Second Chance Checking Accounts in South Carolina

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 60,000 fee-free ATMs, early direct deposit, and cash deposit options at more than 8,500 Walgreens locations.

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 $300, plus earn a competitive 3.80% 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.

You’ll need a one-time deposit of $25 to open the account. There’s no minimum balance requirement, but direct deposit is required, along with a $15 monthly service fee.

After keeping the account in good standing for a set period, you may qualify to switch to a standard checking account.

Caro Federal Credit Union has two branches in Columbia and one in Greenville.

The account comes with free online banking, bill pay, and a free Visa debit card. There’s no minimum balance requirement, but direct deposit is required. A $9.99 monthly fee applies.

This account also includes identity theft resolution services with credit file monitoring. Registration and activation are required to access these features.

Carolina Foothills Federal Credit Union has locations in Gaffney, Greenville, Mauldin, and Spartanburg.

There is a monthly service fee, but after keeping your account in good standing for 12 months, you can upgrade to a free checking account. You can also switch from an ATM card to a Visa debit card after six months.

Carolina Trust has branches in Conway, Johnsonville, Lake City, Little River, Myrtle Beach, and Surfside Beach.

This account has a monthly fee. You’ll need to contact a HopeSouth representative to learn more about the current requirements and costs.

After keeping your account positive for a set time, you may be able to move to their standard checking account, which has no minimum balance requirement or monthly fee.

HopeSouth has one branch in Abbeville.

There’s a $10.95 monthly service fee, which can be reduced to $7.95 with qualifying direct deposit.

The account includes overdraft protection, free online and mobile banking, a Visa debit card, and no minimum balance requirement.

Skyla Credit Union has a branch in Rock Hill, South Carolina.

You’ll need at least $100 to open the account and must maintain that balance to avoid a monthly fee.

This account includes an ATM card only, making it a simple option for getting back on track with your banking.

Upstate Federal Credit Union has branches in Anderson, Honea Path, Starr, and Williamston.

Direct deposit is required. After keeping your account positive for a set time, you can switch to a basic checking account. All deposits are federally insured up to $250,000.

Membership is open to those who live, work, worship, or attend school in Spartanburg County, or who have a family member that’s already a member.

Vital Federal Credit Union has one location in Spartanburg.

It requires a $25 opening deposit and a one-time $9 setup fee. There’s an $11.95 monthly maintenance fee, but this can drop to $9.95 if you enroll in direct deposit.

If you choose paper statements, there’s a $3 fee, but that can be waived by switching to e-statements.

Woodforest National Bank has branches in Charleston, Columbia, Florence, Greenville, Myrtle Beach, North Charleston, Rock Hill, Spartanburg, Summerville, and Sumter.