Opening a checking account isn’t always simple if your banking history shows unpaid fees, overdrafts, or account closures. Many banks in Texas rely on systems like ChexSystems to screen applicants, which can make it harder to get approved after financial mistakes.
Fortunately, several banks and credit unions across Texas offer second chance checking accounts to help you rebuild your banking record and regain access to everyday financial tools.
27 Banks & Credit Unions Offering Second Chance Bank Accounts in Texas
Below you’ll find second chance checking options in Texas for those who need a fresh start with their finances.
Current
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
Chime
Features & Benefits
- No ChexSystems checks or credit pull
- Open an account with no minimum deposit
- Access over 60,000 fee-free ATMs nationwide
- Optional secured credit card to help build credit
SoFi
Features & Benefits
- Earn up to $300 with qualifying direct deposit
- No monthly fees or minimum balance requirements
- Up to 3.80% APY on savings balances
- Access to 55,000+ fee-free ATMs
4U Credit Union
Fresh Start Checking from 4U Credit Union is designed for people who may not qualify for a traditional account.
Abilene Teachers Federal Credit Union
Abilene Teachers Federal Credit Union offers Restart Checking for individuals who have had trouble managing a checking account in the past.
Alliance Federal Credit Union
Alliance Federal Credit Union provides Revive Checking, designed for members who need help rebuilding their finances.
Associated Credit Union of Texas
Associated Credit Union of Texas helps members get back on track with their 180 Checking account.
Bank of Texas
Bank of Texas offers Opportunity Banking, a second chance account for individuals with a troubled banking history.
Baptist Credit Union
Baptist Credit Union offers Draft Builder Checking to help individuals with past banking issues reestablish their financial footing.
Beacon Federal Credit Union
Beacon Federal Credit Union offers Fresh Start Checking to help individuals rebuild their banking history.
Chocolate Bayou Community Federal Credit Union
Chocolate Bayou Community Federal Credit Union provides Clean Slate Checking for those looking to recover from past banking challenges.
First Service Credit Union
First Service Credit Union helps members rebuild their finances with Fresh Start Checking.
Kelly Community Federal Credit Union
Kelly Community Federal Credit Union offers Smart Choice Checking for individuals with a ChexSystems record or NSF history who need help rebuilding their banking standing.
Members Trust of the Southwest
Members Trust of the Southwest offers New Start Checking for those looking to rebuild their banking history.
Neighborhood Credit Union
Neighborhood Credit Union offers Fresh Start Checking for individuals with ChexSystems history or previous account closures.
Premier America Credit Union
Premier America Credit Union provides Fresh Start Checking to help those who have had banking challenges in the past.
Prestige Community Credit Union
Prestige Community Credit Union offers Fresh Start Checking for those working to rebuild their financial record.
Red River Credit Union
Red River Credit Union helps individuals recover from past banking challenges with Fresh Start Checking.
Rio Bank
Rio Bank offers Fresh Start Checking to help members reestablish their banking history.
Select Federal Credit Union
Select Federal Credit Union provides Fresh Start Checking for individuals with a troubled banking record.
SouthSide Bank
Southside Bank offers Next Checking as a second chance option for those with past banking issues.
Tarrant County’s Credit Union
Tarrant County Credit Union offers Fresh Start Checking for people with negative marks on their banking history.
Texas People Federal Credit Union
Texas People Federal Credit Union provides Opportunity Checking for individuals who have struggled to maintain a checking account.
United Heritage Credit Union
United Heritage Credit Union offers Choice Checking to help members rebuild their financial standing.
United Texas Credit Union
United Texas Credit Union provides Do-Over Checking for individuals with a ChexSystems history.
Unity One Credit Union
Unity One Credit Union helps individuals rebuild their banking history with Clean Start Checking.
Velocity Credit Union
Velocity Credit Union offers Access Checking for members working to recover from past banking challenges.
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.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming