Second Chance Checking with No Opening Deposit

With the SoFi Checking and Savings account, you get a wealth of advantages, such as no overdraft fees, no balance requirements, or monthly charges.

SoFi is currently offering an attractive sign-up bonus for a limited time. You can get up to $300 with qualifying direct deposits.

Account holders also benefit from complimentary access to 55,000 ATMs via the Allpoint® Network. Another benefit of direct deposits is you become eligible for up to 4.00% APY on savings and 0.50% APY on checking accounts.

Adding even more value for direct deposit users, you could receive your paychecks up to 2 days early. Furthermore, use your SoFi debit card at local businesses, and you could earn cash back of up to 15%.

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.

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.

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.

You can see why Chime is our #1 choice.

GO2bank is a neobank offered by Green Dot, a well-established financial technology company. Customers can open a checking account featuring subaccounts known as vaults without a minimum balance requirement.

GO2bank provides an attractive 4.50% APY on savings accounts for balances of up to $5,000. Access to funds is made easy through cash deposits at 90,000 retail locations and fee-free ATMs at 19,000 locations.

Additionally, customers can receive their pay up to 2 days in advance and government benefits up to 4 days early via direct deposit.

You can also opt for overdraft protection up to $200 with eligible direct deposits.

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

The $5 monthly fee is waived when you receive payroll or government benefits through direct deposit.

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

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.

If you qualify for membership to Navy Federal, you won’t have to worry about them using ChexSystems. To become a member, you need to be either on active duty or retired from the U.S. military.

There are two free checking accounts from Navy FCU, one of which is Active Duty Checking. There’s no monthly fee, but you’ll need to receive direct deposit from the military.

If you do, you’ll get access to those deposited funds one business day earlier than usual. You also get $20 a month in ATM free rebates.

The other free account from Navy FCU is called EveryDay Checking. It’s a basic account that doesn’t come with any direct deposit requirements.

Opening a Capital One 360 checking account comes with many benefits, one of them is the security it offers. With FDIC insurance and fraud coverage, you can bank with peace of mind.

Another great feature is the flexibility when it comes to overdraft options, you can choose one that works for you without having to worry about any fees.

Additionally, you can access your money up to 2 days sooner than payday with early paycheck. Another convenient option is the ability to add cash to your checking account at any CVS location.

A free checking account from Varo comes with a variety of perks, including a free debit card, and early access to your pay with direct deposit. You also have the option to add a high-yield savings account with automatic savings tools.

Varo also has no minimum opening balance and no monthly fee. Plus, you’ll have access to a network of over 55,000 Allpoint ATMs. This makes Varo a great choice for anyone looking for a checking account with no deposit required and no monthly fee.

Huntington’s Asterisk-Free Checking offers the best of both worlds – no cost to open and no monthly maintenance fee. However, you still get with access to features like a user-friendly mobile app and tools for improving financial well-being.

With direct deposit, you can even get paid up to two days early.

If you ever accidentally overdraw your checking account, the $50 Safety ZoneSM protects you from overdraft fees for amounts $50 or less. For larger overdrafts, 24-Hour Grace® allows you extra time to resolve the issue and avoid a fee.

With Huntington, you get the convenience of no-cost checking and the peace of mind of added financial protections.