10 Best Second Chance Checking Accounts in the U.S.

Banking

Banks and credit unions can check your banking history against the records maintained by ChexSystems, TeleCheck, and Early Warning Services. If you are listed in any of these databases, you may be turned down for a checking account.

These records are maintained for a period of five years. So, waiting for your entries to be cleared is not a practical option. You need a checking account, and you need it now.

Fortunately, there are banks and credit unions that offer second chance checking to customers with a poor banking history.

10 Best Second Chance Bank Accounts for 2024

Below is a list of our top recommended second chance checking accounts for people looking for a fresh start. These second chance checking accounts offer guaranteed approval and come with the lowest fees, and great features and benefits.

U.S. Bank

Our Top Pick

Features & Benefits

  • Up to $700 bonus
  • Minimum opening deposit of $25
  • Monthly service fee: $0 or $6.95
  • Over 40,000 surcharge-free MoneyPass ATMs

U.S. Bank is now inviting new customers to take advantage of a special online promotion:

  • Earn up to $700 when you open a new U.S. Bank Smartly® Checking account and a Standard Savings account, and complete qualifying activities.
  • Subject to certain terms and limitations. Offer valid through June 27, 2024. Member FDIC.
  • Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.

The checking account comes with a free debit card and the option to lock or unlock the card if it’s ever lost or stolen.

Plus, you’ll never have to worry about ATM transaction fees at U.S. Bank ATMs or surcharge fees at over 40,000 MoneyPass Network ATMs.

U.S. Bank uses ChexSystems, but it has a history of being more lenient with records than most banks.

As long as you don’t have a history of fraud, or you don’t owe any money to U.S. Bank, you may be able to open a checking account with them.

The minimum opening deposit for this account is just $25, and the monthly service fee is $6.95. However, you can avoid the monthly fee by maintaining a minimum balance of $1,500 or by having a minimum monthly direct deposit of $1,000.

2. SoFi

Our Second Pick
LetMeBank’s rating
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Features & Benefits

  • Sign-up bonus: Up to $300 with qualifying direct deposits
  • No monthly fee
  • Earn up to 4.60% APY on savings
  • Over 55,000 fee-free ATMs

The SoFi Checking and Savings account offers numerous advantages, such as no overdraft fees, no balance requirements, and no monthly fees.

Additionally, account holders have access to 55,000 ATMs with no fees through the Allpoint® Network. Those who set up direct deposits can earn an annual percentage yield (APY) of 4.60% on their savings and 0.50% on checking accounts.

Furthermore, with direct deposit, you can receive your paycheck up to 2 days early.

3. First Tech Federal Credit Union

Our Third Pick
LetMeBank’s rating
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Features & Benefits

  • Up to $300 sign-up bonus with direct deposit
  • No minimum balance requirements
  • Earn up to 5.00% APY
  • Over 30,000 fee-free ATMs


First Tech Federal Credit Union offers an attractive banking solution that goes beyond traditional constraints, providing members with a combination of high-yield interest and multiple financial incentives across its platforms.

With the First Tech Rewards Checking & Savings accounts, there are no minimum balance requirements and no monthly maintenance fees. Members can take advantage of a $300 bonus simply by establishing a qualifying payroll direct deposit of $1,000 or more per month for three consecutive months.

These accounts offer competitive interest rates, with the potential to earn up to 5.00% APY on both checking and savings accounts, depending on the balance—significantly higher than many conventional banks.

Additionally, First Tech offers extensive accessibility with over 30,000 CO-OP network ATMs nationwide for fee-free withdrawals.

The credit union also ensures enhanced financial security and flexibility with features like real-time fraud monitoring and free overdraft transfers, contributing to a comprehensive and secure banking experience.

4. Current

LetMeBank’s rating
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Features & Benefits

  • Build credit just by using your debit card
  • No minimum opening deposit
  • Fee-free overdraft up to $200 with Overdrive
  • 40,000 fee-free Allpoint ATMs in the U.S.
  • Get paid up to 2 days faster

Current is a financial technology company, not a bank. The company does not use ChexSystems or pull your credit report, and they have a lot to offer.

With Current, your everyday purchases can now shape your financial future. Simply by swiping your debit card, you can build credit. No loans or credit checks needed. There are also no monthly or annual fees for this service.

A Current mobile bank account includes fee-free overdraft protection of up to $200. Account holders also get access to over 40,000 fee-free Allpoint ATMs with your Current debit card, and there are no hidden fees.

You can also get paid up to two days early with direct deposit with a Current Premium account. Plus, Current offers up to 4.00% APY with Current Savings Pods.

5. Chime®

LetMeBank’s rating
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Features & Benefits

  • Over 14.5 million downloads
  • No credit check or ChexSystems
  • No minimum opening deposit
  • Over 60,000+ fee-free1 ATMs

With Chime®, bad banking history is not an issue. They offer an award-winning financial app, a debit card, and a credit builder Visa® credit card, all with no credit check.

The Chime Checking Account is free and has no monthly fees:

  • no monthly maintenance fees
  • no foreign transaction fees
  • no balance requirements

You can also start building your credit with the Secured Chime Credit Builder Visa® Credit Card7. It’s a secured credit card with no annual fees, no credit checks, and no interest charges.

Chime has over 60,0001 fee-free MoneyPass® and Visa® Plus Alliance ATMs. Plus, you can get your paycheck up to 2 days earlier with direct deposit2. You can also deposit cash for free at over 8,500 Walgreens.

6. GO2bank

LetMeBank’s rating
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Features & Benefits

  • No ChexSystems or credit check
  • 4.50% APY on savings
  • Over 19,000 fee-free ATMs
  • $5 monthly fee can be waived

GO2bank, a neobank provided by Green Dot, an established financial technology company. Customers can open a checking account with subaccounts called vaults, all without requiring a minimum balance.

Furthermore, GO2bank offers a competitive 4.50% APY on savings accounts for up to $5,000 in savings. Customers can easily access their funds at 90,000 retail locations for cash deposits and 19,000 fee-free ATMs.

In addition, customers can receive their pay up to 2 days early and government benefits up to 4 days early with direct deposit.

Customers can opt for overdraft protection of up to $200 with eligible direct deposits, providing them with peace of mind.

GO2bank also provides the GO2bank Secured Visa Credit Card, which can assist customers in building their credit over time through responsible use.

The monthly fee of $5 is waived when customers receive payroll or government benefits via direct deposit in the previous monthly statement period.

7. Chase

LetMeBank’s rating
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Features & Benefits

  • No credit check or ChexSystems
  • $100 bonus after 10 purchases in 60 days
  • Over 16,000+ fee-free ATMs
  • Over 4,700 branches nationwide
  • $4.95 monthly service fee

Chase offers a checking account called Chase Secure Banking. The checking account comes with a Chase debit card that gets you access to over 16,000 fee-free ATMs.

Some features of this checking account include free online bill pay, free money orders and cashier’s checks, no overdraft fees, and no minimum opening deposit. However, there is also a monthly service fee of $4.95.

When you open a Chase Secure Banking account and make 10 qualifying purchases within 60 days, you’ll get a $100 cash bonus.

Account approval is immediate, and the debit card typically arrives within days.

8. Walmart MoneyCard

LetMeBank’s rating
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Features & Benefits

  • No monthly fee with direct deposit of $500 or more
  • Earn cash back on Walmart purchases
  • Overdraft protection up to $200 with opt-in & eligible direct deposit
  • Earn 2.00% APY on savings

The Walmart MoneyCard serves as a compelling alternative to conventional checking accounts, designed as a prepaid debit solution.

One of its standout features is the cash back offering, where users can earn 3% for purchases made on Walmart.com, 2% when filling up at their fuel stations, and an additional 1% for in-store transactions. However, these cashback rewards have an annual limit, capped at $75.

Another notable advantage is its overdraft protection. By opting in and setting up direct deposits, users can benefit from up to $200 in overdraft coverage.

In terms of fund accessibility, the ASAP Direct Deposit feature is quite handy. It not only ensures that users get their salaries two days earlier, but also expedites the receipt of other benefits.

On the savings front, the card doesn’t disappoint. It offers an impressive 2.00% APY, encouraging cardholders to save more. Moreover, users have a chance to win monthly cash prizes, adding a fun twist to the savings experience.

In terms of costs, there’s a monthly fee of $5.94. However, Walmart understands the value of consistent transactions, so they’ll gladly waive this fee if the cardholder had direct deposits totaling $500 or more in the preceding month.

9. Woodforest National Bank

LetMeBank’s rating
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Features & Benefits

  • $25 minimum opening deposit plus $9 setup fee
  • Monthly service fee as low as $9.95 with direct deposit set up
  • No ATM fees at Woodforest ATMs
  • Flexible overdraft options

Woodforest National Bank offers a second chance bank account to members at over 700 branches in 17 states.

The minimum opening deposit is just $25, and you’ll also have to pay a one-time setup fee of $9.

It also comes with a monthly fee of $11.95. You can get it reduced to $9.95 by enrolling in direct deposit. Another small fee is a paper statement fee of $3 per month. It can be waived completely by signing up for e-statements.

10. Wells Fargo

LetMeBank’s rating
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Features & Benefits

  • Minimum opening deposit of $25
  • Online and mobile banking suite included
  • Use over 13,000 ATMs free of charge
  • Account alerts, 24/7 fraud monitoring, and zero liability protection for your debit card

If Wells Fargo declines you for a standard checking account, you may still qualify for their “Clear Access Banking” account.

This second chance checking account has a monthly fee of $5. The only way to avoid it is if the primary account owner is 13 – 24 years old.

There’s a minimum opening deposit of $25. You get access to online bill pay, mobile banking, and over 13,000 ATMs free of charge.

Second Chance Bank Accounts Near Me

Local banks and credit unions offering second chance checking accounts can be found in almost every state. However, if you live in a location without nearby second chance account options, don’t worry! You can still sign up for one through numerous nationwide and online banks listed above. Here is a list of second chance bank accounts by state.

Alabama

  • Alabama Credit Union: On-Track Checking
  • Avadian Credit Union: e-Checking
  • Azalea City Credit Union: Opportunity Draft
  • Family Security Credit Union: Give Me a Break Checking
  • Guardian Credit Union: Fresh Start Checking
  • United Bank: Gateway Checking
  • West Alabama Bank: Fresh Start Checking

Alaska

  • True North Federal Credit Union: True Options Checking

Arizona

  • Alhambra Credit Union: Basic Checking
  • Banner Federal Credit Union: Opportunity Checking
  • Copper State Credit Union: Try Again Checking
  • MariSol Federal Credit Union: Start Again Checking
  • Pima Federal Credit Union: Fresh Start Checking
  • Tucson Federal Credit Union: Second Chance Checking
  • Tucson Old Pueblo Credit Union: Mission Checking

Arkansas

  • Diamond Bank: Encore Checking
  • Focus Bank: Fresh Start Checking
  • Red River Credit Union: Fresh Start Checking
  • River Valley Community Federal Credit Union: Fresh Start Checking

California

  • Befit Financial Federal Credit Union: Fresh Start Checking
  • E-Central Credit Union: E-Builder Checking
  • Excite Credit Union: Fresh Start Checking
  • Foothill Credit Union: Rebound Checking
  • Los Angeles Federal Credit Union: Second Chance Checking
  • North County Credit Union: Fresh Start Checking
  • Premier America Credit Union: Fresh Start Checking
  • Priority One Credit Union: New Leaf Checking
  • Strata Credit Union: Fresh Start Checking
  • University Credit Union: Fresh Start Checking
  • Ventura County Credit Union: Second Chance Checking

Colorado

  • Liberty Savings Bank: Clean Slate Checking
  • NuVista Federal Credit Union: The Last Chance Checking

Connecticut

  • Eastern CT Savings Bank: Restart Checking
  • Finex Credit Union: Re-Start Checking
  • Hartford Federal Credit Union: 2nd Chance Checking

Delaware

  • WSFS Bank: Fresh Start Checking

District of Columbia

  • CommonWealth One Federal Credit Union: Second Chance Checking

Florida

  • Axiom Bank: Opportunity Checking
  • Central Credit Union of Florida: Fresh Start Checking
  • City County Employees Credit Union: Fresh Start Checking
  • Community First Credit Union: Fresh Start Checking
  • Compass Financial Federal Credit Union: Restart Checking
  • First American Bank: Fresh Start Checking
  • First Florida Credit Union: Smart Track Checking
  • Gold Coast Federal Credit Union: Fresh Start Checking
  • Gulf Winds Federal Credit Union: MyOpportunity Checking
  • JetStream Federal Credit Union: Second Chance Checking
  • McCoy Federal Credit Union: Fresh Start Checking
  • Members First Credit Union of Florida: Second Chance Checking
  • Okaloosa County Teachers Federal Credit Union: Fresh Start Checking
  • One South Bank: Opportunity Checking
  • Priority Credit Union: Restart Checking
  • San Antonio Citizens Federal Credit Union: Checking Rebuilder
  • SouthState Bank: Fresh Start Checking
  • South Florida Federal Credit Union: Aspire Checking

Georgia

  • Community Bank & Trust: Second Slice Checking
  • Georgia United Credit Union: Restart Checking
  • Georgia’s Own Credit Union: Resolution Checking
  • Health Center Credit Union: Fresh Start Checking
  • Peach State Federal Credit Union: Fresh Start Checking

Hawaii

  • Hawaii USA Federal Credit Union: MyChance Checking

Idaho

  • Latah Credit Union: Second Chance Checking

Illinois

  • Catholic & Community Credit Union: Rebound Checking
  • First American Bank: Fresh Start Checking
  • First Eagle Bank: Eagle Fresh Start Checking
  • Marquette Bank: ReStart Checking

Indiana

  • Centra Credit Union: Opportunity Checking
  • Diamond Valley Federal Credit Union: Fresh Start Checking
  • Heritage Federal Credit Union: 2nd Chance Checking
  • Horizon Bank: Fresh Start Checking
  • Interra Credit Union: Opportunity Checking
  • Liberty Federal Credit Union: Opportunity Checking
  • One Vision Federal Credit Union: Rising Star Checking
  • Regional Federal Credit Union: First Step Checking

Iowa

  • Collins Community Credit Union: Take2 Checking
  • Federation Bank: Fresh Start Checking
  • Greater Iowa Credit Union: Fresh Start Checking
  • North Iowa Community Credit Union: Fresh Start Debit

Kansas

  • Central National Bank: New Opportunity Checking
  • United Consumers Credit Union: Second Chance Checking

Kentucky

  • C-Plant Federal Credit Union: Second Chance Checking
  • The Cecilian Bank: Choice Opportunity Checking
  • First United Bank and Trust Company: Fresh Start Checking
  • FNB Bank: Start Again Checking
  • Hearthside Bank: Square One Checking
  • Liberty Federal Credit Union: Opportunity Checking
  • Park Community Credit Union: Fresh Start Checking

Louisiana

  • Neighbors Federal Credit Union: Basic Checking
  • Pelican State Credit Union: Horizon Checking
  • Southwest Louisiana Credit Union: Fresh Start Checking

Maine

  • Five County Credit Union: 2nd Chance Checking

Maryland

  • Central Credit Union of Maryland: Renew Checking
  • Market USA Federal Credit Union: Fresh Start Checking
  • Security Plus Federal Credit Union: Revive Checking

Massachusetts

  • Alden Credit Union: No Boundaries Checking
  • Athol Credit Union: Fresh Start Checking
  • Washington Savings Bank: Interest Rewards Checking

Michigan

  • Credit Union One: Basic Checking
  • Horizon Bank: Fresh Start Checking
  • Marshall Community Credit Union: Fresh Start Checking
  • Members First Credit Union: Fresh Start Checking
  • Michigan State University Federal Credit Union: Rebuild Checking

Minnesota

  • Minnesota Valley Federal Credit Union: Second Chance Checking

Mississippi

  • Citizens National Bank: Clean Slate Checking
  • Gulf Coast Community Credit Union: New Chance Checking
  • Hope Credit Union: Easy Checking
  • MUNA Federal Credit Union: Fresh Start Checking

Missouri

  • The Bank of Missouri: Select 2 Checking
  • Columbia Credit Union: Fresh Start Checking
  • Electro Savings Credit Union: Fresh Start Checking
  • First State Community Bank: New Opportunity Checking
  • Focus Bank: Fresh Start Checking
  • Health Care Family Credit Union: Fresh Start Checking
  • Montgomery Bank: Montgomery New Start Checking
  • St. Louis Community Credit Union: Second Chance Checking
  • Town & Country Bank: Opportunity Checking
  • United Consumers Credit Union: Second Chance Checking
  • United Credit Union: Restore Checking
  • Wood & Huston Bank: StartFresh Checking

Montana

  • Clearwater Credit Union: SmartSpend Checking
  • Valley Federal Credit Union: Opportunity Checking

Nebraska

  • Central National Bank: New Opportunity Checking

Nevada

  • Clark County Credit Union: CheckAgain Checking
  • WestStar Credit Union: Fresh Start Checking

New Hampshire

  • GFA Federal Credit Union: New Start Checking

New Jersey

  • Credit Union of New Jersey: Right Turn Checking
  • Jersey Shore Federal Credit Union: Fresh Start Checking
  • United Teletech Financial Federal Credit Union: Fresh Start Checking

New Mexico

  • Bank of Albuquerque: Opportunity Banking
  • Lea County State Bank: Opportunity Checking

New York

  • Alternatives Federal Credit Union: Fresh Start Checking
  • Centra Credit Union: Opportunity Checking
  • Financial Trust Federal Credit Union: 2nd Chance Checking
  • Fulton Savings Bank: New Opportunity Checking
  • Genesee Valley Federal Credit Union: Fresh Start Checking

North Carolina

  • Excite Credit Union: Fresh Start Checking
  • American Partners Federal Credit Union: EZ 4U Checking
  • Skyla Credit Union: Fresh Start Checking

North Dakota

  • N/A

Ohio

  • Buckeye State Credit Union: Second Chance Checking
  • Eaton Family Credit Union: 2nd Chance Checking
  • Hopewell Federal Credit Union: Rebound Checking
  • Kemba Federal Credit Union: Fresh Start Checking
  • Members Trust Federal Credit Union: Trust and Alternative Checking
  • Sun Federal Credit Union: Fresh Start Checking
  • Superior Credit Union: Fresh Start Checking

Oklahoma

  • Allegiance Credit Union: Second Chance Checking
  • Bank of Oklahoma: Opportunity Banking
  • Citizens Bank of Edmond: Fresh Start Checking
  • Oklahoma Educators Credit Union: Fresh Start Checking
  • TTCU Federal Credit Union: Fresh Start Checking
  • Weokie (Credit Union): Fresh Start Checking
  • Western Sun Federal Credit Union: Fresh Start Checking

Oregon

  • Point West Credit Union: Fresh Start Checking

Pennsylvania

  • Allegent Community Federal Credit Union: Fresh Start Checking
  • Utilities Employees Credit Union: Advantages Green Light Checking
  • West Branch Valley Federal Credit Union: Back on Track Checking

Rhode Island

  • Webster Bank: Opportunity Checking

South Carolina

  • Caro Smart Financial Solutions: Rebound Checking
  • Carolina Trust Federal Credit Union: Encore Checking
  • HopeSouth Credit Union: Fresh Start Checking
  • Peach State Federal Credit Union: Fresh Start Checking
  • Vital Federal Credit Union: Fresh Start Checking

South Dakota

  • N/A

Tennessee

  • First National Bank: Credit Builder
  • Greater Eastern Credit Union: Fresh Start Checking
  • Holston Methodist Federal Credit Union: Second Chance Checking
  • Hearthside Bank: Square One Checking

Texas

  • 4U Credit Union: Fresh Start Checking
  • Abilene Teachers Federal Credit Union: Restart Checking
  • Air Force Federal Credit Union: Rewards Checking
  • Allied Federal Credit Union: Fresh Start Checking
  • Associated Credit Union of Texas: 180 Checking
  • Bank of Texas: Opportunity Banking
  • Baptist Credit Union: Draft Builder Checking
  • Chocolate Bayou Credit Union: Clean Slate Checking
  • Diamond Bank: Encore Checking
  • First Service Credit Union: Fresh Start Checking
  • Kelly Community Federal Credit Union: Smart Choice Checking
  • Las Colinas Federal Credit Union: 2nd Chance Checking
  • MemberSource Credit Union: Select Checking
  • Members Trust of the Southwest: Second Chance Checking
  • Memorial Credit Union: New Path Checking
  • Neighborhood Credit Union: Fresh Start Checking
  • Peoples Bank: Second Chance Checking
  • Prestige Community Credit Union: Fresh Start Checking
  • Red River Credit Union: Fresh Start Checking
  • Rio Bank: Fresh Start Checking
  • Select Federal Credit Union: Fresh Start Checking
  • Southside Bank: Next Checking
  • Tarrant County’s Credit Union: Fresh Start Checking
  • United Heritage Credit Union: Choice Checking
  • Unity One Credit Union: Clean Start Checking
  • Velocity Credit Union: Access Checking

Utah

  • American United Federal Credit Union: FreshStart Checking
  • Cyprus Credit Union: Fresh Start Checking

Vermont

  • N/A

Virginia

  • Central Virginia Federal Credit Union: Fresh Start Checking
  • CommonWealth One Federal Credit Union: Second Chance Checking
  • Healthcare Systems Federal Credit Union: Renew Checking
  • Member One Federal Credit Union: Smart Choice Checking

Washington

  • MountainCrest Credit Union: Fresh Start Checking

West Virginia

  • Clear Mountain Bank: StartFresh Checking
  • West Virginia Federal Credit Union: Fresh Start Checking

Wisconsin

  • Brewery Credit Union: Fresh Start Checking
  • Educators Credit Union: Fresh Start Checking
  • First National Bank and Trust Company: Renew Checking
  • Marine Credit Union: Credit Builder Checking
  • Crossbridge Community Bank: Fresh Start Checking
  • WESTconsin Credit Union: Foundations Checking

Wyoming

  • WyHy Federal Credit Union: Second Chance Checking
  • WYO Central Federal Credit Union: 2nd Chance Checking

What are ChexSystems, TeleCheck, and Early Warning Services?

ChexSystemsTeleCheck, and EWS are consumer reporting agencies that monitor and report the banking history of hundreds of millions of consumers. Those who are flagged by these agencies have records in their databases. ChexSystems is the largest of the lot.

Banks run your name through one or more of these databases when you apply for a bank account. If they pull up a record, you probably will not be able to open an account.

A wide range of offenses can get you listed with a consumer reporting agency. Here are some examples:

  • Unpaid fees (likely the most common reason to be listed)
  • Excessive overdrafts
  • Abuse of your debit card
  • Non-sufficient funds losses
  • Various forms of check-related fraud
  • Failure to pay other fees or service charges
  • Sometimes the offense is simply listed as “Undisclosed”

Thinking back, you may be able to figure out exactly what got you listed. But often, the incident may have been so small that you have forgotten about it—or never even been aware of it in the first place.

What is a second chance checking account?

Second chance checking accounts (sometimes referred to as “fresh start checking” accounts) are offered by financial institutions willing to give customers a second chance to prove that they’re a reliable banking customer.

If you are listed in ChexSystems, you will be hard-pressed to find a bank or credit union willing to consider you. There are options available. However, only a minority of financial institutions are willing to ignore your negative checking history.

Over 9,000 banks and credit unions in the US screen applicants through ChexSystems. In all, that adds up to over 100,000 branches. It also accounts for 80% of banking institutions in the country.

If you pick a financial institution at random and try to open a new bank account there, you only have a 2 in 10 chance of success.

Additionally, being listed in TeleCheck or EWS can further decrease your chances, as some banks may run these checks even if they do not pull your ChexSystems report. To avoid the disappointment and frustration of repeated rejections, it is recommended to open a second chance bank account.

Why get a second chance checking account?

Banks that offer second chance checking accounts do so in full knowledge of your ChexSystems, TeleCheck, or EWS record.

Based on the information they see on your file, there is a possibility that you will still be denied. If, for example, you committed repeated counts of check fraud, most banks will not want to risk dealing with you.

In most cases, however, a second chance checking account offers guaranteed approval. These banks know that sometimes good customers can go through lapses in judgment. They are willing to take a risk on you, despite your past banking issues or bad credit.

Banks and credit unions that use ChexSystems may reject you for an unpaid overdraft fee or non-sufficient funds loss. However, second chance banks are willing to overlook these kinds of offenses and offer you a bank account.

In fact, approval rates for second chance checking accounts are very high, and most banks process customer applications very quickly. Features offered by these banks and credit unions are comparable to those of a regular bank account.

If you apply for a second chance checking account today, you could be banking again in no time. This is the simplest and fastest way you can start improving your banking history.

What should I look for in a second chance bank account?

The best second chance bank accounts come with features such as:

  • Low or no monthly fees
  • No minimum balance requirements
  • No overdraft fees
  • Free Visa or Mastercard debit card
  • A large fee-free ATM network
  • Online banking
  • Mobile banking

The goal is to find the perfect fit for your needs while paying the minimal amount of fees. If you sign up for an online checking account, you’ll want to find one that offers many locations where you can deposit cash.

Second Chance Checking vs. Non-ChexSystems Checking

Aren’t they basically the same?

Not quite. But, it really depends on how specific you want to get. They serve the same purpose, but technically a “second chance” checking account and a “non-ChexSystems” checking account are two different things.

  • When you apply for a non-ChexSystems checking account, your ChexSystems report is not screened.
  • When you apply for a second chance checking account, your report is usually still checked.
  • The other big difference is that second chance banking may come with some additional limitations or strings attached. The institution may require that you enroll in a course that teaches personal finance to open a checking account.

That being said, a lot of the time, the two terms are used interchangeably.

All in all, both of these types of bank accounts have a lot more in common than otherwise. This is the reason they tend to be grouped together, despite their differences.

Searching for a comprehensive list of the top banks without ChexSystems? Take a look at our in-depth non-ChexSystems banking guide.

See also: Credit Unions That Don’t Use ChexSystems

Conclusion

When you are declined a standard checking account because of ChexSystems, TeleCheck, or EWS, you may feel like the banking system has abandoned you.

But your situation is far from unique. Most customers with a negative banking history have committed minor infractions, often involving only a few dollars.

While it may not be as convenient, some banks recognize how absurd it is to decline reliable customers simply because of an insignificant incident in their past.

Why go another day without banking when you don’t have to? It’s time to open a second chance checking account and start building your banking history with a financial institution that recognizes your value as a customer!

Non-ChexSystems Banks by State

Looking for more information and additional options available in your area? Select your state from the list below to explore your options.

Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.

1. Out-of-network ATM withdrawal fees may apply with Chime except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

2. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. Chime generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

7. The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.