Second Chance Checking Accounts in Hawaii

Emily Hayes

Past account problems can make checking account approval harder in Hawaii, especially when banks review ChexSystems or similar reports. Overdrafts, unpaid fees, or closed accounts may cause some financial institutions to turn down your application, even if you’re ready to move forward.

Second chance checking accounts give you a way to rebuild your banking record while getting access to basic account features again. These accounts can help you manage money day to day while working toward stronger banking history.

7 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 customers working to restore their banking access.

You can also compare banks that don’t use ChexSystems in Hawaii for another way to open a new checking account.

SoFi

Our Top Pick
SoFi
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Features & Benefits

  • Earn up to $400 with qualifying direct deposit
  • No monthly fees or minimum balance requirements
  • Up to 3.30% 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 $400, plus earn a competitive 3.30% 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.

Apply online →

Current

Current
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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 lets you 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, with 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.

Apply online →

Chime

Chime
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Features & Benefits

  • No ChexSystems checks or credit pull
  • Open an account with no minimum deposit
  • Access over 47,000 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®. It’s a secured card with no credit check, no annual fee, and no interest charges.

Chime gives you access to over 47,000 fee-free ATMs, early direct deposit, and cash deposit options at more than 8,500 Walgreens locations.

Apply online →

Stash

Stash
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Features & Benefits

  • No hidden fees
  • Earn stock as you spend with Stock-Back® rewards
  • Get paid up to two days early with direct deposit
  • 55,000+ fee-free ATMs through Allpoint®

Stash offers a checking account with no ChexSystems review or credit check. This makes it accessible if you’ve had trouble opening accounts in the past.

Each time you use the Stash debit card, you earn Stock-Back® rewards in the form of small pieces of stock from the brands where you spend.

You can also receive your paycheck early through direct deposit. The account has no overdraft fees.

Everything is managed through the Stash mobile app, which also includes investing and budgeting tools.

Apply online →

HawaiiUSA Federal Credit Union

HawaiiUSA Federal Credit Union
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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.

Apply online →

Hawaii First Federal Credit Union

Hawaii First Federal Credit Union
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Hawaii First Federal Credit Union offers Pot of Gold Checking, a second chance account for members whose past banking history is keeping them out of a regular checking account.

The credit union describes it as a good option for people with unresolved debts that have prevented them from opening an account elsewhere.

The account takes a $50 deposit to open and comes with a debit card. What sets it apart is the support built in: free financial coaching for money management and credit repair, aimed at getting you back to a standard account.

Hawaii First is a CDFI-certified credit union on the Big Island, with branches in Kamuela, Waikoloa Village, and Hilo.

Apply online →

Mechanics Bank

Mechanics Bank
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Mechanics Bank offers Essential Checking for customers who need a basic account after trouble with a prior account.

The account requires $25 to open and has no monthly maintenance fee. It also does not charge overdraft fees, which can help keep costs predictable while you rebuild.

Essential Checking gives customers a way to return to everyday banking with a debit card, deposits, payments, and basic money management tools.

Mechanics Bank has Hawaii branches in Hilo, Honolulu, Kahala, and Pearl City.

Apply online →

Second Chance Banks by State

Choose your state from the list below to find second chance checking accounts and see what options are available near you.

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