Second Chance Checking Accounts in Mississippi

If past overdrafts or unpaid fees are making it hard to open a checking account in Mississippi, you still have options. Second chance checking accounts can help you rebuild your financial history and get access to everyday banking services.

9 Banks & Credit Unions Offering Second Chance Bank Accounts in Mississippi

Below are banks and credit unions across Mississippi that offer second chance checking to help you get back on track.

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.

Citizens National Bank

Citizens National offers Clean Slate Checking, a second chance account designed for people working to rebuild their banking history.

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.

Gulf Coast Community Federal Credit Union

Gulf Coast Community FCU offers New Chance Checking for individuals with recent ChexSystems records, even if unpaid and less than one year old.

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.

Hope Credit Union

Hope Credit Union offers Easy Checking, designed for individuals rebuilding their banking history or those new to checking accounts.

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.

Magnolia Federal Credit Union

Magnolia FCU provides Opportunity Checking, designed for those rebuilding their financial standing.

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.

MUNA Federal Credit Union

MUNA FCU offers Fresh Start Checking, a second chance account for individuals with past banking challenges.

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.

Red River Credit Union

Red River CU provides Fresh Start Checking, helping members with a ChexSystems record regain banking access.

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.