Second Chance Checking Accounts in Pennsylvania

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—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®—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 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.

The account has no minimum balance requirement, a $4.95 monthly fee, and includes a debit card and digital banking tools. After 12 months of good standing, you may qualify for a standard account upgrade.

Branches are located in Cranberry Township, McKeesport, Penn Hills, Pittsburgh, and Wexford.

The $9.95 monthly fee drops to $7.95 with direct deposit. Both accounts offer unlimited ATM access at Clearview machines and digital banking.

Fresh Start Pro also includes unlimited check writing. After 12 months, members may upgrade to standard checking.

Clearview has locations in Butler, McKeesport, Monroeville, Moon Township, Pittsburgh, and Wexford.

The account requires a $50 deposit to open, no minimum balance, and provides debit card access, mobile banking, and unlimited check writing.

After 18 months in good standing, you may qualify for an upgrade to idLOCK Checking.

JVB has branches in Burnham, Coudersport, Lewistown, Lillibridge, Liverpool, McAlisterville, Mifflintown, Millerstown, Port Allegany, and Port Royal.

The account includes a debit card, check writing, eStatements, and mobile and online banking. It has a $7 monthly fee.

After 12 months of responsible use and completing the BalanceTrack Program, members can upgrade to Regular Checking.

Penn East has branches in Clarks Summit, Factoryville, Scranton, and Tunkhannock.

The account has a $10 monthly fee, includes debit card access, online banking, and bill pay.

After 12 months of good standing and completing the CheckRight program, members may upgrade to Regular Checking.

Sun Federal has branches in Philadelphia, St. Davids, and West Lawn.

The account requires a $25 opening deposit and a $12 monthly fee. Members receive free credit counseling, a cash card for ATM use, and $8 in monthly ATM surcharge reimbursements.

After six months without NSF fees, members can upgrade to Advantages Checking.

Membership is available to employees and families in the utility or energy industries. UECU is based in Wyomissing.

The account includes a debit card, ATM access, and online banking tools. As long as there’s no history of fraud, you may qualify.

Membership is available to those who live, work, worship, volunteer, or attend school in Lycoming County. The branch is located in Williamsport.

The account requires a $25 opening deposit, a $9 setup fee, and an $11.95 monthly fee, reduced to $9.95 with direct deposit.

Paper statement fees of $3 can be avoided with e-statements. The account includes a debit card and online banking.

Woodforest operates in Beaver Falls, Bechtelsville, Butler, Carlisle, Chambersburg, Coal Township, Cranberry Township, Delmont, Dickson City, Duncansville, and other locations across Pennsylvania.