Second Chance Checking Accounts in Kansas

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.

There’s no ongoing balance requirement. The account requires $30 to open and has a $9.99 monthly fee, reduced to $7.99 with direct deposit. It includes online and mobile banking, bill pay, and debit card access.

Branches are located across Kansas, including Concordia, Hays, Salina, Topeka, Manhattan, Lawrence, Wichita, and many Walmart locations.

The account includes early direct deposit (up to two days early), online and mobile banking, a debit card, and a $5 monthly fee. Members can also work with a personal account coach to improve money management.

Branches are located in Wichita, Hays, Hutchinson, Newton, Maize, Ness City, and Haven.

Its credit history requirement is more lenient than the bank’s other checking options, which makes it a realistic way to rebuild financial stability.

It takes $50 to open, with no minimum balance required after that, and carries a $12.95 monthly service charge. The account comes with a Visa debit card, online and mobile banking, and the option to add authorized users, each with their own debit card.

Landmark National Bank is based in Manhattan and serves communities across Kansas, including Dodge City, Garden City, Junction City, Lawrence, Overland Park, Pittsburg, Topeka, and Wichita-area towns.

The account requires a $100 opening deposit and has a $10 monthly fee. It includes debit card access, unlimited check writing, and online banking. After 12 months of good account management, you may switch to Free Classic Checking.

Applications must be completed in person at the Kansas branch in Olathe. Membership is open to those who live, work, or worship in Johnson County.

The account requires a $50 deposit, includes access to 30,000+ fee-free ATMs, shared branching at over 5,000 locations, online banking, mobile access, and debit card services.

After 12 months of good standing, you may upgrade to Best Free Checking.

Unity One serves Kansas members through its Kansas City, KS location.

The account includes essential features like a debit card, mobile banking, and online account access to help restore financial stability.

Membership is open to residents of Sedgwick, Riley, or Geary counties, Kansas healthcare employees, and family members of current members.

Wheat State CU has two locations in Wichita.

It’s built for anyone rebuilding their financial history or new to credit.

There is no monthly fee and no minimum balance, and the account carries no risk of overdraft fees, since overdraft privilege is not available.

After 12 months in good standing, you can request an upgrade to one of the credit union’s standard checking accounts, Thrive or Prosper.

Wichita Federal Credit Union has branches in Wichita and at McConnell Air Force Base, Kansas.