Second Chance Checking Accounts in Minnesota

If a negative banking history is making it hard to open an account in Minnesota, you still have options. Many banks use ChexSystems, but second chance checking accounts can help you rebuild your financial standing and get back to everyday banking.

6 Banks & Credit Unions Offering Second Chance Bank Accounts in Minnesota

Here are banks and credit unions across Minnesota offering second chance checking for individuals looking to restore their banking access.

Current

Our Top Pick

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.

Chime

Features & Benefits

  • No ChexSystems checks or credit pull
  • Open an account with no minimum deposit
  • Access over 60,000 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 60,000 fee-free ATMs, early direct deposit, and cash deposit options at more than 8,500 Walgreens locations.

SoFi

Features & Benefits

  • Earn up to $300 with qualifying direct deposit
  • No monthly fees or minimum balance requirements
  • Up to 3.80% 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 $300, plus earn a competitive 3.80% 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.

Minnesota Valley Federal Credit Union

Minnesota Valley FCU offers Second Chance Checking, designed for individuals working to rebuild their banking history.

The account requires a $100 minimum balance to avoid a $2 monthly fee. Overdraft protection is available from your savings account, and members receive the same features as standard checking, including debit card access and online banking.

Membership is open to individuals who live, work, worship, attend school, or volunteer in Blue Earth, Le Sueur, or Nicollet counties. Minnesota Valley FCU has two branches in Mankato—one uptown and one downtown.

Unity One Credit Union

Unity One CU provides Clean Start Checking, a second chance account for those looking to regain financial control.

The account requires a $50 opening deposit and carries low monthly fees, with no ongoing balance requirements.

Members have access to over 30,000 surcharge-free ATMs and 5,000+ shared branch locations nationwide.

After 12 months of responsible account use, members may upgrade to Best Free Checking, which has no monthly fees. Unity One has a Minnesota branch located in Maplewood.

Wells Fargo

Wells Fargo offers Clear Access Banking, a second chance option for those who may not qualify for a standard account due to past banking issues.

The account requires a $25 opening deposit and carries a $5 monthly fee, which is waived for account holders ages 13 to 24. Features include mobile banking, online bill pay, and access to 13,000+ fee-free ATMs nationwide.

Wells Fargo has branches in over 120 cities across Minnesota, including Blaine, Bloomington, Brooklyn Park, Duluth, Eagan, Minneapolis, Plymouth, Rochester, St. Cloud, and St. Paul.