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, with 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®. It’s 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 with no ChexSystems review or credit check. This makes it accessible if you’ve 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.

Everything is managed through the Stash mobile app, which also includes investing and budgeting tools.

As the credit union puts it, check again. It gives you the features you need to get back on track, with eligibility to move up to a regular checking account after 12 months.

The monthly service fee is $10, dropping to $8 with direct deposit. The account comes with a debit card with modest limits while you rebuild, up to four starter checks a month, and free mobile banking.

There is no overdraft protection, which keeps your spending within your balance, and balances over $1,500 even earn dividends.

1st Mississippi is a CDFI certified credit union with branches in Meridian and Quitman, Mississippi.

If you have been ineligible to maintain a traditional checking account before, this account gives you a way back in, with a clear path forward: stay free of NSF fees for 12 months and you can qualify for one of the bank’s other checking accounts.

It takes $100 to open and carries a $10 monthly service charge. You get a low-limit debit card for the first 12 months while you rebuild, plus online and mobile banking. The $3 paper statement fee is waived when you enroll in eStatements.

Bank of Yazoo has branches in Flora, Flowood, Pearl, and Yazoo City, Mississippi.

It was created as a fresh start for customers who have previously had challenges with a bank account, and the bank works with you one on one to get you back on track.

It takes a $50 minimum deposit to open and carries a $12 monthly service charge.

The account comes with the bank’s standard conveniences, including a debit card, free online and mobile banking, account alerts, bill pay, mobile wallet support, and unlimited check writing and deposits.

The Citizens Bank serves communities across Mississippi, with branches in Biloxi, Gulfport, Hattiesburg, Meridian, Oxford, Philadelphia, Ridgeland, and Starkville, among others.

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.

Technically it’s a savings account paired with a debit card, but it covers the everyday basics while you rebuild, and after a year of responsible use you can apply for one of Keesler’s regular checking accounts.

The account has a $10 monthly fee and comes with a free Mastercard debit card, free online and mobile banking, and worldwide ATM access, including free withdrawals at Allpoint, CUHere, and MoneyPass ATMs. You open it at a branch.

Keesler is the largest credit union in Mississippi, with branches across the state including Biloxi, Gulfport, Hattiesburg, Jackson, Ocean Springs, Pascagoula, Picayune, and Ridgeland.

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.

For a low monthly fee, it lets you get back on track and renew your checking history, and after 12 consecutive months in good standing you can apply to upgrade to another checking account.

The account comes with a free Visa debit card and no limit on transactions, so you can use your card as often as you want with no extra fee.

You also get free e-statements, online and mobile banking, bill pay, e-alerts, and access to CO-OP shared branching after 60 days of membership.

Members Exchange has branches in Byram, Pearl, and Ridgeland, Mississippi.

It follows the classic second chance structure, with a path to request an upgrade to another account type after one year.

It takes just $25 to open and has a low $5 monthly service charge.

The account includes unlimited check writing, free official checks, a complimentary Visa debit card with Apple Pay, Samsung Pay, and Google Pay support, free internet and mobile banking, and bill pay that is free when used monthly. You can apply online.

Planters is a community development financial institution serving the Mississippi Delta and beyond, with branches in Batesville, Clarksdale, Cleveland, Greenville, Greenwood, Indianola, Olive Branch, and Southaven, among others.

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.