Second Chance Checking Accounts in North Carolina

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.

It gives you a real path back into everyday banking.

To open one, you will first need to establish membership with a Membership Savings account. The account carries a $9.95 monthly fee.

Acclaim Federal Credit Union serves Greensboro and Stoneville, North Carolina, and primarily serves employees and affiliates of a number of named local employers.

The account requires a $50 opening deposit and has a $15 monthly fee with no ongoing balance requirement.

It includes a Visa debit card, online and mobile banking, remote deposit, and access to over 30,000 CO‑OP ATMs nationwide.

Excite Credit Union has branch locations in Wilmington, North Carolina.

The account requires a $5 savings deposit to open and comes with a $10 monthly fee. It includes mobile banking, online banking, eStatements, and ATM access.

After maintaining the account in good standing for 12 months, you may be eligible to upgrade to a standard Free Checking account.

HealthShare Credit Union has branch locations in Burlington and Greensboro, North Carolina.

The account has a $10 monthly fee and no minimum balance requirement.

It includes a free Visa debit card, online banking, e-statements, and bill pay. There are no fees for check cashing or check writing.

Membership is open to anyone who lives, works, worships, or attends school in Wayne County. You can also qualify with a $5 donation to Your Community Foundation if you live elsewhere in North Carolina.

NCCFCU has branches in Goldsboro.

The account has a $10.95 monthly fee, which drops to $7.95 with direct deposit.

It comes with overdraft protection, a free Visa debit card, and no minimum balance requirement.

Membership is open to those who live, work, worship, or attend school in Cabarrus, Gaston, Iredell, Lincoln, Mecklenburg, Rowan, or Union Counties.

Skyla Credit Union has branches in Asheville, Belmont, Charlotte, Greensboro, Harrisburg, Huntersville, Kings Mountain, Matthews, Salisbury, and Spindale.

It gives you a second chance to rebuild your banking history while still keeping the most important features of a checking account, plus access to financial counseling to help you stay on track.

It takes a $50 initial deposit to open, with no minimum balance required after that. The account includes overdraft protection through savings or a line of credit, though Courtesy Pay is not available, along with Zelle and online banking.

It must be opened in person, and good standing means no more than $250 in unpaid closures over the past 12 months. After 12 months in good standing, you can apply to move up to a Regular Checking Account.

Welcome Federal Credit Union has branches in Durham, Greenville, Henderson, Morrisville, and Zebulon, North Carolina.

The account requires a $25 opening deposit and includes essential features like a debit card, online and mobile banking, and bill pay services.

The monthly fee is $11.95, but it’s reduced to $9.95 if you enroll in direct deposit. Paper statements are optional for an additional $3 per month, but e-statements are free.

After 12 months of maintaining the account in good standing, you may be eligible to upgrade to a standard checking account.

Woodforest National Bank operates over 80 branches in North Carolina, with locations in cities such as Charlotte, Fayetteville, Greensboro, Raleigh, and Wilmington.