Second Chance Checking Accounts in Oregon

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.

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.

If you have been denied a checking account because of past missteps, the credit union may be able to help you skip expensive check-cashing fees and get back to everyday banking.

Because the account is opened by contacting the credit union directly, the specific terms are set up with you at that time, so it is worth reaching out to confirm the current fees and requirements.

The credit union also offers free financial coaching to help you get back on solid ground.

Cutting Edge Federal Credit Union has an Oregon branch in Milwaukie.

As the credit union puts it, past financial problems shouldn’t be a reason to deny service.

It takes just $10 to open with no minimum balance. The monthly fee is $10, reduced to $5 if you set up direct deposit or keep an average daily balance of $100.

You get a Visa debit card with access to more than 30,000 surcharge-free ATMs, plus free online and mobile banking. There are no checks or overdraft coverage, which keeps spending within your balance while you rebuild.

Keep the account in good standing for 12 months and you can upgrade to a standard checking account. Forrit has branches in Hillsboro and Portland, Oregon.

It’s framed as a way to recover from past financial difficulty while working on your credit.

It takes a $50 deposit to open and has a $10 monthly account fee. The account includes a free Visa debit card with access to more than 50,000 surcharge-free ATMs, plus payroll direct deposit that can post your pay up to two days early.

Overdraft protection and check writing are not included, which keeps your spending tied to your balance while you rebuild.

Membership is open to people who live, work, worship, or attend school in Benton, Clackamas, Marion, Multnomah, Polk, Washington, or Yamhill county. Heritage Grove has a branch in Salem, Oregon.

Access Checking has no monthly service fee, no minimum balance requirement, and only requires $20 to open. It also gives members access to online banking, mobile banking, bill pay, and a Visa debit card.

After 12 months of keeping the account in good standing, members may be able to move from Access Checking to a standard checking account.

Membership is open to people who live or work in many Oregon counties served by OnPoint. Family members of eligible members may also qualify.

Branches are located in Bend, Eugene, Hillsboro, Portland, Redmond, Salem, and more.

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.

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.

It gives you the convenience of everyday banking while you get back to good financial standing.

The account has a small $25 service fee, reduced to $20 if you set up direct deposit.

It comes with a Visa debit card you can use at nearly 30,000 surcharge-free ATMs, though it does not include checks. United Trades also offers free financial coaching to help you manage your money and rebuild.

United Trades Federal Credit Union serves union members and their families, with a full-service location in the Portland, Oregon area.

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.

Because it’s a checkless, debit-card-only account, a purchase you can’t cover is simply declined rather than approved and hit with an overdraft fee, so there’s no risk of running up charges while you rebuild.

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

You get mobile and online banking, online bill pay, Zelle for sending and receiving money, and access to Wells Fargo’s large ATM and branch network.

With one of the biggest branch footprints in the country, Wells Fargo is a convenient option for in-person banking.

In Oregon, it has branches in Albany, Beaverton, Bend, Corvallis, Eugene, Medford, Portland, Salem, Tigard, and Wilsonville, among others.