Second Chance Checking Accounts in Ohio

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.

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.

Stash offers a checking account that does not require ChexSystems or a credit check. This makes it accessible if you have 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.

The account is managed through the Stash mobile app. The app also gives you tools for investing and budgeting.

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.

The account has a $10 monthly fee and includes online banking, mobile access, a Visa debit card, and shared branching nationwide. After 12 months of positive account management, you may upgrade to Free Checking.

BMI Federal operates branches in Columbus, Dublin, and Westerville.

The account requires a $40 opening deposit and completion of a checking management course. It includes a debit card, online banking, no minimum balance, and up to $1,000 in overdraft protection.

After six months with no overdrafts, you may qualify for an ATM card.

Branch locations include Akron, Alliance, Canton, Cleveland, and Hartville.

There’s no minimum balance required, and the account has an $8.95 monthly fee. It includes free online banking, a debit card, and requires direct deposit.

After 12 months of good account management, you may upgrade to standard checking.

Branches are located in Ashtabula, Austintown, Kirtland, Mayfield Heights, Mentor, and Willoughby.

There’s no minimum balance, and the monthly fee is $6.99 with direct deposit or $8.99 without.

You’ll get two NSF fee waivers, free online and mobile banking, bill pay, text banking, and mobile deposit.

City National has Ohio branches in Chesapeake, Ironton, Proctorville, and Worthington.

The account requires direct deposit and has a $10 monthly service fee. It includes a Mastercard debit card, access to surcharge-free MoneyPass ATMs, online banking, mobile access, and paper check privileges.

After 12 months of responsible use, members may be eligible to upgrade to Advantage Checking.

Eaton Family Credit Union has branches in Columbus, Dublin, and Westerville, Ohio.

The account carries an $8 monthly fee and does not include overdraft protection.

After 12 consecutive months in good standing, you may request to upgrade to a regular account.

Hopewell has locations in Heath, Newark, and Johnstown.

The account includes unlimited check writing, a debit card, no minimum balance, and a $10.95 monthly fee, reduced to $8.95 with $500 or more in direct deposits.

After meeting specific criteria, you may upgrade to Hassle Free Checking.

Kemba has branches in Clintonville, Gahanna, Grove City, Hamilton Quarter, Hilliard, Lewis Center, Pickerington, Powell, Reynoldsburg, Westerville, and Whitehall.

The account requires a $50 opening deposit and carries an $8 monthly fee with no ongoing balance requirement. Features include online banking, mobile access, bill pay, debit card services, and eStatements.

After 12 months of good standing, you may transition to a standard account.

Branches are located in Centerville, Cincinnati, Fairfield, Hamilton, Lebanon, Loveland, Mason, Middletown, Monroe, Springboro, and additional Ohio cities.

Both accounts include debit card access, online banking, and direct deposit. Account eligibility depends on your banking history, reviewed by their Member Service team.

The main office is located in Mason, Ohio.

The account carries a $10 monthly fee and includes online banking, mobile access, a debit card, and direct deposit.

After completing the Check Right program, avoiding excessive NSF fees, and maintaining a positive balance for 12 months, you may upgrade to Regular Checking with no monthly fee.

Sun Federal has branches in Maumee, Oregon, and Toledo.

The account includes a debit card, online banking, mobile access, and fee-free withdrawals at MoneyPass and Alliance One ATMs. It carries a $5 monthly fee with no minimum balance required.

Checks, courtesy pay, and ATM deposits are excluded. After 12 months of good standing, you may upgrade to standard checking.

Superior CU has locations in Defiance, Fostoria, Lima, St. Mary’s, Sylvania, Tiffin, Toledo, Troy, Van Wert, Wapakoneta, and additional Ohio cities.

The account includes check-writing, a free Visa debit card, and nationwide access to shared branches and ATMs. The monthly fee is $15.

Branches are located in Beavercreek, Chillicothe, Dayton, Huber Heights, Miamisburg, Sidney, Sugarcreek Township, and Vandalia.