Second Chance Checking Accounts in Montana

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.

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.

Keep in mind this isn’t a dedicated second chance account. It’s a Bank On certified account with no overdraft, and the bank doesn’t publish a policy on approving applicants with a past banking record, so approval isn’t guaranteed for everyone with prior marks.

It takes $25 to open and is check-free and overdraft-free, so any transaction you can’t cover is declined rather than charged a fee.

You get a Mastercard debit card, online and mobile banking, free eStatements, and surcharge-free withdrawals at First Interstate and MoneyPass ATMs.

Headquartered in Billings, First Interstate is the largest bank based in Montana, with branches across the state including Billings, Bozeman, Helena, Livingston, and Cut Bank.

What sets it apart is a clear qualification: it’s open to members who have $500 or less in checking collections at another institution, so you know up front whether you’re a fit.

It takes $25 to open, has no minimum balance, and carries a $10 monthly fee, with free online, mobile, and telephone banking, bill pay, and eStatements.

After six months of solid performance with no NSF fees, you can move up to a standard checking account. Sky serves south-central Montana, with branches in Belgrade, Big Timber, Bozeman, Ennis, and Livingston.

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.

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.