Second Chance Checking Accounts in Maryland

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.

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.

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.

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.

Its Simple Checking account is aimed squarely at rebuilding, giving you a clean way to re-establish a good track record and work on your credit at the same time.

The economics are straightforward: $25 gets the account open, there’s a flat $10 monthly fee, and no minimum balance to worry about. You’ll never get hit with an overdraft or NSF charge either, since a transaction you can’t cover just gets declined.

The account still comes fully equipped, with a Visa debit card, mobile deposit, credit monitoring built in, and fee-free access to a huge shared network of ATMs and branches.

To join, you’ll need a tie to Montgomery County, whether you live, work, worship, volunteer, or go to school there. Branches sit in Gaithersburg, Germantown, and Silver Spring.

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.

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.

The account is also designed for members who are worried about overdraft or returned-item fees. That can make it a good fit if you want a simple checking account with fewer risks while you rebuild your banking history.

Basic Checking gives members a way to handle everyday deposits, payments, and debit card spending through a local credit union instead of relying on prepaid cards or check-cashing services.

WSSC Federal Credit Union has branches in Glenn Dale and Laurel.