Second Chance Checking Accounts in Maryland

If past banking issues like overdrafts or account closures have made it difficult to open a new checking account, you still have options.

Many banks in Maryland rely on ChexSystems, but second chance checking accounts are designed to help you rebuild your financial history and restore access to everyday banking tools.

9 Banks & Credit Unions Offering Second Chance Bank Accounts in Maryland

Here are banks and credit unions in Maryland offering second chance checking accounts to help individuals get their finances back on track.

SoFi

Our Top Pick
SoFi
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Features & Benefits

  • Earn up to $400 with qualifying direct deposit
  • No monthly fees or minimum balance requirements
  • Up to 3.30% 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 $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.

Apply online →

Current

Current
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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.

Apply online →

Chime

Chime
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Features & Benefits

  • No ChexSystems checks or credit pull
  • Open an account with no minimum deposit
  • Access over 47,000 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 47,000 fee-free ATMs, early direct deposit, and cash deposit options at more than 8,500 Walgreens locations.

Apply online →

Stash

Stash
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Features & Benefits

  • No hidden fees
  • Earn stock as you spend with Stock-Back® rewards
  • Get paid up to two days early with direct deposit
  • 55,000+ fee-free ATMs through Allpoint®

Stash offers a checking account that does not require ChexSystems or a credit check. This makes it accessible if you have 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.

The account is managed through the Stash mobile app. The app also gives you tools for investing and budgeting.

Apply online →

Central Credit Union of Maryland

Central Credit Union of Maryland
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CCU of Maryland offers Renew Checking, a second chance account for members who have struggled to open a checking account in the past.

Direct deposit is required to open the account, and a monthly fee applies. After 12 months of responsible account management, you may upgrade to free Central Checking.

Membership is open to employees of affiliated businesses. Branches are located in Baltimore and Perry Point.

Apply online →

Clear Mountain Bank

Clear Mountain Bank
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Clear Mountain Bank provides StartFresh Banking, designed for those with a troubled banking history.

You can choose StartFresh First Step, which includes a debit card but no check writing. It requires a $50 opening deposit and has a $9.95 monthly fee, reduced to $6.95 with direct deposit.

StartFresh Checking allows unlimited check writing. Both accounts can be upgraded to traditional checking after 18 months in good standing.

The bank operates in West Virginia and has a Maryland branch in Oakland.

Apply online →

Market USA Federal Credit Union

Market USA Federal Credit Union
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Market USA FCU offers Fresh Start Checking, designed to help members rebuild their financial history.

The account has no monthly fees or minimum balance requirements. Members receive access to 30,000+ surcharge-free ATMs, 5,000+ shared branches, digital banking, and bill pay.

After six months, the account automatically upgrades to Regular Checking, adding mobile check deposit and Privilege Pay. Direct deposit is required to open the account, though Provisional Checking may be available if unavailable.

Market USA has a branch in Laurel, Maryland, and access to nationwide locations through the Shared Branch Network.

Apply online →

Security Plus Federal Credit Union

Security Plus Federal Credit Union
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Security Plus FCU provides Revive Checking, a second chance account with affordable access to essential banking tools.

The account requires a $25 opening deposit. It carries a $5 monthly fee, which can be waived with at least one ACH deposit per month. You’ll receive a Visa debit card after 30 days, free checks, and access to online and mobile banking.

Membership is open to individuals who live, work, worship, or attend school in Baltimore, or those with immediate family already members. Branches are located in Baltimore and Owings Mills.

Apply online →

Woodforest National Bank

Woodforest National Bank
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Woodforest National offers a second chance checking account to help individuals rebuild their financial standing.

The account requires a $25 opening deposit and a one-time setup fee of $9. The $11.95 monthly fee is reduced to $9.95 with direct deposit. You can avoid the $3 paper statement fee by opting for e-statements.

Branches are located in Aberdeen, Arbutus, California, Cockeysville, Frederick, Fruitland, Hanover, Landover Hills, Laurel, Pocomoke City, Salisbury, and Severn.

Apply online →

Second Chance Banks by State

Choose your state from the list below to find second chance checking accounts and see what options are available near you.