Second Chance Checking Accounts in Nebraska

Getting denied for a checking account in Nebraska doesn’t mean you’re out of options. Many banks use ChexSystems to review your history, which can cause problems if you’ve had overdrafts or unpaid accounts.

Second chance bank accounts give you another opportunity to manage your money, avoid fees, and work toward better financial stability.

5 Banks & Credit Unions Offering Second Chance Bank Accounts in Nebraska

Below is a list of banks and credit unions in Nebraska that offer second chance checking accounts, even if you’ve been denied elsewhere.

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.

Central National Bank

Central National Bank offers New Opportunity Checking, designed for those rebuilding their banking history.

The account requires just a $30 deposit to open, and the $9.99 monthly fee drops to $7.99 with direct deposit.

There’s no ongoing balance requirement, and account holders get unlimited check writing, free e-statements, mobile banking, and access to MoneyCentral for budgeting tools.

Central National Bank has a Nebraska branch in Superior, with additional locations across Kansas.

Wells Fargo

Wells Fargo provides Clear Access Banking for individuals who need a second chance to manage their finances.

It requires a $25 opening deposit and includes mobile banking, bill pay, and access to 13,000+ Wells Fargo ATMs.

The $5 monthly fee is waived for account holders aged 13 to 24, making it a flexible option for those working to restore their banking access.

Wells Fargo has branches in Alliance, Bellevue, Grand Island, Hastings, Kearney, Lincoln, Norfolk, North Platte, Omaha, and Papillion.