Second Chance Checking Accounts in Indiana

If you’ve been denied a checking account in Indiana because of unpaid fees, overdrafts, or account closures, you’re not alone. Many banks use ChexSystems or similar tools to screen applicants, making it difficult to open an account after past banking issues.

Second chance checking accounts give you a way to rebuild your financial standing while restoring access to essential banking services.

15 Banks & Credit Unions Offering Second Chance Bank Accounts in Indiana

Below are banks and credit unions across Indiana offering second chance checking accounts for individuals working to repair their banking history.

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.

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.

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.

3Rivers Federal Credit Union

3Rivers offers Onward Checking, a second chance account designed to help members rebuild their banking history.

The account has an $8 monthly fee, no minimum balance, free online banking, bill pay, mobile access, and a Visa debit card. Your first overdraft fee is waived, and you get free ATM access nationwide.

Branches are located in Auburn, Bluffton, Columbia City, Decatur, Fort Wayne, and Kendallville.

AAA Federal Credit Union

AAA FCU provides Fresh Start Checking for individuals with previous banking challenges.

There are no credit checks to open the account, which includes a debit card and eligibility to apply for loans after maintaining good standing.

After 12 months of responsible use, you may upgrade to a standard account.

Membership is open to residents of St. Joseph County. AAA FCU operates branches in South Bend and Mishawaka.

Centra Credit Union

Centra offers Opportunity Checking, a second chance option for those rebuilding their banking history.

The account requires an Opportunity Savings account with $5 to open. Opportunity Checking has a $5 monthly fee with direct deposit, or $8 without.

It includes a Mastercard debit card, unlimited check writing, online banking, and bill pay.

Centra has branches in Indianapolis, Carmel, Columbus, Jeffersonville, Madison, New Albany, Seymour, Shelbyville, and other cities.

Diamond Valley Federal Credit Union

Diamond Valley offers Fresh Start Checking to help rebuild your banking access.

The account requires a $25 opening fee and carries a $10 monthly maintenance fee. It includes a Visa debit card, online and mobile banking, and bill pay.

Membership is open to those who live, work, worship, or attend school in Vanderburgh County. Branches are located in Evansville.

First Financial Bank

First Financial’s NoWorry Checking offers second‑chance access with no overdraft fees.

The account requires a $25 opening deposit and carries a $5 monthly fee, with no minimum balance needed. You’ll receive free digital banking access, a contactless Visa debit card, and entry to over 55,000 fee‑free ATMs nationwide.

Branches are located across Indiana, including Anderson, Bloomington, Carmel, Columbus, Elkhart, Fishers, Fort Wayne, Indianapolis, Lafayette, and Muncie.

Heritage Federal Credit Union

Heritage FCU offers Second Chance Checking, designed for those with past banking problems.

The account has a $10 monthly fee and includes a MyMoneyCard (Visa debit), mobile banking, online banking, and bill pay.

Membership is open to residents of Vanderburgh, Warrick, or Posey counties. Branches are located in Evansville, Boonville, Newburgh, and other nearby cities.

Horizon Bank

Horizon offers Fresh Start Checking, helping individuals rebuild their financial history.

The account has a $5 monthly fee, no required minimum balance, unlimited check writing, online banking, bill pay, and a debit card. E-statements waive the $3 paper statement fee.

Branches are located across Indiana, including Fort Wayne, Gary, Lafayette, Carmel, Kokomo, and Greenwood.

Liberty Federal Credit Union

Liberty FCU’s Opportunity Checking gives you a fresh start with no minimum balance and full digital access.

Choose between an ATM or Visa debit card, and enjoy free online banking and bill pay. Maintain 12 months in good standing, and you can request an upgrade to a standard checking account.

Branches are located in Evansville, Fort Branch, Jasper, Mt. Vernon, Newburgh, Princeton, Vincennes, Washington, and surrounding Indiana communities.

Regional Federal Credit Union

Regional FCU offers First Step Checking to help rebuild your banking profile.

The account requires direct deposit, has an $8 monthly fee, no balance requirement, free debit card, unlimited check writing, and access to financial education.

Membership is open to residents of Lake or Porter counties. Branches are located in Hammond and Valparaiso.

Staley Credit Union

Staley CU provides Renew Checking, designed for individuals needing a second chance.

The account requires a $50 opening deposit and carries a $7 monthly fee. Features include free online and mobile banking, bill pay, a debit card, overdraft protection, and access to over 5,000 ATMs. You may upgrade after 12 months in good standing.

Branches are located in Lafayette.

United Fidelity Bank

United Fidelity offers New Day Checking, designed to help individuals with prior banking issues.

The account has an $8 monthly fee, requires $25 to open, and includes unlimited check writing, online banking, bill pay, and a Visa debit card after six months of good standing. The monthly fee can be waived after 12 months without insufficient funds.

Branches are located in Evansville, Carmel, Fort Branch, Mt. Vernon, and Newburgh.

Woodforest National Bank

Woodforest provides a second chance checking account for individuals rebuilding their financial history.

The account requires a $25 opening deposit, a $9 setup fee, and carries a monthly fee of $11.95, reduced to $9.95 with direct deposit. Paper statement fees are waived with e-statements.

Branches are located across Indiana, including Indianapolis, Evansville, Fort Wayne, Lafayette, Mishawaka, Merrillville, and Terre Haute.