Don’t let past mismanagement of your money hurt your finances today. Even if past instances of unpaid bank fees or excessive non-sufficient funds are listed on your ChexSystems record, you don’t have to give up. You can find a bank in Hawaii that can help you rebuild your checking history while still providing you with the services you need.

Here’s how it works.

The first option is to find a non-ChexSystems bank. They usually have different standards for qualifying applicants, such as a credit check or simply verifying your identity with valid photo IDs.

Alternatively, many banks offer a second chance checking account regardless of your ChexSystems history. They sometimes come with certain restrictions or fees, but you can generally upgrade to a normal account after six months to a year of successfully managing your account.

Non-ChexSystems & Second Chance Banks in Hawaii

Our comprehensive list of Hawaii non-ChexSystems and second chance checking accounts can help you find the right match and quickly regain your financial footing.


Our Top Pick
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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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CU Hawaii Federal Credit Union

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on CU Hawaii's secure website

Instead of ChexSystems, CU Hawaii Federal uses Telecheck so you may be able to qualify for a new account. Their regular checking account option doesn’t have a required opening deposit, minimum account balance, or monthly fee, so it’s extremely accessible regardless of your finances.

Plus, you get perks like online banking and bill pay, mobile banking and check deposit, and overdraft protection. Membership to CU Hawaii Federal is open to anyone who lives or works on the Islands of Hawaii. Branches are located in Hilo, Kailua-Kona, Kea’au, Na’alehu, Ocean View, Pahala, and Pahoa.

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Gather Federal Credit Union

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on Gather's secure website

Gather Federal is another option that relies on Telecheck, not ChexSystems. Start off by using their Checking Navigator, an online tutorial that teaches you how to better manage your checking account.

If you qualify for an account, you can choose from one of several Kasasa rewards accounts, or a traditional share draft account. This last option has no monthly fee or minimum balance and just requires a $25 opening deposit. Plus, you earn credit union dividends no matter what your balance may be.

Interested in joining Gather Federal? Membership is open to anyone who lives, works, attends school, or worships on the islands of Kauai and Niihau. There’s a one-time membership fee of $1 and you’ll also need to deposit $5 into your share savings account. Branches are located in Lihue, Waimea, Eleele, and Kapaa.

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Hawaii Community Federal Credit Union

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on Hawaii Community FCU's secure website

Hawaii Community Federal uses Telecheck rather than ChexSystems when evaluating new applications. They have a free account called Check Advantage.

It doesn’t come with a monthly fee or a minimum balance requirement, making it a low-cost option for account holders. When opening your account, however, you do need to deposit $50 into a share savings account.

To join Hawaii Community Federal, you must live, work, worship, attend school, or volunteer on Hawaii Island. Locations are in Kaloko, Kailua-Kona, Kealakekua, Kohala, and Honoka’a.

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Hawaiian Financial Federal Credit Union

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on Hawaiian Financial FCU's secure website

Any eligible member can open a savings account with Hawaiian Financial Federal. To get a checking account, they’ll use either ChexSystems or Unicheck.

If you can qualify, they offer Value Checking, which comes with all the basic account features you need to manage your finances. There’s no balance requirement or monthly service fee and the opening deposit minimum is a mere $5.

To become a member, you must live, worship, work, or go to school on the island of Oahu. There are 12 locations across Honolulu, Kapolei, Waipahu, Kahului, Pearl City, and Wheeler AAF.

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HomeStreet Bank

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on HomeStreet's secure website

HomeStreet Bank may approve you for an account if your ChexSystems report isn’t too severe. Their Choice Checking account is free and has no minimum balance or direct deposit requirement.

You do, however, need a $100 opening deposit. The account comes with free online and mobile banking, including check deposit and bill pay. Each month you’ll also be able to get two free transactions at non-HomeStreet Bank ATMs for added convenience and savings.

HomeStreet Bank has four Hawaii branches. They’re located in Hilo, Honolulu, Kaimuki, and Pearl City.

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