Second Chance Checking Accounts in New Hampshire

If you’ve been denied a checking account in New Hampshire, past banking issues like overdrafts or unpaid fees are likely the reason. Many banks use ChexSystems to screen applicants, which can make it harder to open an account if you’ve had financial setbacks.

Second chance checking accounts give you an opportunity to rebuild your banking history and restore access to essential financial services.

4 Banks in New Hampshire That Don’t Use ChexSystems

Below is a list of banks and credit unions in New Hampshire that offer second chance checking options for people working to reestablish their financial footing.

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.

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.

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.

GFA Federal Credit Union

GFA Federal Credit Union offers New Start Checking, designed for individuals in New Hampshire who need to rebuild their banking history.

The account requires a $25 opening deposit and comes with a debit card, free eStatements, and access to mobile and online banking.

Paper checks and overdraft protection are not included, but balances are fully insured by the NCUA.

GFA has branches in Keene, Peterborough, and Rindge, New Hampshire.