Second Chance Checking Accounts in South Dakota

Getting approved for a checking account isn’t always easy—especially if your banking history shows unpaid fees, overdrafts, or other issues. Many banks in South Dakota use screening tools like ChexSystems, which can make it harder to open a new account after financial setbacks.

Thankfully, some banks and credit unions in South Dakota offer second chance checking options, giving you a way to rebuild your banking record and access essential financial services.

6 Banks and Credit Unions Offering Second Chance Bank Accounts in South Dakota

Below are the second chance accounts available across South Dakota that can help you get back to managing your money—even if your record isn’t perfect.

SoFi

Our Top Pick
SoFi
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Features & Benefits

  • Earn up to $400 with qualifying direct deposit
  • No monthly fees or minimum balance requirements
  • Up to 3.30% APY on savings balances
  • Access to 55,000+ fee-free ATMs

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.

Apply online →

Current

Current
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Features & Benefits

  • Build credit automatically with your debit card activity
  • No monthly fees or minimum deposit required
  • Over 40,000 Allpoint ATMs nationwide
  • Early direct deposit—get paid up to 2 days sooner

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.

Apply online →

Chime

Chime
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Features & Benefits

  • No ChexSystems checks or credit pull
  • Open an account with no minimum deposit
  • Access over 47,000 fee-free ATMs nationwide
  • Optional secured credit card to help build credit

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.

Apply online →

Stash

Stash
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Features & Benefits

  • No hidden fees
  • Earn stock as you spend with Stock-Back® rewards
  • Get paid up to two days early with direct deposit
  • 55,000+ fee-free ATMs through Allpoint®

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.

Apply online →

First Interstate Bank

First Interstate Bank
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First Interstate Bank offers Simple Banking, a BankOn-certified account designed for people working to rebuild their banking history.

This account does not allow checks and does not offer overdraft protection, which helps prevent unexpected fees. You’ll get a Mastercard® debit card, online and mobile banking, and free electronic statements.

The account has a $5 monthly service charge that cannot be waived.

First Interstate Bank has branches in Aberdeen, Brandon, Brookings, Mitchell, Rapid City, Sioux Falls, Spearfish, Sturgis, Watertown, Yankton, and other South Dakota cities.

Apply online →

Wells Fargo

Wells Fargo
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Wells Fargo offers Clear Access Banking, a second chance checking account for individuals who need help rebuilding their banking record.

The account has a $5 monthly fee, which is waived for account holders between 13 and 24 years old. You’ll need at least $25 to open the account.

Clear Access Banking includes mobile banking, online bill pay, and free use of more than 13,000 Wells Fargo ATMs nationwide.

Wells Fargo operates branches in Aberdeen, Brandon, Brookings, Mitchell, Pierre, Rapid City, Sioux Falls, Spearfish, Vermillion, Yankton, and other South Dakota locations.

Apply online →

Second Chance Banks by State

Choose your state from the list below to find second chance checking accounts and see what options are available near you.