Second Chance Checking Accounts in Montana

If past banking issues have made it hard to open a new account in Montana, you’re not out of options. Many banks and credit unions across the state offer second chance checking to help you get back on track.

These accounts provide debit access, mobile banking, and essential services—even with a ChexSystems history.

6 Banks & Credit Unions Offering Second Chance Bank Accounts in Montana

Here are the Montana banks and credit unions offering second chance checking for those working to rebuild their financial standing.

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.

Clearwater Credit Union

Clearwater Credit Union offers SmartSpend Checking, a second chance account with no overdraft fees and basic debit access

It’s designed for individuals working to rebuild their banking history.

The account requires a $50 opening deposit and includes online banking, mobile access, and bill pay services.

Clearwater Credit Union has branches in Bozeman, Butte, Great Falls, Helena, Missoula, and Stevensville.

Valley Credit Union

Valley Credit Union provides Opportunity Checking for members with a ChexSystems record.

You can open the account with $50, and the $7.50 monthly fee is reduced to $5 with direct deposit.

The account comes with free online banking, mobile access, bill pay, and e-statements. Membership requires a $25 savings deposit and is open to those who live, work, worship, or attend school in eligible counties.

Valley Credit Union has locations in Billings, Bozeman, Columbus, Miles City, and Roundup.

Wells Fargo

Wells Fargo offers Clear Access Banking for those rebuilding their financial standing.

It requires a $25 deposit to open, with a $5 monthly fee that’s waived for account holders aged 13 to 24.

The account includes mobile banking, online bill pay, and free access to over 13,000 Wells Fargo ATMs nationwide.

Wells Fargo operates branches in Billings, Bozeman, Butte, Glasgow, Great Falls, Havre, Helena, Kalispell, Missoula, and Sidney.