Second Chance Checking Accounts in North Dakota

If past banking issues have prevented you from opening a new account in North Dakota, you’re not alone. Many banks rely on ChexSystems or similar services to review your banking history, making it hard to qualify if you’ve faced overdrafts, unpaid fees, or account closures.

Second chance checking accounts give you the opportunity to rebuild your financial standing and regain access to essential banking services.

5 Banks & Credit Unions Offering Second Chance Bank Accounts in North Dakota

Here are some banks and credit unions in North Dakota offering second chance accounts for those working to improve their banking history.

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.

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.

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.

Starion Bank

Starion Bank offers Fresh Start Checking, a second chance account for individuals working to rebuild their banking history.

The account has no monthly service fee if you enroll in eStatements, and there’s no minimum balance requirement.

It comes with an enhanced debit Mastercard®, 24/7 online and mobile banking, and fee-free ATM access through the MoneyPass® network.

Starion Bank has branch locations across North Dakota, including Bismarck, Bottineau, Dunseith, Ellendale, Fargo, Mandan, Oakes, and Rolla.

Wells Fargo

Wells Fargo provides Clear Access Banking for individuals working to rebuild their financial standing.

The account requires a $25 opening deposit and has a $5 monthly fee, which is waived for account holders aged 13 to 24.

It includes mobile banking, online bill pay, and free access to over 13,000 Wells Fargo ATMs nationwide.

Wells Fargo has branch locations in Bismarck, Dickinson, Fargo, Grand Forks, Jamestown, Mandan, Minot, Valley City, Wahpeton, and West Fargo.