Second Chance Checking Accounts in Nevada

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.

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.

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.

Stick with it for 12 months of responsible financial behavior and you unlock additional benefits and can work toward rebuilding your financial record. It is worth asking about their Second Chance Debit Card too.

Like EFCU’s other checking accounts, this one comes with no minimum balance, unlimited check writing, a free Visa debit card, and access to more than 30,000 CO-OP ATMs nationwide.

If you overdraw, the credit union offers a few options in order of preference, an automatic transfer from savings, an overdraft loan, or Courtesy Pay coverage.

Elko Federal Credit Union has branches in Elko and Spring Creek, Nevada.

The account requires no minimum balance and carries a $10 monthly service fee for the first 12 months. It comes with a Visa debit card and around the clock access to your money through online banking.

Courtesy Pay is available if you want ATM and point of sale transactions covered, though you will need to complete a consent form to opt in.

Plus Credit Union is based in Las Vegas, Nevada, and deposits are insured by American Share Insurance up to $250,000.

It gives you the core tools you need to manage your money day to day without unnecessary fees standing in the way.

There are no monthly fees, no minimum balance, and no per-check fees. The account includes eBanking, transaction tracking, mobile deposit, and bill pay.

UNIFY has a branch in Las Vegas, Nevada.

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.

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.

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.