Second Chance Checking Accounts in Missouri

If your banking history includes unpaid fees, overdrafts, or negative marks, getting approved for a new account in Missouri can be tough. Luckily, many banks and credit unions offer second chance checking accounts to help you get back on track.

These accounts can give you access to debit cards, mobile banking, and other essential services—even with a ChexSystems record.

16 Banks & Credit Unions Offering Second Chance Bank Accounts in Missouri

Below are banks and credit unions across Missouri offering second chance checking to help rebuild your banking access.

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.

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.

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.

Central Bank of the Midwest

Central Bank offers Fresh Start Checking, designed for those looking to rebuild their banking history.

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.

Columbia Credit Union

Columbia CU provides Fresh-Start Checking, an option for members with past account challenges.

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.

Electro Savings Credit Union

Electro Savings CU provides Fresh Start Checking, with no deposit required to open and no minimum balance requirement.

The account has a $10 monthly fee and includes mobile banking, remote deposit, bill pay, and a debit card—offering full digital banking access.

Branches are located in Maryland Heights, Manchester, St. Louis, and Wildwood.

First State Community Bank

First State offers New Opportunity Checking, designed to help rebuild your banking history.

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.

Focus Bank

Focus Bank offers Fresh Start Checking for those needing a second chance.

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.

Great Southern Bank

Great Southern provides a second chance account with a $25 minimum deposit and a $10 monthly fee.

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.

Health Care Family Credit Union

Health Care FCU offers Fresh Start Checking, requiring a $50 deposit and a $10 monthly fee.

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.

Montgomery Bank

Montgomery Bank offers New Start Checking, designed for individuals needing to rebuild.

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.

St. Louis Community Credit Union

St. Louis Community CU provides Freedom Checking, a second chance option for members with past banking problems.

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.

United Bank of Union

United Bank of Union offers Second Chance Checking for individuals working to rebuild their banking history. It comes with a debit card, online banking, and essential account features.

After keeping the account in good standing for 12 months, you may qualify for an upgrade to a standard checking account.

United Bank of Union has three branch locations in Union, Missouri.

United Consumers Credit Union

United Consumers offers a Second Chance Account with a $10 monthly fee and no ongoing balance requirement.

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.

United Credit Union

United CU offers Restore Checking, designed to help rebuild your financial profile.

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.

Wood & Huston Bank

Wood & Huston provides StartFresh Checking, designed to help restore financial stability.

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.