Getting a bank account in Mississippi isn’t as hard as it seems, even if you have a history in ChexSystems. While many banks seemingly punish you for up to 5 years after one or more financial mistakes, you do have options available.

In fact, you have a diverse range of options for non-ChexSystems banks and second chance accounts in Mississippi. From online options to local credit unions, and even some large regional and national banks, explore your choices to make your next banking move a smart one.

Non-ChexSystems & Second Chance Banks in Mississippi

Here’s the comprehensive list of Mississippi banks and credit unions that don’t require a clean slate to get a checking account that meets the needs of your everyday lifestyle.


Our Top Pick
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on Chime's secure website

With Chime, bad banking history is not an issue. They offer an award-winning financial app, a debit card, and a credit-builder Visa credit card, all with no credit check.

The Chime Spending Account is 100% free and has no monthly fees:

  • no overdraft fees
  • no monthly maintenance fees
  • no foreign transaction fees
  • no minimum balance fees

They’ll even spot you up to $200 on debit card purchases with no overdraft fees.

You can also start building your credit with the Chime Credit Builder Visa Credit Card. It’s a secured credit card with no annual fees, no credit checks, and no interest charges.

Chime has over 60,000 fee-free MoneyPass® and Visa® Plus Alliance ATMs. Plus, you can get your paycheck up to 2 days earlier with direct deposit. You can also deposit cash for free at over 8,500 Walgreens.

You can see why Chime is our #1 choice.

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Our Second Pick
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on Current's secure website

Current is a financial technology company, not a bank. The company does not use ChexSystems or pull your credit report, and they have a lot to offer.

A Current mobile banking account includes fee-free overdraft protection of up to $100. You also get access to over 40,000 fee-free Allpoint ATMs with your Current debit card, and there is no minimum balance or hidden fees.

You can also get paid up to two days early with direct deposit with a Current Premium account. Plus, Current offers up to 4.00% APY with Current Savings Pods.

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Our Third Pick
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on Sable's secure website

Sable allows you to open a bank account with a debit card and secured credit card in just 5 minutes.

There are no credit checks, no fees, and no minimum deposit required. You can also get an unsecured credit card in about 4 months after using your secured card. That’s 3x faster than what traditional banks offer.

The Sable credit card offers 2% cashback on your favorite brands.

To open a Sable account, you don’t need a social security number or U.S. credit history. You can also send money to 55+ countries and get multilingual customer support.

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Apply Now

on BanCorpSouth's secure website

BancorpSouth’s Second Chance Checking account can help you get back into banking once they’ve reviewed your check writing history.

If you are approved, you could upgrade to a traditional checking account in 12 months as long as you don’t have any overdrafts of bad checks. You get unlimited check writing plus a MasterCard debit card. It also comes with online banking and access to BudgetWi$e, an online budgeting tool.

The monthly service fee is $10 and you need $50 as an opening deposit. BancorpSouth has multiple branches throughout Mississippi, which are particularly clustered around Gulfport, Biloxi, and Hattiesburg.

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Apply Now

on BankPlus' secure website

BankPlus offers an education program that allows you to access bank accounts as well as loans, all while helping you rebuild your banking and credit history.

It’s called CreditPlus, and it’s a course centering around financial literacy to help you manage your money better. Once you complete the course, you can establish a CreditPlus checking and savings account. If you’ve been stuck in the payday lending cycle, you can also then apply for a CreditBuilder loan.

BankPlus has more than 30 branch locations throughout the state of Mississippi.

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Citizens National Bank

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on Citizens National Bank's secure website

You can apply for Citizens National Bank’s Clean Slate Checking account. If you keep your account in good standing for 18 months, you can then upgrade to a traditional checking account.

Get started with Clean Slate Checking with a $50 opening deposit, then pay a monthly service fee of $9.95. That can be reduced by $2 if you sign up for direct deposit.

Once your account is opened, you’ll get a debit card, online banking, and mobile banking. You can also take advantage of text banking and Apple Pay. When you need in-person service or support, you can find Citizens National Bank branches in the following locations:

  • Carthage
  • Columbus
  • Flowood
  • Hattiesburg
  • Kosciusko
  • Laurel
  • Macon
  • Madison
  • Meridian
  • Olive Branch
  • Philadelphia
  • Quitman
  • Ridgeland
  • Southaven
  • Waynesboro
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First Bank

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on First Bank's secure website

Rather than using ChexSystems, First Bank uses Telecheck to approve checking account applications. There are multiple account options to choose from. The most basic one is Regular Checking, which has just a $5.95 monthly fee that can be waived if you keep $500 in your account. The opening deposit is $100.

First Bank has 17 locations throughout Southwest Mississippi, including Brookhaven, Hattiesburg, Liberty, Madison, Magnolia, McComb, Monticello, Osyka, and Summit.

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First National Bank of Picayune

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on First National Bank of Picayune's secure website

First National Bank of Picayune also uses Telecheck rather than ChexSystems. The three checking account options include Choice, Choice PLUS, and Max Checking. With Choice Checking, you only need a $50 opening deposit. If you keep at least $50 in your account, you’ll get the $6 monthly fee waived.

There are six First National Bank of Picayune branches located in Picayune, Poplarville, and Wiggins.

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Gulf Coast Community Federal Credit Union

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on Gulf Coast Community FCU's secure website

You can get a New Chance Checking account from Gulf Coast Community Federal. To qualify, your ChexSystems record can be unpaid and less than one year old. If you’ve paid your outstanding fees already and they’re more than a year old, you can apply for any account you want.

The New Chance Checking account has a $15 monthly fee and requires a $100 opening deposit, but there is no minimum balance requirement. For transactions, you get a free Visa debit card, plus unlimited check writing.

After a year of no more than two NSF charges, you can apply for a traditional checking account. Gulf Coast Community Federal has branches in Gulfport, Bay St. Louis, and D’Iberville.

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Hope Community Credit Union

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on Hope Community CU's secure website

Hope Community’s Easy Checking account is designed for individuals who want to rebuild their banking history, have never had a checking account before, or use payday lenders.

There’s a $9.95 monthly fee and a $25 minimum balance. You can, however, get the monthly fee waived if you maintain a $200 minimum balance. The account comes with unlimited paperless transactions, but no paper checks.

There are 14 Hope Community branches in Mississippi, plus countless more across the South. You can also take advantage of online and mobile banking with the Easy Checking account.

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Magnolia Federal Credit Union

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on Magnolia FCU's secure website

Opportunity Checking is a second chance account from Magnolia Federal. It takes a $20 opening deposit, plus an account opening fee of another $20. If you sign up for direct deposit, you’ll pay just $15 per month, but the fee jumps to $20 if you don’t sign up for direct deposit.

In addition to the standard banking features and services you can enjoy with the Opportunity Checking account, Magnolia FCU also offers some pretty substantial incentives to keep your account in good standing.

After 12 months of perfectly managing your account, you can switch to any other checking account, plus be rewarded with a $100 savings deposit. Magnolia Federal has branches in Jackson, Brandon, Madison, and Yazoo City.

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MUNA Federal Credit Union

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on MUNA's secure website

MUNA Federal has a Fresh Start Checking account if you’ve had trouble managing past checking accounts. You’ll receive a Visa debit card and pay a monthly fee of $10.50.

To apply, you must go into a branch and speak directly to a customer service representative. MUNA FCU is located in Meridian, Mississippi. To join, you must live, work, or worship in Lauderdale County.

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PriorityOne Bank

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on PriorityOne Bank's secure website

You may be able to qualify for an account with PriorityOne Bank based on your credit report rather than your ChexSystems record. Their Keep It Simple Checking account is a basic option that helps you with your everyday banking needs. It takes a $50 deposit to get started, then you’ll pay $7 per month unless you maintain a minimum daily balance of $100 or more.

Keep It Simple Checking does come with anywhere banking services, including online banking, bill pay, and mobile banking with deposit. Mississippi locations for PriorityOne Bank include branches throughout Covington County, Lamar County, Rankin County, Scott County, Simpson County, and Madison County.

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Renasant Bank

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on Renasant's secure website

Renasant Bank doesn’t use ChexSystems, so you may get approved for one of their checking accounts. The most basic option you’ll find is Renasant Checking, which includes online banking tools to keep you connected to your account on the go.

The monthly fee is $8 per month but you can easily get that waived by either maintaining a balance of $500 or signing up for e-statements. You get both a debit card and unlimited check writing with Renasant Checking. You’ll find branches across the state of Mississippi.

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UNIFY Financial Credit Union

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on UNIFY's secure website

From Unify Financial comes the Right Start Checking account. There’s no minimum balance required and it takes just $25 to open your account.

You get e-banking access plus no monthly or per-check fees. You can even receive overdraft protection up to $250. There’s one branch in Mississippi, located in Blue Springs.

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