Second Chance Checking Accounts in Tennessee

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.

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 47,000 fee-free ATMs, early direct deposit, and cash deposit options at more than 8,500 Walgreens locations.

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.

The account requires a $50 opening deposit and includes a $10 monthly service fee.

Membership is open to anyone who lives, works, worships, or attends school in Carter, Hawkins, Sullivan, Unicoi, or Washington County. You can also qualify if you’re part of H/Ead or have a family member who is already a member.

Branch locations include Johnson City, Jonesborough, Kingsport, and Rogersville.

The account comes with a $10 monthly service fee and no minimum balance requirement. You can write up to 20 checks per month, and the account includes free bill pay, cashier’s checks, money orders, and basic checks.

Members also have access to free online and mobile banking, the EZConnect ATM network, and a Visa check card with no debit card usage fees. Direct deposit and payroll deduction options are available.

Branches are located in Johnson City and Jonesborough.

The account requires a $50 opening deposit and a one-time $10 setup fee. The monthly fee is $12.99 with direct deposit or $19.99 without it.

Square One Checking includes free online banking with bill pay, free telephone banking, check images, and optional overdraft coverage.

Hearthside Bank operates branches in Harrogate, Jacksboro, Knoxville, and New Tazewell.

The account requires a $50 opening deposit and a $10 setup fee. The monthly fee is $12.99 with direct deposit or $19.99 without.

Features include free online and telephone banking, eStatements, and the option for overdraft protection.

Home Federal Bank has branches in Farragut, Gatlinburg, Knoxville, Maryville, Oak Ridge, Pigeon Forge, Powell, Sevierville, Seymour, and other Tennessee cities.

The account includes free online services and a choice between an ATM card or debit card.

After 12 months of positive account history, you may be eligible to upgrade to another checking option.

Liberty Federal has branches in Franklin, Murfreesboro, Nolensville, Spring Hill, and Thompson’s Station.

To open the account, you’ll need a $50 deposit, a Social Security number, and government-issued ID. You may also need to show proof that any previous bank debt has been paid.

The account carries a $12.95 monthly fee, which can be reduced with direct deposit or by completing at least 20 debit card transactions per month.

There’s no minimum balance requirement, and the account includes free online banking, bill pay, and unlimited check writing. You’ll also get free ATM access at Republic Bank, Presto, Sum, MoneyPass, and Allpoint ATMs.

Branches are located in Franklin, Murfreesboro, and Nashville.

The account comes with a $10 monthly service fee, which is waived after 12 months of positive account history. It includes a free Visa check card, and low-cost checks are available. Courtesy Pay is optional.

A $50 minimum deposit is required to open the account.

Select Seven Credit Union has locations in Johnson City and Kingsport.

The account requires a $50 opening deposit and includes a $7 monthly service fee. It comes with free online and mobile banking, bill pay, a free debit card, and access to more than 5,000 ATMs nationwide.

Overdraft protection is available, and after 12 months of maintaining a positive balance, you can upgrade to a standard checking account.

Staley Credit Union has one branch in Loudon.

The account includes a free debit card and carries an $8 monthly service fee. You’ll also need to make a $25 deposit into a savings account when opening the account.

TEN Credit Union has branches in Cookeville, Franklin, Gallatin, Goodlettsville, Johnson City, and Nashville.