Second Chance Checking Accounts in Michigan

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—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®—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 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.

The account requires a $25 opening deposit. Monthly fees can be reduced or waived with direct deposit and a $500 minimum balance.

Members get access to automatic bill pay, account alerts, and 30,000+ surcharge-free ATMs nationwide. After 12 months in good standing, you may qualify for a standard checking account.

Branches are located in Ann Arbor, Berkley, Detroit, Farmington, Ferndale, Grand Rapids, Macomb Township, Southgate, Sterling Heights, Troy, and other cities.

The account has no minimum balance requirement and carries a $9.95 monthly fee, reduced to $7.95 with direct deposit. Members enjoy unlimited check writing, free online and mobile banking, and access to thousands of ATMs.

After managing the account responsibly, you may upgrade to Ultimate, Pure, or Secure Checking accounts with added perks.

Branches are located in Birmingham and West Bloomfield.

The account comes with no minimum deposit, unlimited check writing, free online and mobile banking, and a debit card. The monthly fee is $5.

After maintaining the account in good standing, you can request an upgrade to a standard checking account with no monthly fees.

Branches are located in Big Rapids, Cadillac, Charlevoix, Fremont, Gaylord, Grayling, Houghton Lake, Midland, Standish, and other cities.

The account has no minimum balance requirement and includes unlimited check writing, online banking, mobile banking, and a free Mastercard debit card.

Members also have access to over 30,000 surcharge-free ATMs and may qualify for Overdraft Privilege.

Branches are located in Cedar Springs and Grand Rapids.

The account has no minimum balance and includes online and mobile banking, bill pay, and a free debit or ATM card. The monthly fee is $8 but can be reduced to $5 with direct deposit and eStatements.

Branches are located in Battle Creek, Coldwater, and Marshall.

The account provides essential features, including free online banking, mobile banking, eStatements, and a free debit card.

There are no minimum balance requirements, and members have access to over 30,000 fee-free ATMs. Monthly fees apply, with opportunities to upgrade to a regular account after maintaining good standing.

MFCU has branches across Michigan, including Midland, Mt. Pleasant, Clare, Gladwin, and other locations.

The account carries a $20 monthly fee with no minimum balance requirement. Features include mobile app access, online bill pay, unlimited checks, and over 30,000 surcharge-free ATMs. You also receive one free withdrawal per month from non-co-op ATMs.

After six months of responsible account use, you may upgrade to Premier Checking with no monthly fees.

Branches are located in Canton, Detroit, Eastpointe, Grand Rapids, Lathrup Village, Novi, Plymouth, Roseville, Shelby Township, and Troy.

The account costs $10 per month and includes direct deposit, free bill pay, check writing, and online banking. Members also gain access to over 5,000 shared branch locations nationwide.

Branches are located in Charlotte, East Lansing, Haslett, Holt, Lansing, Mason, and Okemos.