Second Chance Checking Accounts in Nevada

If you’ve been denied a checking account in Nevada, negative history like unpaid fees, overdrafts, or account closures may be the reason. Many banks use screening tools like ChexSystems, which can make it harder to get approved.

Second chance checking accounts can help you rebuild your banking history and regain access to essential financial services.

10 Banks & Credit Unions Offering Second Chance Bank Accounts in Nevada

Here’s a list of banks and credit unions in Nevada offering second chance accounts for those looking to improve their banking record.

SoFi

Our Top Pick
SoFi
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Features & Benefits

  • Earn up to $400 with qualifying direct deposit
  • No monthly fees or minimum balance requirements
  • Up to 3.30% 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 $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.

Apply online →

Current

Current
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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.

Apply online →

Chime

Chime
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Features & Benefits

  • No ChexSystems checks or credit pull
  • Open an account with no minimum deposit
  • Access over 47,000 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 47,000 fee-free ATMs, early direct deposit, and cash deposit options at more than 8,500 Walgreens locations.

Apply online →

Stash

Stash
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Features & Benefits

  • No hidden fees
  • Earn stock as you spend with Stock-Back® rewards
  • Get paid up to two days early with direct deposit
  • 55,000+ fee-free ATMs through Allpoint®

Stash offers a checking account that does not require ChexSystems or a credit check. This makes it accessible if you have 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.

The account is managed through the Stash mobile app. The app also gives you tools for investing and budgeting.

Apply online →

Create Credit Union

Create Credit Union
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Create Credit Union offers CheckAgain 2nd Chance Checking for members working to rebuild their banking history.

Branches are located in Henderson, Las Vegas, and North Las Vegas.

The account has a $12 monthly fee and includes full teller and phone center access, free online and mobile banking, a free debit card, and free monthly e-statements.

Stick with it for 12 months of approved activity and you can upgrade to their Essential or Bonus Checking options.

Apply online →

Credit Union 1

Credit Union 1
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Credit Union 1 provides Second Chance Checking with no monthly fees or minimum balance requirements.

After 12 months in good standing, you can switch to Free Checking or High Yield Checking.

The account includes a Visa debit card, mobile deposits, online bill pay, early direct deposit, and savings round-up tools. CU1 also offers personalized financial education through their Financial Wellbeing platform.

Credit Union 1 has a branch in Henderson, Nevada.

Apply online →

UNIFY Financial Credit Union

UNIFY Financial Credit Union
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UNIFY Financial Credit Union offers Right Start Checking for individuals building or repairing their banking history.

The account has no monthly fees, no minimum balance, and no per-check fees.

It includes eBanking, transaction tracking, mobile deposit, and bill pay. UNIFY has a branch in Las Vegas, Nevada.

Apply online →

WaFd Bank

WaFd Bank
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WaFd Bank provides the Fresh Start Account for those who’ve been denied a checking account elsewhere.

It requires a $25 deposit to open and carries a $4 monthly fee.

The account offers online and mobile banking, person-to-person payments, and no overdraft fees. You can upgrade to a traditional checking account after demonstrating responsible use.

WaFd Bank has branches in Elko, Ely, Fallon, Fernley, Las Vegas, Mesquite, and North Las Vegas.

Apply online →

Wells Fargo

Wells Fargo
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Wells Fargo offers Clear Access Banking for those with past financial challenges.

You can open the account with a $25 deposit. It comes with a $5 monthly fee, waived for account holders aged 13 to 24.

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

Wells Fargo operates branches in Boulder City, Carson City, Elko, Fallon, Gardnerville, Henderson, Las Vegas, North Las Vegas, Pahrump, and Reno.

Apply online →

WestStar Credit Union

WestStar Credit Union
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WestStar Credit Union offers Fresh Start Checking for those seeking to rebuild their financial history.

The account has no minimum deposit to open, but there’s a $16.50 monthly fee.

You’ll get unlimited check writing, a debit Mastercard, online banking, mobile banking, and overdraft protection. After 12 months of good account history, you may upgrade to Simple Checking with no monthly fees.

WestStar Credit Union has branches in Las Vegas and Reno.

Apply online →

Second Chance Banks by State

Choose your state from the list below to find second chance checking accounts and see what options are available near you.