Second Chance Checking Accounts in Idaho

If past banking issues like overdrafts, unpaid fees, or account closures are keeping you from opening a new account in Idaho, you’re not alone. Many banks use ChexSystems or similar tools to review applicants, making approval difficult for those with negative marks.

Second chance checking accounts offer a fresh start to help you rebuild your banking access and manage your money.

5 Banks & Credit Unions Offering Second Chance Bank Accounts in Idaho

Below are banks and credit unions in Idaho that offer second chance checking accounts for individuals working to restore their financial standing.

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.

Latah Federal Credit Union

Latah FCU offers Level Up Checking, a second chance account designed to help members rebuild their financial standing.

The account has an $8 monthly fee, which is waived by maintaining a $100 average daily balance.

There’s no ongoing minimum balance beyond the $25 required to open the account. Unlimited debit card use is included, with optional online bill pay available for $6.45 per month.

Membership is open to individuals who live, work, worship, or attend school in Latah, Benewah, Kootenai, Boundary, Bonner, Shoshone, Nez Perce, or Lewis counties.

Latah FCU has branches in Moscow, Potlatch, Kendrick, and Plummer.

WaFd Bank

WaFd Bank offers the Fresh Start Account, designed for individuals working to rebuild their financial history.

The account requires a $25 opening deposit and carries a $4 monthly fee. It includes mobile banking, person-to-person payments, and no overdraft or NSF fees.

After maintaining a positive account history, you may be eligible to upgrade to a traditional checking account.

WaFd has branches in Boise, Nampa, Caldwell, Meridian, Idaho Falls, Pocatello, Rexburg, Twin Falls, and other cities across Idaho.