Second Chance Checking Accounts in Hawaii

It can be tough to open a new checking account in Hawaii if you’ve had past issues like overdrafts, unpaid fees, or account closures. Many banks use ChexSystems or similar reports to review applicants, which can lead to denials for those with negative banking history.

Second chance checking accounts provide a way to rebuild your financial standing and regain access to essential banking services.

4 Banks & Credit Unions Offering Second Chance Bank Accounts in Hawaii

Here’s a list of banks and credit unions in Hawaii offering second chance checking accounts for individuals working to restore their banking access.

Current

Our Top Pick

Features & Benefits

  • Build credit automatically with your debit card activity
  • No monthly fees or minimum deposit required
  • Over 40,000 Allpoint ATMs nationwide
  • Early direct deposit—get paid up to 2 days sooner

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

Features & Benefits

  • No ChexSystems checks or credit pull
  • Open an account with no minimum deposit
  • Access over 60,000 fee-free ATMs nationwide
  • Optional secured credit card to help build credit

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

Features & Benefits

  • Earn up to $300 with qualifying direct deposit
  • No monthly fees or minimum balance requirements
  • Up to 3.80% APY on savings balances
  • Access to 55,000+ fee-free ATMs

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.

HawaiiUSA Federal Credit Union

HawaiiUSA FCU offers MyChance Checking, designed to help individuals rebuild their banking history.

The account requires a $20 opening deposit and a $10 minimum balance. It includes access to over 30,000 fee-free ATMs, online banking, mobile access, and financial coaching resources.

After 12 months of good account management and completion of financial courses, you may upgrade to a standard account.

HawaiiUSA has branches in Honolulu, Aiea, Pearl City, Kaneohe, Waipahu, Mililani, Ewa Beach, and Kapolei.