Second Chance Checking Accounts in Maine

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.

Being check-free keeps your spending tied to what’s actually in the account while you get back on track.

The account is opened by request rather than online, so it’s worth calling or visiting a branch to confirm the current fees and terms. Bath Savings can walk you through what’s required to open one.

Bath Savings has branches in Bath, Boothbay Harbor, Brunswick, Damariscotta, Falmouth, Freeport, Portland, South Portland, Westbrook, and Yarmouth.

If you’ve ever had an account closed while it was overdrawn, your name may appear on the national reporting lists many institutions check when you apply, and CCFCU built this account for exactly that situation.

The account carries a low $5 monthly fee and gives you the essential banking services you need to manage your money day to day.

As a Fresh Start account, it isn’t eligible for the credit union’s Courtesy Pay overdraft program, which keeps your spending tied to your available balance while you rebuild.

Membership is open to anyone who lives, works, or studies in Cumberland or York county. CCFCU has branches in Falmouth, Gray, Portland, Westbrook, Windham, and Yarmouth.

There’s no monthly fee and no minimum balance. The account comes with a free Visa debit card, digital and mobile banking, mobile deposit, and early direct deposit that can post your pay up to two days sooner.

Members also get free personal financial counseling and free access to SURF network ATMs across Maine.

You apply in branch. Membership is open to anyone who lives, works, worships, or attends school in Androscoggin, Cumberland, Lincoln, Oxford, Sagadahoc, or York county.

Evergreen has branches in Naples, Portland, Scarborough, South Portland, and Windham.

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.