Second Chance Checking Accounts in Indiana

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.

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.

The account is designed to help members get back on track and rebuild their banking history. It provides a way to manage everyday money needs while working toward stronger account habits.

Smart Start Checking has a low monthly fee and gives members access to a local credit union relationship while rebuilding.

Afena Federal Credit Union has branches in Marion and Upland.

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.

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.

The account is designed to give customers a fresh start with a local bank. It can help you manage everyday deposits, payments, and spending while working toward a stronger banking history.

Easy Fit Checking may be a good option if past banking issues have made it harder to open a traditional checking account.

First Bank Richmond has branches in Cambridge City, Centerville, Richmond, and Shelbyville.

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.

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.

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.

The account requires $25 to open and has a $10 monthly fee, which drops to $7 with direct deposit.

Start Fresh Checking is designed with fewer features than a standard checking account, including no paper checks, but it gives customers a path back into everyday banking.

After six months of responsible account management, customers may be able to move to Start Fresh Plus and gain additional checking features.

Lake City Bank has branches in Akron, Argos, Auburn, Carmel, Columbia City, Elkhart, Fishers, and more.

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.

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.

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.

The account is designed for people who have been reported to ChexSystems because of NSF problems and need a way to establish a positive checking account history.

Members can work toward upgrading to regular Tech Checking after six months of responsible account use.

Secured Checking has a $5 monthly fee, with an additional $5 fee if the daily balance falls below $200. The account also requires $100 to remain in Membership Savings.

Tech Credit Union has branches in Cedar Lake, Crown Point, East Chicago, Gary, La Porte, Lowell, Merrillville, and more.

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.

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.