Second Chance Checking Accounts in Idaho

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.

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.

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.

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.

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.

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.

That makes it accessible if past banking problems have kept you out of a traditional account.

Cardholders earn cash back on everyday spending: 3% at Walmart.com, 2% at Walmart fuel stations, and 1% in stores, capped at $75 per year.

The card also offers up to $200 in overdraft protection once you set up direct deposit and opt in, which most prepaid cards don’t provide.

With ASAP Direct Deposit, you can get paid up to two days early, including paychecks and government benefits. Savers earn 2.00% APY on savings, plus entries into monthly cash prize drawings.

There’s a $5.94 monthly fee, waived when you receive at least $500 in direct deposits the previous month. Since it’s available nationwide, Idaho residents can open one from anywhere in the state.

Because it’s debit-card only, any purchase you attempt without enough money is simply declined rather than approved and hit with an overdraft fee.

The account requires a $25 opening deposit and has a $5 monthly fee, which is waived for account holders aged 13 to 24.

You get mobile and online banking, online bill pay, Zelle for sending and receiving money, and access to Wells Fargo’s large branch and ATM network.

With one of the biggest branch footprints in the country, Wells Fargo is a convenient option for in-person banking.

In Idaho, it has branches in Boise, Nampa, Caldwell, Meridian, Idaho Falls, Pocatello, Twin Falls, and Coeur d’Alene, among others.