Georgia’s unbanked population is quite above the national average, coming in at 10.9% rather than just 7% nationwide. On top of people who don’t use a bank at all, an additional 26.9% of Georgia residents are considered underbanked, meaning they often go outside of traditional lenders to get cash or credit.

While some people may choose not to use a bank, others simply cannot qualify for a bank account. Oftentimes, this is due to a previous negative relationship with a financial institution. Things like unpaid fees or too many incidents of non-sufficient funds can hurt your ChexSystems record for five years.

Non-ChexSystems & Second Chance Banks in Georgia

What can you do in the meantime to help manage your finances? There are plenty of credit unions and banks that are designed to give you a second chance or that don’t use ChexSystems in Georgia. Here’s the comprehensive list.

*It’s important to note that while some banks listed may not use ChexSystems, they may utilize a similar system to do a credit check like Early Warning Service (EWS).


Our Top Pick
Apply Now

on Chime's secure website

With Chime, bad banking history is not an issue. They offer an award-winning financial app, a debit card, and a credit-builder Visa credit card, all with no credit check.

The Chime Spending Account is 100% free and has no monthly fees:

  • no overdraft fees
  • no monthly maintenance fees
  • no foreign transaction fees
  • no minimum balance fees

They’ll even spot you up to $200 on debit card purchases with no overdraft fees.

You can also start building your credit with the Chime Credit Builder Visa Credit Card. It’s a secured credit card with no annual fees, no credit checks, and no interest charges.

Chime has over 60,000 fee-free MoneyPass® and Visa® Plus Alliance ATMs. Plus, you can get your paycheck up to 2 days earlier with direct deposit. You can also deposit cash for free at over 8,500 Walgreens.

You can see why Chime is our #1 choice.

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Our Second Pick
Apply Now

on Current's secure website

Current is a financial technology company, not a bank. The company does not use ChexSystems or pull your credit report, and they have a lot to offer.

A Current mobile banking account includes fee-free overdraft protection of up to $100. You also get access to over 40,000 fee-free Allpoint ATMs with your Current debit card, and there is no minimum balance or hidden fees.

You can also get paid up to two days early with direct deposit with a Current Premium account. Plus, Current offers up to 4.00% APY with Current Savings Pods.

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Our Third Pick
Apply Now

on Sable's secure website

Sable allows you to open a bank account with a debit card and secured credit card in just 5 minutes.

There are no credit checks, no fees, and no minimum deposit required. You can also get an unsecured credit card in about 4 months after using your secured card. That’s 3x faster than what traditional banks offer.

The Sable credit card offers 2% cashback on your favorite brands.

To open a Sable account, you don’t need a social security number or U.S. credit history. You can also send money to 55+ countries and get multilingual customer support.

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Associated Credit Union

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on Associated CU's secure website

Associated uses Equifax credit reports to screen new applications. They have multiple locations throughout all of Georgia, but have a particularly strong presence in Atlanta. Currently, they offer two types of checking accounts: Associated Checking and Simple Checking.

Both require an initial deposit of $25 to open, but for $4.95 a month, Associated Checking comes with a variety of benefits, including credit monitoring, ID Protection, and Cell phone protection. Enjoy all the benefits of modern banking without the hassle ChexSystems, including ATM access, online banking, and even monthly compounding interest on balances over $2,500.

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Community Bank & Trust

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on Community Bank & Trust's secure website

With $100, people who need to work on their checking history can open up an account called Second Slice Checking at Community Bank & Trust. It comes with unlimited checking writing, mobile banking, a debit card, and free E-statements.

Currently, Community has four locations throughout Georgia, with two locations in LaGrange, one in Columbus, and one in Hogansville. Should account holders be able to keep their Second Slice account in good standing, they may be able to transition to a conventional banking account.

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Excel Federal Credit Union

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on Excel's secure website

Excel FCU is designed for people who need to strengthen their credit history, it acts as a stepping stone to a traditional checking account. They offer second chance banking called Fresh Start Checking.

There are monthly fees associated with this account, but members who keep their account in good standing may be eligible to transition to one of Excel’s more traditional accounts.

To become a member of Excel, you must be related to someone who already has an account, or work with a company that is a part of the Excel network. Excel currently has three locations throughout the Atlanta area.

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Firstate Bank

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on Firstate Bank's secure website

Firstate Bank has locations in Wrens, Louisville, Americus, and Warrenton. It offers mobile banking, where you see and manage your bills, make deposits, transfer funds, and check your balances over your smartphone. They also offer OnCall banking, which allows account holders to manage all of their accounts over the phone.

Firstate currently has three accounts: Community Plus, Community Commercial Checking, and Community Commercial Interest Checking. Community Plus is the most popular option requiring an initial deposit of $100 with a monthly service of fee of $5.

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Georgia United Credit Union

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on Georgia United's secure website

Georgia United offers a second chance checking account called Restart Checking. For users who need to repair their financial history, Restart Checking only requires an initial deposit of $25 to open and has a low monthly fee of $12. Each account holder receives 1.00% APY on balances up to $15,000 and can receive up to $10 in refunds on ATM fees.

At the moment, Georgia United CU is concentrated in central and northern Georgia and has 19 branch locations throughout the state. If you frequent ATMs, it currently has 19 ATMs, as well as over 30 surcharge-free ATMs focused in the Conyers and Covington regions.

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Georgia's Own Credit Union

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on Georgia's Own CU's secure website

Georgia’s Own offers what it calls Resolution Checking for account holders who may have had previous banking problems in the past. To open an account, applicants must speak with a Georgia’s Own representative.

Georgia’s Own currently has branches in 33 locations located throughout metro Atlanta, Southwest Georgia, Augusta, and Savannah. Georgia’s Own is completely online and mobile-friendly and is part of a network of surcharge-free ATMs throughout the state.

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Heritage Bank

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on Heritage Bank's secure website

Heritage Bank does not use ChexSystems, Telecheck, or EWS to screen new applicants. To open an account with them, new applicants must instead apply in person and be able to present a government-issued ID. It has 15 locations throughout Georgian, including even one in Jacksonville, Florida.

They offer four checking accounts but consider Connect Checking; it has no monthly fees. It only requires a one time deposit of $50 to open, and comes with unlimited free transactions. Furthermore, once the account is open, it does not require a minimum balance to stay free.

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Members United Credit Union

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on Members United's secure website

Members United offers a second chance checking account called Another Chance Checking. To find out more about it, applicants must contact Members United directly. To join, applicants must either live in Dougherty, Muscogee, or Lee County, or work for a company affiliated with Members United.

Other options include military service (past or present), or being a member of Street Blazers Motorcycle Club or American Cancer Society Hope Club. Members United has four locations in Albany, one in Leesburg, and one in Columbus. All members get access to both mobile and online banking and can enroll in the BillPayer service at no additional charge.

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North Georgia Credit Union

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on North Georgia CU's secure website

North Georgia uses Equifax credit reports to screen all new applications for checking accounts. However, if the applicant simply wants to open a savings account, nothing is screened or analyzed. NGCU has locations in Toccoa, Hartwell, and Lavonia, and an application can be completed entirely online. A deposit of $25 into a savings account is required, and there is a one time fee of $5. The $25 in savings must stay there for membership to continue.

A checking account is entirely free and does not require a minimum balance. Automatic bill pay, as well as online and mobile banking, are also free.

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Peach State Federal Credit Union

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on Peach State FCU's secure website

Peach State Federal offers a second chance checking account to people with a poor ChexSystems report. Called Fresh Start Checking, it allows account holders to rebuild their ChexSystems credit profile while also enjoying all of the benefits of modern checking.

After a year of maintaining a positive status with their account, the account holder may be able to transfer over to a standard checking account.

There is a monthly fee of $9.00 associated with Fresh Start Checking, but once account holders transfer over to the basic plan there are no monthly fees. Currently, there are 19 branch locations throughout Georgia.

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Renasant Bank

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on Renasant Bank's secure website

Applicants who have negative entries with ChexSystems, Telecheck, or EWS are still eligible to become a member with Renasant Bank provided they don’t owe any money to Renasant. A basic account comes with online banking, free bill pay, mobile banking, and a debit card.

Additionally, all Renasant clients get free identity theft protection. Whenever anything suspicious occurs with your account, Renasant automatically calls, texts, and emails you to alert you to the activity.

Renasant has many locations throughout Georgia, but anyone interested in joining can apply entirely online. Renasant has received solid reviews for its customer service and is recognized across the board as a safe and dependable bank.

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Robins Federal Credit Union

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on Robins FCU's secure website

Robins Federal offers a second chance checking account to anyone looking to repair their checking account history. It requires an initial deposit to open an account and has a monthly service fee of $10.

After only 12 months of maintaining a positive account, members who have not overdrawn and who have been able to pay the monthly fees are able to open up a free checking account. This account comes with unlimited check writing, a free debit card, as well as free online and mobile banking. Robins Federal currently has multiple locations throughout and around Warner Robins.

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Rochelle State Bank

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on Rochelle State Bank's secure website

Rochelle State Bank only requires a government-issued ID from anyone interested in opening an account. To open up a standard checking account, Rochelle State requires an initial deposit of $100.

There aren’t any monthly service fees if you are able to keep at least $500 in your account every day of the month. If it falls below $500, however, there is a $5.00 fee. Moreover, there is also a $0.10 fee for any debit card transactions when the account balance is below $500. At the moment Rochelle State Bank only has one branch location in Rochelle, Georgia.

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Apply Now

on Synovus' secure website

In lieu of ChexSystems, Synovus uses applicants’ credit reports instead analyzing their ChexSystems file. A relatively small bank, Synovus has locations in Perry, Byron, and Warner Robins.

It has four checking account options, but its free option comes with every modern banking feature that most people are looking for. Features include free online and mobile banking, and they allow users to use automatic bill pay for free. The free checking account does require an initial deposit of $100 to open, but after that, there aren’t any monthly service fees.

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Woodforest National Bank

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on Woodforest's secure website

Woodforest National Bank offers people with a rocky financial past a second chance checking account. It only requires an initial deposit of $25.00 to open, as well as a one-time set-up fee of $9.00. There is a low monthly service fee of $11.95 unless you sign up for direct deposit. With direct deposit, it drops down to $9.95.

Woodforest has eight branch locations throughout Georgia, but is a national bank and can be found all across the U.S. Each checking account offered by Woodforest comes with free online and mobile banking, as well as free access to thousands of ATMs.

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