Second Chance Checking Accounts in Arizona

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.

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.

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.

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.

The account has a $10 monthly fee and includes bill pay, access to Alhambra ATMs, and four free non-network ATM withdrawals per month. Additional out-of-network withdrawals cost $2.25 each.

Branches are located in Phoenix and Glendale.

The account requires $20 to open and has no monthly service fee. It includes debit card access, direct deposit, bill pay, mobile check deposit, and digital tools to help you manage your account.

Arizona Financial says this account is designed to give members a fresh start while still providing access to a real checking account.

Arizona Financial Credit Union has branches in Avondale, Chandler, Fort Mohave, Gilbert, Glendale, Kingman, Lake Havasu City, and more.

The account offers standard checking features, but Banner monitors account activity and provides support if financial issues arise.

After one year in good standing, you can apply for an upgrade to a traditional checking account. Banner Federal has locations in Glendale, Phoenix, and Mesa.

It offers unlimited check writing, digital banking, a Banterra Visa® Debit Card, and free use of Banterra ATMs and ITMs.

There’s no minimum balance required, making it easier to manage your money while rebuilding your financial history. Banterra operates Arizona branches in Scottsdale and Tempe.

It features online banking, mobile access, bill pay, and a free Visa debit card.

The monthly fee is $9.95 with direct deposit or $14.95 without. Paper statements cost $1.50 unless you opt for e-statements. After 12 months of responsible use, you may qualify for an account upgrade.

BOK Financial has branches in Phoenix, Tucson, and Scottsdale.

The account has a $10 monthly fee and gives you access to a debit card, online banking, mobile banking, and direct deposit. Credit Union West says the account is designed to help you work toward financial stability.

Fresh Start Checking may include overdraft-related fees. Credit Union West’s fee schedule lists a $25 overdraft coverage fee, while unpaid NSF items have no charge.

Credit Union West has branches in Buckeye, Glendale, Peoria, Phoenix, Prescott Valley, and Sun City West.

The account has a $10 monthly fee and requires a $50 opening deposit. You can make 50 free transactions per month, with a $0.20 fee for each additional transaction. Mobile banking is included.

After one year of managing the account responsibly, you may become eligible for a standard checking account. Branches are located in Sells and Casa Grande.

The account includes unlimited check writing, a debit card, mobile access, remote deposit, alerts, and fee-free access to over 50,000 ATMs.

A $10 monthly fee applies. Pima Federal serves residents across Arizona with branches in Tucson, Green Valley, Oro Valley, and Springerville.

The account has no monthly service fee, and Pyramid says there is no minimum checking deposit. It includes core checking features, along with online and mobile banking access.

Pyramid also lists Overdraft Privilege for eligible checking accounts after 90 days, so this may not be the best fit if your main goal is avoiding overdraft fees altogether. Still, it is a clear second-chance option for members who need a way back into banking.

Pyramid Federal Credit Union is based in Tucson.

To qualify, you must be at least 18, have no outstanding balances with TFCU, and no history of fraud or active delinquencies.

The account includes standard checking features, and after 12 months in good standing, you may upgrade to a traditional account and apply for a TFCU credit card.

The account includes mobile and online banking, person-to-person payments, and no overdraft or NSF fees. After building positive account history, you can upgrade to a regular checking account.

WaFd Bank has locations throughout Arizona, including Phoenix, Scottsdale, Mesa, Prescott Valley, Tucson, and beyond.