Second Chance Checking Accounts in Oregon

If you’ve been turned down for a checking account in Oregon, past issues like overdrafts or unpaid fees could be the reason. Many banks use screening tools like ChexSystems, which can make it harder to open an account if you’ve had previous problems.

Second chance checking accounts give you a way to reset your financial track record and get back to everyday banking.

9 Banks & Credit Unions Offering Second Chance Bank Accounts in Oregon

Here’s a list of banks and credit unions in Oregon offering second chance checking accounts for people looking to rebuild their banking history.

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—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.

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®—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 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.

Apply online →

Heritage Grove Federal Credit Union

Heritage Grove Federal Credit Union
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Heritage Grove FCU offers Fresh Start Checking to help members who’ve had past banking challenges reestablish their financial access.

The account requires a $50 opening deposit and has a $10 monthly fee.

You’ll get access to payroll direct deposit, with funds available up to two days early. Overdraft protection and check writing are not included.

Heritage Grove FCU has a branch in Salem, Oregon.

Apply online →

Point West Credit Union

Point West Credit Union
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Point West Credit Union provides Fresh Start Checking for individuals with a ChexSystems record, offering a pathway to rebuild financial stability.

The account requires no minimum balance and has a $10 monthly fee. Any unpaid debts listed in ChexSystems must be cleared before opening the account.

After demonstrating responsible account management, you may upgrade to a fee-free or interest-earning checking account.

Point West Credit Union is located in Portland.

Apply online →

Rivermark Community Credit Union

Rivermark Community Credit Union
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Rivermark Community Credit Union offers Access Checking, a second chance account designed for those working to rebuild their banking history.

The account has no overdraft fees and ensures you can only spend available funds. It requires just $25 to open, with no minimum balance and no monthly maintenance fees.

Access Checking includes mobile banking, online banking, and debit card access.

Rivermark has branches in Beaverton, Clackamas, Gresham, Happy Valley, Hillsboro, Newberg, Portland, Salem, and Tualatin.

Apply online →

WaFd Bank

WaFd Bank
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WaFd Bank offers Fresh Start Checking, designed for individuals previously denied a bank account.

You can open the account with $25, and the monthly fee is $4. The account includes mobile banking, online access, person-to-person payments, and no overdraft fees.

After maintaining a positive history, you may be eligible for an upgrade to a traditional checking account.

WaFd Bank has locations across Oregon, including Albany, Bend, Corvallis, Eugene, Grants Pass, Hillsboro, Klamath Falls, La Grande, Medford, and Portland.

Apply online →

Wells Fargo

Wells Fargo
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Wells Fargo provides Clear Access Banking, a second chance account for those rebuilding their financial history.

The account requires a $25 opening deposit and has a $5 monthly fee, waived for account holders aged 13 to 24. Features include mobile banking, online bill pay, and free access to over 13,000 Wells Fargo ATMs.

Branches are available in Albany, Beaverton, Bend, Corvallis, Eugene, Medford, Portland, Salem, Tigard, Wilsonville, and other Oregon locations.

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.