Second Chance Checking Accounts in South Dakota

Andrew Collins

A past banking setback can make checking account approval harder in South Dakota. If your history includes unpaid fees, overdrafts, or other account issues, banks may review ChexSystems or similar reports before deciding whether to approve you.

Second chance checking accounts can give you a practical way to rebuild your banking record. Some South Dakota banks and credit unions offer these accounts so you can regain access to basic financial services and keep moving forward.

7 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.

You can also compare banks that don’t use ChexSystems in South Dakota for another option to consider when opening a new checking account.

SoFi

Our Top Pick
SoFi
Learn More

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
Learn More

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 lets you 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, with 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
Learn More

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®. It’s 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
Learn More

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 with no ChexSystems review or credit check. This makes it accessible if you’ve 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.

Everything is managed through the Stash mobile app, which also includes investing and budgeting tools.

Apply online →

First Interstate Bank

First Interstate Bank
Learn More

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 →

Walmart MoneyCard

Walmart MoneyCard
Learn More

South Dakota residents who are shut out of traditional banking may find the Walmart MoneyCard worth considering.

It does not use ChexSystems to approve applicants, so past banking problems do not have to prevent you from getting access to a prepaid spending account.

The card gives you many of the basics people expect from checking. You can receive direct deposits, use a debit card for purchases, manage the account through the mobile app, and set money aside in savings. Direct deposit can also help you get paid up to two days early.

After you opt in, the card may provide up to $200 in overdraft protection, which is not common among prepaid options.

Savings balances earn 2.00% APY, and eligible users may receive entries into monthly cash prize drawings. If you shop at Walmart often, you can also earn cash back: 3% on Walmart.com, 2% at Walmart fuel stations, and 1% in Walmart stores, up to $75 per year.

The card has a $5.94 monthly fee, but that fee is waived in any month when you receive at least $500 in qualifying deposits. Since it is available nationwide, anyone in South Dakota can apply from anywhere in the state.

Apply online →

Wells Fargo

Wells Fargo
Learn More

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.

Know of a second chance account we missed?

If you know of a bank or credit union that offers a second chance account, tell us. We'll verify it, and if it checks out, we'll add it to the list.

Did you open the account with a ChexSystems record? (optional)