Second Chance Checking Accounts in Missouri

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.

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.

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.

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.

The account requires a $50 opening deposit and an $8 monthly fee, which is reduced to $6 with direct deposit. You’ll get unlimited check writing, free bill pay, plus online and mobile banking access.

Branches are located in Chesterfield, Columbia, Independence, Kansas City, Lee’s Summit, O’Fallon, Springfield, St. Charles, St. Louis, and Wentzville.

The account has a $15 monthly fee, with required eStatements to avoid extra charges. There’s no minimum balance, and members receive a free Visa debit card, online banking, mobile banking, and CO-OP/Allpoint ATM access.

Columbia CU has a branch in Columbia, Missouri.

The account requires a $50 deposit and carries a $9.95 monthly fee, reduced to $7.95 with direct deposit. You’ll get a free MasterCard debit card, mobile banking, bill pay, and online access.

Branches are located in Cape Girardeau, Columbia, Farmington, Festus, Jackson, Mexico, Moberly, Rolla, Sikeston, Washington, and more.

The account requires a $50 opening deposit, with a $7.95 monthly fee—reduced to $5.95 with eStatements. It includes mobile banking, bill pay, and a debit card for everyday access.

Branches are located in Caruthersville, Charleston, East Prairie, and Sikeston.

There’s no check writing or check cashing, but you’ll get a debit card, mobile banking, and the option to upgrade after 60 days of positive account use and completing six FDIC Money Smart courses.

Branches are located in Affton, Columbia, Creve Coeur, Des Peres, Joplin, Lee’s Summit, Springfield, St. Louis, St. Peters, and Weldon Spring.

Direct deposit is required, but after 12 months in good standing, you may qualify for a standard account. Members get online banking, bill pay, and debit card access.

Branches are located in Richmond Heights and St. Peters.

The account requires a $20 deposit, but has no monthly fee or ongoing balance requirement. Features include check writing, online banking, and a free debit card.

Branches are located in Bridgeton, Cape Girardeau, Chesterfield, Des Peres, Ellisville, Jackson, Sikeston, St. Louis, Valley Park, and Webster Groves.

A savings account is required alongside checking. After six months of responsible use, you may upgrade to a standard account.

Branches are located in Ferguson, Florissant, Jennings, Richmond Heights, St. John, St. Louis, Sullivan, and University City.

The account requires a $100 minimum opening deposit. After 12 months of responsible account management, you may qualify for a standard account.

Branches are located in Independence, Raytown, and St. Joseph.

The account has a $10 monthly fee and includes online banking, a debit card, and bill pay. After six months of maintaining a positive balance, members may upgrade to a standard account.

Branches are located in Columbia, Fulton, Mexico, Moberly, Troy, and Vandalia.

The account includes a debit card with CardControl, allowing you to set limits and receive instant alerts. It also offers mobile banking, bill pay, Zelle, and online banking.

After 18 months in good standing, you can upgrade to a standard account.

Branches are located in Cape Girardeau, Higginsville, Jackson, Marshall, Sedalia, Springfield, and West Plains.