Second Chance Checking Accounts in New Hampshire

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.

If you keep the account in good standing for six months, you may become eligible to upgrade to another FSB checking account.

There is a $10 monthly service charge, which drops to $9 when you enroll in e-statements. The account has no minimum balance requirement and a $50 opening deposit.

It comes with an instant-issue Visa debit card (for a $2 monthly fee), online and mobile banking, direct deposit, and access to over 55,000 surcharge-free ATMs.

Franklin Savings Bank has branches in Franklin, Tilton, Boscawen, Bristol, Gilford, Merrimack, and Goffstown, New Hampshire.

The account comes with a debit card, online and mobile banking, and early direct deposit that can post your paycheck up to two days sooner.

Members also get free access to GreenPath Financial Wellness for budgeting and money management support.

Paper checks and overdraft protection are not included, which keeps you spending only what you have while you rebuild.

GFA serves both Massachusetts and New Hampshire, with New Hampshire branches in Keene, Peterborough, and Rindge.

It’s built for those who don’t pass EFunds screening and can’t open a traditional checking account. EFunds is a deposit-screening service similar to ChexSystems.

The account carries a $10 monthly service charge. After twelve months of positive activity and a positive balance, it automatically converts to the credit union’s Fee-Free Checking, dropping that monthly charge entirely.

MoneyStrong Checking includes the everyday essentials: direct deposit, free online and mobile banking, and mobile deposit. Members also get access to free one-on-one financial counseling through GreenPath.

Membership is open to anyone who lives, works, or studies in New Hampshire’s Hillsborough or Rockingham counties, and it takes just $5 to join. Jeanne D’Arc’s New Hampshire branch is in Nashua.

To be clear, this is not a dedicated second chance checking account. It’s a Bank On certified account, and MVSB doesn’t publish a ChexSystems policy, so approval isn’t guaranteed for everyone with past marks.

There’s a $10 minimum deposit to open and no monthly service charge. The account also waives the fees that often trip people up, including returned item, transfer account protection, inactivity, early closing, and escheatment fees.

MVSB has branches in Alton, Ashland, Center Harbor, Exeter, Gilford, Laconia, Melvin Village, Meredith, Moultonborough, North Conway, Plymouth, Portsmouth, Rochester, and Wolfeboro, New Hampshire.

It’s a Bank On certified account built around low fees and no overdraft, and the bank doesn’t publish a ChexSystems policy, so approval isn’t guaranteed for everyone with past marks.

There’s a $10 minimum deposit to open and no monthly service charge. It includes unlimited check writing, online and mobile banking, bill pay, eStatements, mobile deposit, and a debit card.

It has no overdraft coverage, so any item that would overdraw the account is returned rather than paid.

The Merrimack has branches in Concord, Contoocook, Bow, Henniker, Hooksett, Nashua, and Windham, New Hampshire.