Second Chance Checking Accounts in Florida

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 60,000 fee-free ATMs, early direct deposit, and cash deposit options at more than 8,500 Walgreens locations.

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 $300, plus earn a competitive 3.80% 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.

There are no monthly fees, no balance requirements, and the account comes with a free debit card, online banking, eStatements, bill pay, and unlimited check writing.

After 12 months in good standing, you may upgrade to a regular account.

Centennial Bank has locations throughout Florida, including Pensacola, Panama City, Crestview, Baker, and Fort Walton Beach.

The account provides a Visa debit card, online banking, mobile access, and check writing.

There’s a $25 opening deposit requirement and a $10 monthly fee. Membership is available to residents of Baker, Clay, Duval, Flagler, Nassau, Putnam, or St. Johns counties.

This account includes a free Visa debit card, online/mobile banking, free Zelle transfers, and bill pay. There are no monthly service fees or minimum balance requirements.

Compass Financial serves Florida communities with branches in Medley and Miami.

The account requires a $50 opening deposit, no ongoing minimum balance, and comes with mobile banking, online access, and surcharge-free ATM use.

After 12 months in good standing, you may qualify for a standard account.

With a low $25 opening deposit and a $5 monthly fee, you’ll receive a Visa debit card, online banking, and free bill pay.

Maintain a clean record for 12 months to become eligible for a standard account that carries no monthly fee.

First Florida CU serves Central Florida with branches in Altamonte Springs, Kissimmee, Orlando, and Sanford.

There’s no minimum balance, and members get online banking, a debit card, unlimited check writing, and access to over 5,600 surcharge-free ATMs through the Co-Op network.

You can upgrade to a standard account after 12 months of good standing.

Branches are located in West Palm Beach, Port St. Lucie, Belle Glade, Royal Palm Beach, Boynton Beach, and CU Center.

The account requires a $25 deposit and has a $10.95 monthly fee. Members get a free debit card, online banking, and overdraft transfer protection.

Gulf Winds serves Pensacola, Tallahassee, and Crawfordville with multiple locations.

Membership is open to anyone in Miami-Dade County, along with select Puerto Rico regions and relatives of current members. Account holders get access to debit cards, mobile banking, and essential banking services.

Branches include Coconut Grove, Doral, Hialeah, and Miami.

The account includes a free debit card, unlimited check writing, mobile banking, and access to 55,000+ AllPoint ATMs. No minimum balance is required, and after 12 months, you may qualify for a standard account.

Liberty operates locations in Sarasota and Venice.

You’ll get a Visa debit card and full access to banking services. Membership is open to residents, workers, or students in 15 Florida counties.

Branches are located in Pensacola, Tallahassee, Panama City, and Crawfordville.

Membership is available to individuals who live, work, study, or worship in Orange, Osceola, Seminole, or Lake counties.

McCoy operates multiple branches throughout Orlando.

There’s no minimum deposit to open and a $12 monthly fee. You’ll receive a free debit card, online/mobile banking, and ATM privileges (with daily withdrawal limits).

After 12 consecutive months without overdrafts or NSFs, you can request to upgrade to a Regular Checking account.

Branches are located throughout Pace and Pensacola Florida.

You can open the account with a $25 deposit and it carries a $5 monthly fee.

The account includes a free Visa debit card, unlimited check writing, mobile and online banking, e-statements with check images, and full bill pay services. Overdraft protection is also available.

Branches are located in northern Gulf Coast Florida, including Crestview, Fort Walton Beach, and nearby areas.

With a $25 opening deposit and a $7 monthly fee, this account includes a Visa debit card, mobile and online banking, e-statements with check imaging, and full bill pay. Overdraft protection is available.

Priority CU serves communities in and around Broward and Miami-Dade counties, including branches in Hollywood, Miramar, and Pembroke Pines.

Membership requires living, working, studying, or worshiping in Eastern Pasco or Eastern Hernando County. After 12 months in good standing, members can upgrade to a standard account.

Branches are located in Dade City, San Antonio, Wesley Chapel, and Zephyrhills.

The $10 monthly fee is waived with payroll direct deposit. Completing two financial education options can make the account eligible for upgrade in just 10 months.

Branches are located in Miami and West Palm Beach.