It is possible to get a second chance at a bank or credit union in Maine, regardless of your history in ChexSystems. Even if you’ve only recently had a record added to your report, which can stay for five years, you can still find a financial institution that is willing to work with you.

Why is it so important to get a checking account?

The two biggest reasons are cost and convenience. Getting cash at out-of-network ATMs or cashing a check at a bank where you don’t have an account can get expensive. Moreover, prepaid debit cards are also costly and all of these scenarios require you to manage your finances at select locations.

Non-ChexSystems & Second Chance Banks in Maine

Opening a checking account can get you back in the banking system and rebuild your financial history. If you live in Maine, there are several options available. Some are local banks or credit unions, while others are online banks. Either way, take a look at the list to find one or more places that can help you get your finances back on track.


Our Top Pick
Apply Now

on Chime's secure website

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.

Learn More →

Eastmill Federal Credit Union

Apply Now

on Eastmill FCU's secure website

Eastmill Federal does not use ChexSystems and only requires proper ID to get started with an account. They no minimum balance requirements, nor are there any monthly service fees. If you link your savings account to your checking account, you can opt into overdraft protection.

The field of membership for Eastmill FCU includes anyone who lives, works, worships, or goes to school in Penobscot County and Southern and Central Aroostook County. Relatives of existing members are also allowed to join. All new members are required to make a $25 deposit into their share savings account. There are branch offices in East Millinocket and Patten, Maine.

Learn More →

Five County Credit Union

Apply Now

on Five County's secure website

You can potentially sign up for Second Chance Checking at Five County as long as your past issues are minor. The monthly fee is just $5 and there is no minimum balance. You get a free Visa debit card and check card. The daily limit is $2,500, with $2,000 being allotted to purchases and $500 of it going to cash.

To use bill pay, you must pay a small fee. Additionally, this account isn’t eligible for shared branching. Eligibility for membership is offered to those who live, work, or worship in Maine’s Androscoggin, Cumberland, Lincoln, Kennebec, Knox, Sagadahoc, Somerset or Waldo Counties. Alternatively, you can be an employee of Bath Iron Works or be a relative of an existing member.

Learn More →

Infinity Credit Union

Apply Now

on Infinity's secure website

Infinity Federal’s second chance checking account is called Bridge Checking. It comes with several benefits, including no monthly fees, no minimum deposit, and no balance requirements.

You get your first order of checks for free, in addition to unlimited check writing. However, there are some limitations, including no overdrafts allowed. Your debit card is limited to a $100 daily ATM withdrawal and $1,000 a day through transactions. Check deposits are also held for an extended period of time.

Infinity Federal has locations in the Bangor and Portland areas of Maine. To become a member, you must live, work, worship, or attend school in Cumberland and York Counties, and in the City of Bangor, Maine.

Learn More →

Midcoast Federal Credit Union

Apply Now

on Midcoast FCU's secure website

Midcoast Federal offers Compass Checking to those who have fallen off track with their finances. It’s a proactive account that provides support through money management tools, budgeting guides, and e-alerts.

There are no minimum deposits or minimum balance requirements, nor is there a monthly fee. You get a free debit card, plus access to Midcoast Federal’s e-services.

To open a Compass Checking account, you must become a member, provide a government-issued ID, and a social security number or individual tax identification number.

This is open to anyone who lives, works in, worships, or attends school in certain rural communities in Maine. It includes all communities within Sagadahoc, Lincoln, and Knox Counties, plus select communities within Androscoggin and Cumberland Counties.

Learn More →

New Dimension Federal Credit Union

Apply Now

on New Dimension's secure website

New Dimension Federal may approve you for a checking account if your ChexSystems records are limited and minor. Their Regular Checking account is free and doesn’t come with any minimum balance requirement or per check fees. You’ll get a Visa debit card for free, plus online and mobile banking access.

How can you become a member of New Dimension Federal? You must have some connection to either Kennebec or Somerset County. To get started, you must open a savings account first and make a $25 deposit there.

Learn More →

Saco Valley Credit Union

Apply Now

on Saco Valley CU's secure website

You could get approved for a checking account with Saco Valley with just a valid photo ID. Their checking account comes with no minimum balance requirement and no monthly service fee. In addition to a debit card, you also get unlimited check writing. Saco Valley offers mobile and online banking as well.

To become a member of Saco Valley, you must live, work, attend school, or worship in Maine’s Cumberland or York County. You can apply in person at their branches in Saco or Waterboro.

Learn More →

Town & Country Federal Credit Union

Apply Now

on Town & Country FCU's secure website

Town & Country Federal is said to check your credit rather than your ChexSystems record. There are a couple of different checking account options, with Better Checking being the most basic. It comes with numerous perks, including no monthly service fee or minimum balance requirements. You don’t even need any specific deposit amount when opening your account.

Before you can open an account with Town & Country Federal, you have to become a member. Membership is open to anyone who lives, works, attends school, or worships in Cumberland or York County, Maine.

Learn More →