Struggling to open a checking account in Mississippi due to a negative ChexSystems listing?
While most banks use ChexSystems to review your banking history, there are some that don’t. Additionally, some banks offer second checking accounts.
Non-ChexSystems & Second Chance Banks in Mississippi
We’ve compiled a comprehensive list of Mississippi banks and credit unions that allow anyone to open a checking account, regardless of their banking history.
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.
Cadence Bank offers several checking accounts that don’t use ChexSystems. Minimum opening deposits range from $25 to $1,000. However, for some checking accounts you can get the monthly fee waived by meeting certain requirements.
The accounts come with the basic features you’d expect, like a free debit card, online banking, and bill pay.
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:
- Olive Branch
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.
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.
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.
Hope Credit Union uses ChexSystems, but they aren’t as strict with negative entries as other financial institutions.
As long as the applicant has a credit score of at least 600, and doesn’t owe any money to Hope Community, HCCU is likely to open an account.
Hope CU offers five checking account options. Some of them have a $25 minimum balance requirement and as a $9.95 monthly fee. However, the fee is waived if the account has at least $200 in it.
Checking accounts come with unlimited paperless transactions, free online and mobile banking, free eStatements, and overdraft protection options.
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.
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.
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.
Renasant Bank uses ChexSystems, but it has built a reputation for being more lenient with negative records than other banks. As long as there isn’t a history of fraud and the applicant does not owe any money to Renasant, you may open an account.
Renasant offers four checking options: Renasant Checking, Student Checking, Rewards Checking, and Rewards Extra.
Checking accounts come with online and mobile banking (including remote deposit), bill pay, a free Visa debit card, and Renasant’s Mobile Wallet.
The mobile wallet currently works with:
- Apple Pay
- Apple Pay Cash
- Google Pay
UNIFY Financial doesn’t use ChexSystems to screen new applications. They offer four different checking accounts: Free Checking, Right Start Checking, eChecking, and Premier Checking.
There’s a $25 minimum opening deposit. Each checking account comes with a free Visa Debit Card, free check writing, and free access to online and mobile banking.
Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.
1. Out-of-network ATM withdrawal fees may apply with Chime except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
2. Early access to direct deposit funds depends on the timing of the submission of the payment ﬁle from the payer. Chime generally make these funds available on the day the payment ﬁle is received, which may be up to 2 days earlier than the scheduled payment date.
7. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or beneﬁts payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, veriﬁcation or trial deposits from ﬁnancial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
Non-ChexSystems Banks by State
Looking for more information and additional options available in your area? Select your state from the list below to explore your options.
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- Washington, DC
- West Virginia