Second Chance Checking Accounts in Iowa

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.

It gives you the tools you need without unnecessary hurdles in the way.

It takes just $20 to open. The account includes free online and mobile banking, so you can manage your money from anywhere.

To qualify, you first need to become a member. That means living or working in select Iowa counties, including Polk, Boone, Story, Dallas, and Madison, or belonging to an eligible employee group.

Affinity has two branch locations in Des Moines, Iowa.

It includes built-in safeguards that can help you manage your money while avoiding common banking setbacks.

The account requires $10 to open and has a $5 monthly fee. There are no overdraft or NSF fees, and the account is checkless, which helps keep your spending limited to the money you have available.

Bank Iowa also has a broad branch network across the state, with locations in Altoona, Denison, Johnston, Newton, Oskaloosa, Pella, Red Oak, Shenandoah, West Des Moines, and other Iowa communities.

It also works if you’ve had difficulties in the past and want a second chance.

It takes just $25 to open, and the monthly service charge is $5. Overdraft and NSF fees never apply, and there are no early closure or dormant account fees to worry about.

The account comes with a free initial Visa debit card, free access to more than 55,000 nationwide Privilege Status ATMs, online and mobile banking, and online bill pay. The paper statement fee is waived once you switch to eStatements.

After 12 months in good standing, you become eligible to move up to a different account type. Cedar Rapids Bank & Trust has branches in Cedar Falls, Cedar Rapids, Marion, and Waterloo, Iowa.

The account requires a $50 opening deposit and carries a $9.95 monthly fee. It includes free mobile banking and remote deposit.

After 12 months in good standing, you may be eligible to upgrade to a standard checking account.

Membership is open to individuals who live or work in select Iowa counties or through family or employer eligibility.

CCCU has branches in Asbury, Cedar Falls, Cedar Rapids, Clive, Des Moines, Dubuque, Johnston, Iowa City, Marion, and North Liberty.

It also works if you’ve run into difficulties in the past and want a second chance.

You can open it with $25 or less, and it carries a $5 monthly service charge. There is no charge for overdrafts or NSF items, no early account closure fee, and no dormant account fee.

You get a Visa debit card, no fee ATM access, online and mobile banking, and online bill pay, with the paper statement fee waived once you sign up for eStatements.

Stay in good standing for 12 months and you become eligible to move up to a different account type. Community State Bank has branches in Altoona, Ankeny, Des Moines, Johnston, Pleasant Hill, and Waukee, Iowa.

You’ll need a $250 opening deposit, and the monthly fee is waived if you maintain a qualifying balance. The account includes essential features: a debit card, check-image statements, online banking, and mobile access.

Federation serves rural Iowa communities with branches in Richland (Poweshiek County), Montezuma, and Grinnell, among other statewide locations.

The account has no opening deposit and includes a $5 monthly fee, with features like online banking, debit card access, and mobile banking.

Membership is open to individuals living or working in one of 33 Iowa counties, along with immediate family members of current members and select employer groups.

Branches are located in Ames, Denison, Des Moines, Indianola, and Waukee.

The account comes with no monthly fees, free overdraft protection, access to over 70,000 surcharge-free ATMs, mobile banking, a debit card, and direct deposit.

Marine CU has branches in Davenport, Decorah, and West Des Moines.

There’s no minimum balance requirement—just maintain a positive balance—and a modest $8/month fee (plus tax).

You’ll receive a free debit card and access to ACH payments for bills. Overdrafts aren’t allowed, reducing the risk of fees.

North Iowa CU serves the region from branches in Mason City, Clear Lake, and surrounding North Iowa communities.

It also works if you’ve run into difficulties in the past and want a second chance.

Opening one takes a low $25 deposit, and the monthly service charge is $5. There is no charge for overdrafts or NSF items, and no early account closure or dormant fee applies.

The account includes a Visa debit card, online and mobile banking, online bill pay, and free eStatements.

Stay in good standing for 12 months and you become eligible to move up to a different account type. Quad City Bank & Trust has branches in Bettendorf and Davenport, Iowa.