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 $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.

The account is available to people with lower credit scores and has a $10 monthly fee. The fee drops to $8 when you have direct deposit.

Opportunity Checking gives members a way to return to everyday banking while rebuilding stronger account habits with a local credit union.

Alltru Credit Union has branches in Florissant, Hazelwood, St. Charles, St. Louis, and Wentzville.

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 is built around the idea that everyone deserves access to a checking account. It gives customers a way to restart with a local bank while rebuilding a better banking record.

New Leaf Checking can be useful if past account problems have made it harder to qualify for standard checking elsewhere.

Century Bank of the Ozarks has branches in Ava, Bakersfield, Gainesville, and Theodosia.

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 gives customers a way to get back into everyday banking while working toward a stronger record. It can help with deposits, payments, debit card spending, and basic money management.

After 12 months in good standing, you may be able to move into FCNB Bank’s Real Life Checking account.

FCNB Bank has branches in Cuba, Eureka, Rolla, Steelville, and Sullivan.

The account requires $25 to open and has a $5 monthly fee. It does not charge overdraft fees, which can help reduce the risk of new banking setbacks while you rebuild.

New Start Checking gives customers a simple way to return to everyday banking and work toward stronger account habits.

First State Bank of St. Charles has branches in Chesterfield, Lake Saint Louis, O’Fallon, and St. Charles.

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 $25 to open and has a $5 monthly fee. It is designed for people who are seeking to rebuild, and it does not include overdraft coverage.

Fresh Start Checking can help you return to regular banking while keeping the account simple and predictable.

FM Bank and Trust has branches in Cape Girardeau, Clarkton, Dexter, and Jackson.

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.

The account requires $25 to open and has a $5 monthly fee. It gives customers a basic banking option while they work to rebuild a stronger account history.

BankOn Checking may be a good fit if ChexSystems has made it harder to qualify for a traditional account, but your record does not include abuse or fraud.

Guaranty Bank has branches in Carthage, Joplin, Neosho, Nixa, Ozark, and Springfield.

The account requires a $50 opening deposit and has a $10 monthly fee. Direct deposit is required, and members get access to online banking, bill pay, and debit card services.

Fresh Start Checking gives members a way to rebuild their banking history while still having access to everyday account tools.

After 12 months in good standing, you may be able to move into a standard checking account.

Health Care Federal Credit Union has branches in Richmond Heights and St. Peters.

The credit union connects members with Fresh Start-style resources and account support after a setback.

It may be worth considering if you need a community-focused credit union that works with people rebuilding their financial lives.

Holy Rosary Credit Union has branches in Independence, Kansas City, and St. Joseph.

The account is designed for people who either do not have a financial history or need a way to rebuild. It gives customers access to everyday banking while working toward a stronger financial record.

Life Happens™ Checking may be useful if past financial or banking issues have made it harder to qualify for a standard account.

Midwest BankCentre has branches in Arnold, Chesterfield, Crystal City, De Soto, Fenton, Imperial, Oakville, and more.

The account requires a $20 opening deposit, but it has no monthly fee and no ongoing balance requirement. It includes check writing, online banking, and a free debit card.

New Start Checking can be a good fit if past account issues have made it harder to qualify for a standard checking account.

It gives customers a simple way to return to everyday banking without adding another monthly fee.

Montgomery Bank has branches in Bridgeton, Cape Girardeau, Chesterfield, Des Peres, Ellisville, Jackson, Sikeston, and more.

The account is designed for people who have struggled with issues such as frequent overdrafts, credit delinquency, or loan default. It gives members a way to get back on their feet with a credit union checking account.

Fresh Start Checking has a $10 monthly fee and can help members move away from expensive alternatives like check-cashing services or prepaid cards.

Multipli Credit Union has branches in Ashland, Columbia, Jefferson City, and Springfield.

The account is designed as a second chance at banking. It is debit-only at first, which can help reduce the risk of new account problems while you rebuild.

After 12 months of responsible use, you may be able to move into a regular checking account.

Ozark Federal Credit Union has branches in Cape Girardeau, Dexter, Doniphan, Jackson, Piedmont, and Poplar Bluff.

The account gives members a way to restart with a checking relationship while working toward a cleaner account history. It does not include checks or overdraft access, which can help keep spending tied to available funds.

Once your checking history has improved, you may be able to move into another Riverways checking account.

Riverways Federal Credit Union has branches in Rolla and Salem.

The account is designed to help members get back into regular banking while rebuilding a stronger account history. A savings account is required alongside the checking account.

Freedom Checking also gives members a path forward. After six months of responsible account use, you may be able to upgrade to a standard checking account.

St. Louis Community Credit Union has branches in Ferguson, Florissant, Jennings, Richmond Heights, St. John, St. Louis, Sullivan, and more.

The account requires $50 to open and has a $6.95 monthly fee. It gives customers a way to restart with a local bank and rebuild a better checking history.

New U Checking has an extra eligibility rule. To qualify, you must already have a UNICO account with a $1,000 average balance.

UNICO Bank has branches in Bismarck, Desloge, Farmington, Kennett, Park Hills, and Potosi.

The account includes a debit card, online banking, and core checking features for everyday money management.

It gives customers a way to handle deposits, payments, and spending while building a better account record.

Second Chance Checking also includes an upgrade path. After keeping the account in good standing for 12 months, you may qualify for a standard checking account.

United Bank of Union has branches in Union.

The account requires a $100 minimum opening deposit and has a $10 monthly fee. There is no ongoing balance requirement, which can make the account easier to maintain while rebuilding.

After 12 months of responsible account management, you may qualify for a standard checking account. That gives members a clear path back to regular credit union banking.

United Consumers Credit Union has branches in Independence, Raytown, and St. Joseph.

The account has a $10 monthly fee and includes online banking, a debit card, and bill pay. It gives members a way to return to everyday banking while working toward better account habits.

Restore Checking also includes a path to upgrade. After six months of maintaining a positive balance, members may be able to move into a standard checking account.

United Credit Union has branches in Columbia, Fulton, Mexico, Moberly, Troy, and Vandalia.

The account is designed to help members restore and rebuild their financial status. It gives you a way to return to everyday banking while proving responsible account use.

After one year with no new ChexSystems records, you may be able to upgrade to another checking account.

Volt Credit Union is based in Springfield.

The account requires $25 to open and has a $10 monthly fee. After three months of satisfactory history, members may qualify for up to $400 in overdraft privilege.

Fresh Start Checking gives members a way to restart with a credit union and build a stronger account record over time.

West Community Credit Union has branches in Brentwood, Florissant, Kirkwood, Lake St. Louis, O’Fallon, St. Louis, and St. Peters.

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.