Second Chance Checking Accounts in Arkansas

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—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®—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 that does not require ChexSystems or a credit check. This makes it accessible if you have 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.

The account is managed through the Stash mobile app. The app also gives you tools for investing and budgeting.

It includes online banking, mobile access, bill pay, and a debit card. You’ll pay $9.95 per month with direct deposit or $14.95 without. Paper statements cost $1.50 unless you opt for e-statements.

The account requires a $50 opening deposit, and customers can request one overdraft fee refund per year. After one year of responsible account management, you may qualify for an upgrade.

BOK Financial has locations in Fayetteville and Bentonville.

You’ll need $100 to open the account, and the $10 monthly fee drops to $8 with direct deposit. Benefits include unlimited check writing, mobile deposit, and an instant-issue debit card.

Diamond Bank has branches throughout Arkansas, including Hot Springs, Glenwood, Nashville, Hope, Mena, and Texarkana.

The account requires $50 to open, and monthly fees are $8.50 with direct deposit or $11.50 without. You get unlimited check writing (checks available for purchase) and a free debit card, subject to approval.

Maintain the account in good standing for a year, and it automatically converts to Regular Checking. First Community Bank operates in cities like Little Rock, Batesville, Cabot, Conway, Jonesboro, and more.

The account comes with no minimum balance requirement, free digital banking with mobile check deposit, and a debit card. There’s a $7.95 monthly fee, but it drops to $5.95 with e-statements.

You can open the account with a $50 deposit. Focus Bank serves Arkansas communities including Paragould, Marmaduke, and Jonesboro.

You’ll get a free debit card, online banking, and surcharge-free ATM access within Red River’s network. The account has a $10 monthly maintenance fee, but no minimum balance is required.

Branches are located in Ashdown, Hope, Nashville, and Texarkana.

The account has a $5 monthly fee and requires a $100 opening deposit, which is held for the first 30 days. After 12 months of no NSF activity, you may qualify for a standard checking account.

Membership is available to those who live, work, or worship in Ouachita, Calhoun, Columbia, Union, or Dallas counties.

There’s no monthly fee, no minimum balance, and you’ll get access to digital banking, mobile check deposit, and thousands of fee-free ATMs through the CO-OP network.

The account also includes financial resources to help you progress to other checking options over time.

Arkansas branch locations include Bentonville, Fayetteville, Rogers, Springdale, Lowell, and Siloam Springs.