Second Chance Checking Accounts in Massachusetts

Getting denied for a checking account in Massachusetts is often the result of past overdrafts, unpaid fees, or account closures showing up in ChexSystems.

Second chance checking accounts give you a way to start fresh. They help you rebuild your banking history while providing essential tools like debit cards, mobile banking, and direct deposit.

8 Banks & Credit Unions Offering Second Chance Bank Accounts in Massachusetts

Below are banks and credit unions across Massachusetts offering second chance checking accounts for individuals looking to get 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 →

Alden Credit Union

Alden Credit Union
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Alden CU offers No Boundaries Checking, a second chance account for individuals working to rebuild their banking history.

Approval depends on your ChexSystems record, but if accepted, you’ll receive an ATM card, 50 free personalized checks, and access to online banking, bill pay, and notary services.

The account requires a $10 opening deposit and has a $7.50 monthly fee. Membership is open to those who live, work, worship, or attend school in Hampden or Hampshire County, or to family of existing members.

Branches are located in Belchertown and Chicopee.

Apply online →

Athol Credit Union

Athol Credit Union
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Athol CU provides Fresh Start Checking, designed for individuals with previous banking challenges.

To open an account, you must become a member by depositing $25 into savings and resolving any charged-off accounts.

Fresh Start Checking requires a $25 deposit and has a $9.95 monthly fee, reduced to $7.95 with direct deposit.

Membership is available to those who live, work, or attend school in Franklin, Hampshire, or Worcester County. Athol CU has one location in Athol.

Apply online →

GFA Federal Credit Union

GFA Federal Credit Union
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GFA FCU offers New Start Checking, providing basic banking access for those rebuilding their financial standing.

The account requires a $25 opening deposit and includes a debit card, free eStatements, and online and mobile banking. Paper checks and overdraft protection are not included, but balances are NCUA insured.

Branches are located in Ashburnham, Gardner, Hubbardston, Leominster, Rutland, and Winchendon.

Apply online →

Webster Bank

Webster Bank
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Webster Bank offers Opportunity Checking, designed for individuals needing a second chance at managing a checking account.

The account requires a $50 deposit and carries a $16.95 monthly fee, reduced to $11.95 with direct deposit.

You’ll receive a Visa debit card, free online banking, mobile banking, balance alerts, and no fees for writing checks.

Branches are located in Attleboro, Boston, Brockton, Cambridge, Fall River, Lexington, Needham, Newton, Quincy, and Taunton, with other locations statewide.

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.