →

Chime

Chime
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Features & Benefits

  • No ChexSystems checks or credit pull
  • Open an account with no minimum deposit
  • Access over 47,000 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®. It’s a secured card with no credit check, no annual fee, and no interest charges.

Chime gives you access to over 47,000 fee-free ATMs, early direct deposit, and cash deposit options at more than 8,500 Walgreens locations.

Apply online →

Stash

Stash
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Features & Benefits

  • No hidden fees
  • Earn stock as you spend with Stock-Back® rewards
  • Get paid up to two days early with direct deposit
  • 55,000+ fee-free ATMs through Allpoint®

Stash offers a checking account with no ChexSystems review or credit check. This makes it accessible if you’ve had trouble opening accounts in the past.

Each time you use the Stash debit card, you earn Stock-Back® rewards in the form of small pieces of stock from the brands where you spend.

You can also receive your paycheck early through direct deposit. The account has no overdraft fees.

Everything is managed through the Stash mobile app, which also includes investing and budgeting tools.

Apply online →

True North Federal Credit Union

True North Federal Credit Union
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True North Federal Credit Union offers True Options Checking, a second chance account designed for Alaskans who need to rebuild their checking history after past banking trouble.

It gives you a way to get back on track while keeping access to the everyday banking services you rely on.

The account comes with online and mobile banking, and you may qualify for a MasterCard debit card. There’s a $10 monthly service fee, and unlike a standard checking account, this one doesn’t earn interest while you rebuild.

Chartered in Alaska in 1948 and owned by its members, True North has branches in Anchorage and Juneau, plus online and mobile access for members in more remote communities.

Apply online →

Walmart MoneyCard

Walmart MoneyCard
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For Vermonters who can’t qualify for a traditional account, the Walmart MoneyCard offers a no-ChexSystems prepaid option.

It isn’t a bank account, but it works much like checking for everyday use, with direct deposit, debit card access, mobile account management, and a linked savings feature.

Direct deposit can arrive up to two days early, and eligible users can opt into up to $200 in overdraft protection.

Savings balances earn 2.00% APY, and Walmart shoppers can earn up to $75 per year in cash back: 3% on Walmart.com, 2% at Walmart fuel stations, and 1% in stores.

The card has a $5.94 monthly fee, but it’s waived in any month with $500 or more in qualifying deposits. Since it’s available nationwide, Vermont residents can apply from anywhere in the state.

Apply online →

Wells Fargo

Wells Fargo
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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.

Apply online →

Second Chance Banks by State

Choose your state from the list below to find second chance checking accounts and see what options are available near you.

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