Second Chance Checking Accounts in North Dakota

Emily Hayes

Past banking issues can make it difficult to open a new checking account in North Dakota, especially when they show up in ChexSystems or a similar screening report. Overdrafts, unpaid fees, and closed accounts may cause some banks to see your application as higher risk.

Second chance checking accounts can help you rebuild your banking history while restoring access to basic financial services. These accounts are meant to give you a more realistic path back into everyday banking.

8 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.

You can also check banks that don’t use ChexSystems in North Dakota for another way to get approved for a new checking account.

SoFi

Our Top Pick
SoFi
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Features & Benefits

  • Earn up to $400 with qualifying direct deposit
  • No monthly fees or minimum balance requirements
  • Up to 3.30% 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 $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.

Apply online →

Current

Current
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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 lets you 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, 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.

Apply online →

Chime

Chime
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Features & Benefits

  • No ChexSystems checks or credit pull
  • Open an account with no minimum deposit
  • Access over 47,000 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®. 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.

Apply online →

Stash

Stash
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Features & Benefits

  • No hidden fees
  • Earn stock as you spend with Stock-Back® rewards
  • Get paid up to two days early with direct deposit
  • 55,000+ fee-free ATMs through Allpoint®

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.

Apply online →

Dakota West Credit Union

Dakota West Credit Union
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Dakota West Credit Union offers E-Checking, an account for people who’ve had account challenges in the past and need a way to move beyond them.

The credit union designed it to be low-maintenance and simple while you get back on track.

It’s a debit-card-only account with no paper checks, which keeps your spending tied to your available balance.

One thing to know going in: it asks for a $1,000 minimum balance, and a $10 monthly maintenance fee applies any time the balance drops below that during the month.

Every Dakota West checking account also includes free online and mobile banking, eStatements, bill pay, and the card controls app.

Dakota West serves western North Dakota, with branches in Bowman, Grenora, Mohall, New England, New Town, Turtle Lake, Washburn, and Watford City.

Apply online →

Starion Bank

Starion Bank
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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.

Apply online →

Walmart MoneyCard

Walmart MoneyCard
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If you live in North Dakota and can’t open a traditional checking account, the Walmart MoneyCard may be a useful no-ChexSystems alternative.

It’s a prepaid card, but it still offers many everyday money features, including direct deposit, debit card use, mobile management, and savings.

Direct deposits can arrive up to two days early, and eligible users may opt into up to $200 in overdraft protection. Savings balances earn 2.00% APY, and Walmart purchases can earn up to $75 per year in cash back.

The monthly fee is $5.94, but it’s waived when you receive $500 or more in qualifying deposits during the month. Since the card is offered nationwide, North Dakota residents can apply no matter where they live.

Apply online →

Wells Fargo

Wells Fargo
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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.

Apply online →

Second Chance Banks by State

Choose your state from the list below to find second chance checking accounts and see what options are available near you.

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