Second Chance Checking Accounts in Maine

If past banking mistakes are keeping you from opening a new checking account in Maine, you’re not alone. Many banks rely on ChexSystems or similar reports, making it difficult to qualify after overdrafts or account closures.

Second chance checking accounts can help you rebuild your financial history and restore access to essential banking tools.

6 Banks & Credit Unions Offering Second Chance Bank Accounts in Maine

Here are banks and credit unions in Maine offering second chance checking accounts for individuals looking to reestablish their banking access.

Current

Our Top Pick

Features & Benefits

  • Build credit automatically with your debit card activity
  • No monthly fees or minimum deposit required
  • Over 40,000 Allpoint ATMs nationwide
  • Early direct deposit—get paid up to 2 days sooner

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—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.

SoFi

Features & Benefits

  • Earn up to $300 with qualifying direct deposit
  • No monthly fees or minimum balance requirements
  • Up to 3.80% APY on savings balances
  • Access to 55,000+ fee-free ATMs

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 $300, plus earn a competitive 3.80% 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.

Chime

Features & Benefits

  • No ChexSystems checks or credit pull
  • Open an account with no minimum deposit
  • Access over 60,000 fee-free ATMs nationwide
  • Optional secured credit card to help build credit

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®—a secured card with no credit check, no annual fee, and no interest charges.

Chime gives you access to over 60,000 fee-free ATMs, early direct deposit, and cash deposit options at more than 8,500 Walgreens locations.

Cumberland County Federal Credit Union

CCFCU offers Fresh Start Checking, providing a second chance for individuals with a closed or overdrawn account on national reporting lists.

The account includes basic checking features with a low $5 monthly fee, giving members access to essential banking services.

Branches are located in Falmouth, Gray, Portland, Westbrook, Windham, and Yarmouth.

Five County Credit Union

Five County CU offers Second Chance Checking for individuals with minor banking issues.

The account has no minimum balance requirement and includes a free Visa debit card with a $2,500 daily spending limit. Bill pay is available for a small fee, but shared branching is not included. The monthly fee is $5.

Membership is open to individuals living, working, or worshiping in Androscoggin, Cumberland, Kennebec, Knox, Lincoln, Sagadahoc, Somerset, or Waldo counties, as well as employees of Bath Iron Works and relatives of current members.

Branches are located in Auburn, Augusta, Bath, Bowdoinham, Brunswick, Lewiston, Lisbon, Portland, Rockland, Scarborough, Skowhegan, Topsham, Waterville, Windham, and Yarmouth.

Midcoast Federal Credit Union

Midcoast FCU offers Compass Checking, designed to help members rebuild financial stability.

The account includes budgeting tools, money management resources, and e-alerts. There are no monthly fees, no minimum balance, and no opening deposit required. Members receive a free debit card and full access to Midcoast FCU’s online services.

Membership is open to individuals who live, work, worship, or attend school in Sagadahoc, Lincoln, Knox counties, or select communities in Androscoggin and Cumberland counties.

Branches are located in Bath, Brunswick, Edgecomb, Freeport, and Thomaston.