BBVA ClearChoice Checking
Best Overall Second Chance Checking Account
If you are in search of a second chance checking account, BBVA Compass is our top recommended choice. You can open this account with a minimum deposit of just $25, and rest easy knowing there is no monthly service charge. There are no ATM withdrawal fees, and you get your own personalized Visa debit card.
This account comes with a full suite of online banking features, making it easy to monitor accounts, search through transactions, pay your bills, transfer money and more.
Technically, both a regular version of this account and a second chance version are offered. Depending on your credit history, you may be approved for the regular account.
If you are denied a regular account, you will be offered the second chance banking account. This account includes all the same features as the regular account for a low monthly fee of $13.95. After you have developed a relationship with the bank, you may be re-evaluated later for the regular account. From that point on, you can bank fee-free. Anyone can open an account!
Open an Account OnlineThe following banks and credit unions offer excellent features and benefits. While we recommend them, they are not our top picks for the simple reason that they are not guaranteed banks. They have however helped a lot of people, and may be able to help you too.
| Financial Institution | Product |
| PNC Bank | Foundation Checking |
| First American Bank | Fresh Start Checking |
| Republic Bank | Checking Builder |
| Alabama Credit Union | Fix It Checking |