Second Chance Checking Accounts in Colorado

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.

The account comes with a debit card, online banking, mobile access, bill pay, and one annual overdraft fee refund. Monthly fees are $9.95 with direct deposit or $14.95 without. Paper statements cost $1.50 unless you enroll in e-statements.

A $50 opening deposit is required, and you may qualify for an upgrade to a standard account after 12 months of responsible use.

BOK Financial has branches in Denver, Colorado Springs, Aurora, Boulder, Littleton, Highlands Ranch, and other cities across the state.

The account includes a Visa debit card, unlimited check writing, mobile and online banking, and access to over 55,000 Allpoint ATMs. You can also get paid up to two days early.

There’s a $10 monthly fee and no minimum balance requirement. After 12 months of no NSF activity, you may qualify to upgrade to a standard account.

Liberty Savings Bank has branch locations in Denver.

Membership is available to those who live or work in Centennial or are employed by partner organizations. Family members of existing members also qualify.

You’ll need to open a share account with a $25 deposit. Branches are located in Centennial and Denver, with access to shared branching through the CO-OP network.

The account requires a $100 opening deposit and carries a $10 monthly fee. There’s no ongoing minimum balance, unlimited check writing, and included services like direct deposit, bill pay, and e-statements.

Membership is open to anyone who lives, works, worships, or attends school in Montrose, Gunnison, Ouray, or San Miguel counties. NuVista has branches in Montrose and Gunnison.

The account requires a $25 opening deposit and has a $5 monthly fee. It includes online banking, mobile access, and a Visa debit card.

After 12 months of good standing, the account may convert to a traditional checking account. Sunflower Bank has locations throughout Colorado, including Denver, Boulder, Longmont, Pueblo, and Canon City.

There’s no minimum balance required, and the account includes mobile banking, direct deposit, and access to over 30,000 CO-OP ATMs. You’ll also get a Visa debit card.

Maintain good standing, and you may qualify for an upgrade to Preferred Checking. Zing CU serves the Denver area with branches in Denver and Littleton.