You don’t have to let your banking past dictate your future chances of qualifying for a checking account in Louisiana. Even if you have a ChexSystems record, you can often still successfully apply for a bank account — if you know where to look. This is especially true if your record is due to charged-off accounts or insufficient funds.
Rather than thinking that you’re stuck with cash cards and paper bills in your wallet, start thinking about getting back into the banking system. There are plenty of options available throughout Louisiana, from large banks with tons of perks to smaller credit unions with top-notch customer service.
Non-ChexSystems & Second Chance Banks in Louisiana
Check out this comprehensive list of non-ChexSystems and second chance checking accounts to see which ones work based on your qualifications. Each bank offers different services and charges different fees for their various accounts. Do a little exploring, fill out an application, and you’ll be back to banking in no time.
With Chime, bad banking history is not an issue. They offer an award-winning financial app, a debit card, and a credit-builder Visa credit card, all with no credit check.
The Chime Spending Account is 100% free and has no monthly fees:
- no overdraft fees
- no monthly maintenance fees
- no foreign transaction fees
- no minimum balance fees
They’ll even spot you up to $200 on debit card purchases with no overdraft fees.
You can also start building your credit with the Chime Credit Builder Visa Credit Card. It’s a secured credit card with no annual fees, no credit checks, and no interest charges.
Chime has over 60,000 fee-free MoneyPass® and Visa® Plus Alliance ATMs. Plus, you can get your paycheck up to 2 days earlier with direct deposit. You can also deposit cash for free at over 8,500 Walgreens.
You can see why Chime is our #1 choice.
Current is a financial technology company, not a bank. The company does not use ChexSystems or pull your credit report, and they have a lot to offer.
A Current mobile banking account includes fee-free overdraft protection of up to $100. You also get access to over 40,000 fee-free Allpoint ATMs with your Current debit card, and there is no minimum balance or hidden fees.
You can also get paid up to two days early with direct deposit with a Current Premium account. Plus, Current offers up to 4.00% APY with Current Savings Pods.
Sable allows you to open a bank account with a debit card and secured credit card in just 5 minutes.
There are no credit checks, no fees, and no minimum deposit required. You can also get an unsecured credit card in about 4 months after using your secured card. That’s 3x faster than what traditional banks offer.
The Sable credit card offers 2% cashback on your favorite brands.
To open a Sable account, you don’t need a social security number or U.S. credit history. You can also send money to 55+ countries and get multilingual customer support.
Bank of Montgomery uses Telecheck when verifying new accounts. It has three locations throughout Louisiana in Montgomery, Alexandria, and Natchitoches. It has seven checking accounts for members to choose from.
Most applicants will likely be more interested in the Economy option, as it only requires a $100 initial deposit and a minimum balance of $500. If your account falls below $500, there’s a monthly service fee of $7.50.
Regardless of which checking account you choose, all members get access to unlimited check writing, free online banking, and free mobile banking. The free mobile app allows members to view their account balance, make transfers, and remote deposit checks.
Community Bank of Louisiana does not use ChexSystems or EWS, but it does require a form of government-issued ID. It currently has eight locations throughout Louisiana: Stonewall, Shreveport, Mansfield, Logansport, Gloster, and Bossier City.
Community Bank offers seven checking accounts. For its traditional checking account, there’s a $7 fee if your account falls below $1,000. However, if you keep an account with them for five years or more, there is no service fee regardless of how much money you have in your account.
Crescent Bank uses Telecheck during each applicant’s screening process. At the moment, Crescent Bank has three branch locations in New Orleans, Metairie, and Covington, Louisiana, and it offers two checking accounts for its members: Personal and Personal Now Checking.
The Personal Checking account is probably the most obtainable across the board, as it only requires an initial deposit of $100 (compared to $1,000 with Personal Now). Each does have minimum balance requirements if you don’t want to incur any monthly fees.
If your account drops below $299 or less with basic Personal, the most your monthly service fee would be is $10. Each account gets you unlimited check writing, free eStatements, and free ATM withdrawals from Crescent Bank ATMs.
Home Bank has locations all throughout southern Louisiana and uses Telecheck when screening new applications. It currently offers three types of checking accounts, Choice Checking, Interest Checking, and eBanking Checking.
All of these options come with the following perks:
- Free debit card
- Free online banking
- Free ATMs
Each account requires an initial deposit of $100, but the monthly service is different for each. For Choice Checking, the monthly service fee is $8, for eBanking it’s $5, and for Interest, it’s $10. Choice Checking provides more ATM access, as account holders can get $10 cashback if they visit a surcharge ATM.
La Capitol FCU has four locations throughout Baton Rouge, Hammond, and Houma, Louisiana. Instead of using ChexSystems, they use Telecheck to screen new members.
Currently, La Capitol offers five types of checking accounts: Choice Plus, Simple Plus, Choice, Simple, and Liquid Assets. The monthly fee is $8 unless you have a minimum balance of $1,000. The fee can be waived if you have 10 or more ATM transactions a month and at least $500 directly deposited in your account every month.
Neighbors FCU uses Telecheck in lieu of ChexSystems when screening new applications. To join, you must live, work, worship or attend school in one of its nine participating parishes to be eligible. The nine participating parishes include East Baton Rouge, Pointe Coupee, Ascension, St. Helena, East Feliciana, West Baton Rouge, Iberville, West Feliciana, and Livingston.
Currently, Neighbors FCU has 12 branches and is also a part of a shared branch network. It has locations in Baton Rouge, West Denham Springs, Port Allen, Prairieville, Zachary and Walker, Louisiana.
Neighbors FCU has five checking account options for its members to choose from. Only one account has a monthly service fee, but it’s only $4.95 a month and comes with a variety of benefits, such as roadside-assistance and Identity theft protection.
New Orleans Firemen’s Federal uses Telecheck when screening new applicants. To become a new member, you must be current or retired New Orleans firefighters, be employed by a select employer, or live work, worship or attend school in a nearby area.
Accepted locations include St James Parish, Tangipahoa Parish, Plaquemines Parish, certain parts of New Orleans East area, and the City of Picayune.
New Orleans Firemen’s FCU offers several checking account options. Regardless of which account you choose, you’ll get free mobile and online banking, free bill pay, unlimited check writing, a free debit card, and no monthly service fee.
WESLA Federal uses Telecheck instead of ChexSystems while screening new applications. Currently, WESLA has three branches and 16 ATM locations located throughout Shreveport, Louisiana.
To become a member, you must live, work or worship in Caddo or Bossier Parish and make a minimum deposit of $25 into a new savings account. $5 of the $25 is a one time fee, but the rest goes into your new savings account.
WESLA offers three types of checking accounts, but its free checking option doesn’t have any monthly service fees or minimum balance requirements. Regardless of which account you choose, all members get a free debit card, unlimited check writing, overdraft protection, and ScoreCard Rewards.