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 $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.

The account is designed to help people get a fresh start and move forward with a new checking relationship. It can be a good fit if past account issues have made it harder to qualify for a traditional account elsewhere.

Second Chance Checking gives customers a way to handle deposits, payments, debit card spending, and everyday money management while working toward better banking habits.

1st National Bank is based in Lebanon.

The account requires $50 to open and has a $5 monthly fee. It does not include checks or overdraft coverage, which can help reduce the risk of new account problems while you rebuild.

Adelphi Builder can help customers return to basic banking with a debit-focused account and a more predictable structure.

Adelphi Bank is based in Columbus.

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 $50 to open and has a $5 monthly fee. Buckeye State Bank lists it as a fit for customers with ChexSystems violations or those using an alternate ID.

Buckeye Boost Checking gives customers a way to open a new bank account while rebuilding a stronger account record over time.

Buckeye State Bank is based in Powell.

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 $25 to open and has a $5 monthly fee. It does not include checks, which can help keep the account simpler while members work toward better account habits.

Access Checking gives members a way to return to everyday banking even if they do not qualify for standard free checking.

CSE Federal Credit Union is based in Canton.

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 requires $25 to open and has a $5 monthly fee. It gives customers a practical way to rebuild or establish a banking relationship through a local bank.

First Fed Bank On Checking can help you return to everyday banking while keeping the account simple and affordable.

First Federal Community Bank is based in Dover.

The account requires $5 to open and has no monthly fee. It does not include checks, which can help keep the account simpler while you rebuild your checking record.

Fresh Start Checking gives customers a low-cost way to return to everyday banking after past account problems.

Genoa Banking Company is based in Genoa.

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.

The account requires $100 to open and has a $10 monthly fee. It is designed to help customers start fresh and turn over a clean slate with a new checking relationship.

Clean Slate Checking can be useful if a past ChexSystems record has made it harder to open a standard account elsewhere.

Liberty Savings Bank is based in Wilmington.

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 is designed for people with ChexSystems issues, as long as unpaid balances are $300 or less. It gives members a way to start over with a credit union account and rebuild a stronger banking record.

Second Chance Checking has no monthly fee. A $1.50 monthly debit card fee applies after the first 60 days.

Miami University Community Federal Credit Union is based in Oxford.

The account is designed to help members rebuild their financial future by keeping the account in good standing. It has no minimum opening deposit and no monthly fee.

Fresh Start Checking can be a helpful option if past banking problems have made it harder to open a regular checking account elsewhere.

Millstream Area Credit Union is based in Findlay.

The account requires $50 to open and has a $5 monthly fee. It’s Bank On certified and gives customers a simple checking option with predictable costs.

Direct Checking can be useful if past account issues have made it harder to qualify for a traditional checking account, or if you want a straightforward account for everyday banking.

Minster Bank is based in Minster.

The account requires $25 to open and has a $15 monthly fee. It is designed as a second-chance account for people who want to start over and succeed with a new checking relationship.

Liberty 10 Checking gives customers a way to manage deposits, payments, and debit card spending while rebuilding stronger account habits.

Peoples Bank is based in Marietta.

The account gives customers another path back into regular banking. It can help with deposits, payments, debit card spending, and everyday money management while rebuilding a better account record.

2nd Chance Checking may be a good fit if past banking issues have kept you from qualifying for a standard account elsewhere.

RiverHills Bank is based in Milford.

The account requires $10 to open and has a $5 monthly fee. It does not include checks, which can help keep the account easier to manage while you work on rebuilding.

2nd Chance Checking gives members a way to get back on their feet with a local credit union account. It can help with deposits, debit card spending, payments, and everyday money management.

Sharefax Credit Union is based in Cincinnati.

The account is processed through ChexSystems and is designed to help members rebuild with a more structured checking relationship.

Summit also requires the CheckRight course, which can help members build stronger money-management habits while working back toward regular checking.

Fresh Start Checking has a $5 monthly fee. If the account stays in good standing for 12 months, you may be able to move into another Summit checking account.

Summit Federal Credit Union is based in Akron.

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

Those features give members a way to return to everyday banking while working toward a stronger account history.

Find Stability Checking can be a good fit if past account problems have made it harder to qualify for a standard checking account elsewhere.

Universal 1 Credit Union has branches in Beavercreek, Chillicothe, Dayton, Huber Heights, Miamisburg, Sidney, Sugarcreek Township, and more.