Second Chance Checking Accounts in Mississippi

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 $50 opening deposit and carries a $9.95 monthly fee, which drops by $2 with direct deposit.

Features include a debit card, online and mobile banking, text banking, and Apple Pay. After 18 months in good standing, you can upgrade to a standard checking account.

Branches are located in Carthage, Columbus, Flowood, Hattiesburg, Kosciusko, Laurel, Macon, Madison, Meridian, Olive Branch, Philadelphia, Quitman, Ridgeland, Southaven, and Waynesboro.

The account requires a $100 opening deposit and has a $15 monthly fee, with no ongoing balance requirement.

You’ll get a free Visa debit card and unlimited check writing. After 12 months with no more than two NSF charges, you may upgrade to a standard checking account.

Branches are located in Bay St. Louis, D’Iberville, and Gulfport.

The account requires a $25 minimum balance and carries a $9.95 monthly fee, which is waived when you maintain at least $200.

Features include unlimited paperless transactions, free online and mobile banking, bill pay, remote check deposit, a debit card, eStatements, and overdraft protection options.

Membership typically requires a credit score of 600 or higher, and applicants must not owe money to Hope CU.

Branches are located across Mississippi, including Biloxi, Drew, Greenville, Itta Bena, Jackson, Louisville, Moorhead, Shaw, Terry, Utica, and West Point.

The account requires a $20 deposit and a $20 account setup fee. The monthly fee is $15 with direct deposit or $20 without.

After 12 months of responsible account use, you can upgrade to a standard checking account and receive a $100 savings deposit as a reward.

Branches are located in Flowood, Jackson, and Madison.

The account has a $10.50 monthly fee and includes a Visa debit card. To apply, you’ll need to visit a branch and meet with a representative.

Membership is available to those who live, work, or worship in Lauderdale County.

MUNA Federal is located in Meridian, Mississippi.

The account includes an instant-issue debit card, online and mobile banking, and access to surcharge-free ATMs and ITMs.

The monthly fee is $10. After 12 months in good standing, you may qualify for an upgrade to a regular account.

Branches are located in Batesville and Clarksdale.