Second Chance Checking Accounts in Texas

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, 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.

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.

The account is designed to help members reestablish access to everyday banking after problems with their banking history.

It gives you a way to manage deposits, payments, and debit card spending while working toward a stronger account record.

Second Chance Checking can be a good fit if you need a local credit union account and want to move away from prepaid cards, money orders, or check-cashing services.

1st University Credit Union is based in Waco.

The account requires a $25 opening deposit and has a $10 monthly fee, reduced to $7.50 with direct deposit.

It comes with unlimited check writing, e-statements, and a free initial ATM card, but no debit card access or overdraft protection.

After 12 months of good account history, you can switch to Free Checking.

Branches are located in Collinsville, Gainesville, Lake Kiowa, and Whitesboro.

The account is designed to help members return to everyday banking after past account issues. It gives you a way to handle deposits, payments, and debit card spending while building a better record with the credit union.

Second Chance Checking can be a strong option if ChexSystems has made it harder to open a regular checking account.

FivePoint Credit Union has branches in Beaumont, Conroe, Nederland, Port Arthur, Spring, and more.

The account has a $5 monthly service fee and includes many of the same features as a standard checking account.

After 12 months of positive account history, you can request to upgrade to an Everything Checking account.

To open Restart Checking, you’ll need to visit an Abilene Teachers Federal Credit Union lobby location.

This account is described as a second-chance account, giving members a way to return to regular banking after past account problems.

It can help you handle everyday money needs while working toward better account habits.

Access Advantage Checking may be useful if past banking history has made it harder to qualify for a standard checking account elsewhere.

Access Community Credit Union is based in Amarillo.

The account is built around giving members another chance without judgment. It can help you get back to everyday banking while rebuilding trust with a financial institution.

InSight Checking can be a practical option if past account problems have kept you from opening a regular checking account and you want a simpler way to move forward.

Alcon Employees Federal Credit Union is based in Fort Worth.

This account is designed for people who want to rebuild their financial footing after past setbacks.

It gives members access to a credit union checking relationship while they work toward more stable account management.

Revive Checking may be a good fit if you need a second-chance option and want to return to everyday banking with a Texas credit union.

Alliance Credit Union has branches in Amarillo, Big Spring, Boerne, Fort Worth, Lubbock, and San Antonio.

The account gives members a way to return to everyday banking after past financial setbacks. It can help with deposits, debit card spending, payments, and basic money management while you rebuild a stronger account history.

Reset Checking may be a good fit if you want a local credit union option instead of relying on prepaid cards, money orders, or check-cashing services.

AMOCO Federal Credit Union has branches in Galveston, Houston, League City, Texas City, and more.

The account requires a $25 opening deposit and has a $5 monthly fee. It comes with a free Visa debit card, online banking, mobile bill pay, and QuickSave to help grow your savings. Checks and overdraft protection are not included.

Bank of Texas has locations in Allen, Bellaire, Coppell, Dallas, Fort Worth, Grapevine, Houston, Hurst, Katy, McKinney, Plano, Richardson, Sherman, Spring, and Sugar Land.

The account includes standard features like a free debit card, online banking, and bill pay.

After building a positive account history, you may be eligible to upgrade to a different checking option.

To open Draft Builder Checking, you’ll need to visit a Baptist Credit Union branch in San Antonio.

You’ll need a $25 deposit to open the account. It includes a free debit card, electronic bill pay, and direct deposit.

Members also get coverage for up to five insufficient funds fees within six months and can complete the free “Debit in Focus” education program.

Branches are located in Baytown, Deer Park, La Porte, and Seabrook.

The account is designed to help members rebuild and restore their banking history. It gives you access to everyday banking tools while working toward a stronger relationship with the credit union.

Restart Checking also includes a path forward. After 12 months of positive account history, you may be able to move into another checking option.

Brazos Valley Schools Credit Union has branches in College Station, Houston, Katy, Sugar Land, and more.

The account has a $5 monthly fee and includes unlimited check writing, a debit card with cash-back rewards, and the ability to earn dividends when your balance reaches $50.

Online banking, mobile banking, bill pay, and direct deposit are also included.

Branch locations are available in Alvin and Pearland.

The account gives members a way to keep banking with a local credit union while working through past account issues. It can help you manage deposits, spending, and payments while rebuilding a better record.

Fresh Start Checking may be useful if a ChexSystems report has made it harder to qualify for a standard account.

Cy-Fair Federal Credit Union has branches in Cypress, Houston, and Prairie View.

The account gives members a way to return to regular banking after past account problems. It can help you handle deposits, debit card use, and everyday payments while working toward better account habits.

Fresh Start Checking can be a practical option if you need a local credit union account and want a clean place to start.

Doches Credit Union has branches in Center, Hemphill, and Nacogdoches.

The account is designed for people who need another chance to maintain a checking relationship. It has a $5 monthly fee and gives members access to everyday credit union banking while rebuilding.

Priority Checking may be a good fit if you have resolved past ChexSystems issues and want to move forward with a Texas credit union.

East Texas Professional Credit Union has branches in Longview, Marshall, Nacogdoches, Tyler, and more.

This account uses a no-frills, essentials-only setup. It is meant for people who have had overdrawing problems in the past and want a more manageable way to return to everyday banking.

Solution Banking has a $5 monthly fee, which is waived for customers under 23 or over 65. It can help you handle deposits, debit card spending, and basic money management while rebuilding a better account record.

Extraco Banks has branches in Belton, Bryan, College Station, Copperas Cove, Corpus Christi, Gatesville, Georgetown, and more.

The account gives members a way to keep access to basic checking services while working past earlier account issues. It can help with deposits, payments, debit card use, and everyday money management.

Alternate Checking may be a good fit if a ChexSystems record has made it harder to qualify for a standard account at another financial institution.

Fannin Federal Credit Union is based in Bonham.

The account is designed to help members get back on track with regular banking. It gives you a way to manage everyday deposits, payments, and spending while rebuilding a stronger account history.

New Beginnings Checking can be useful if past financial problems have made it harder to open or maintain a traditional checking account.

First Central Credit Union has branches in Brownwood, Hillsboro, and Waco.

The account has a $25 opening deposit and a $9 monthly fee. It comes with a free Visa debit card, instant Zelle transfers, and early access to direct deposits.

After six months of good account history, you may qualify to upgrade to Daily Cash Back Checking.

Branches can be found in Houston, Humble, Katy, Spring, Sugar Land, and The Woodlands.

The account gives members a way to rebuild their financial footing while keeping access to basic banking tools. It can help you manage deposits, debit card spending, payments, and daily money needs.

Fresh Start Spend Account may be a good option if past credit or banking issues have made it harder to qualify elsewhere.

FirstLight Federal Credit Union is based in El Paso.

The account is designed to help members move beyond past banking problems and start rebuilding with a local credit union. It gives you a way to get back to everyday banking while working toward better account habits.

Fresh Start Checking may be worth considering if previous account issues have kept you from qualifying for standard checking elsewhere.

Fort Worth City Credit Union is based in Fort Worth.

The account is designed for people who have had trouble with a checking account in the past or have blemished credit.

It gives members a way to return to everyday banking while working toward a stronger financial record.

Second Chance Checking has a $15 monthly fee and can help with deposits, debit card spending, payments, and daily money management.

GECU is based in El Paso.

The account is designed for people who may have past banking history with reporting agencies such as ChexSystems. It gives members a way to keep access to checking while rebuilding better account habits.

Essential Checking can be a useful option if a prior banking record has made it harder to qualify for standard checking elsewhere.

Greater Texas Federal Credit Union has branches in Austin, College Station, Edinburg, Houston, San Antonio, and more.

The account is intended to help members reestablish themselves after past checking problems. It gives you access to a credit union checking relationship while working toward a better account record.

Second Chance Share Draft Checking can help you handle deposits, payments, and spending without relying on prepaid cards or check-cashing services.

Harris County Federal Credit Union is based in Houston.

Anyone with less than $800 in unpaid ChexSystems records is eligible to open the account. It includes standard checking features and has an $8 monthly service fee.

After 12 months of positive account history—with no NSF charges, negative balances, delinquent loans, or legal issues—you can request to upgrade to a free checking account.

Certified financial counselors are available to help members improve their finances.

Kelly Community Federal Credit Union has two branches in Tyler, Texas.

The account is designed for people who want to manage their finances with more confidence after past banking problems. It requires $50 to open and has a $10 monthly fee.

Customer Care Checking can be a helpful option if you need a fresh start with a Texas bank and want to move away from prepaid cards, money orders, or check-cashing services.

Lone Star National Bank has branches in Alton, Brownsville, Edinburg, Harlingen, Hidalgo, McAllen, Mission, and more.

The account is designed for people who have had overdrafts, bounced checks, or closed accounts because of unpaid fees. Members Choice says those issues do not have to stop you from opening a checking account with the credit union.

Opportunity Checking gives members a way to return to everyday banking while rebuilding a better account record.

Members Choice Credit Union has branches in Houston, Katy, and Lake Jackson.

This account provides basic checking features, including a debit card and access to online banking. It’s designed for those who may not qualify for traditional checking due to past financial challenges.

Members Trust of the Southwest has branches in Houston and Stephenville, Texas.

The account is designed to help members get back into regular banking while rebuilding their financial footing. It can be useful if past credit or banking issues have made it difficult to qualify elsewhere.

Select Checking gives members a local credit union option for deposits, payments, debit card spending, and everyday money management.

MemberSource Credit Union has branches in Houston, Sugar Land, and The Woodlands.

The account gives members another opportunity to return to everyday banking.

It can help with deposits, debit card use, payments, and basic money management while you rebuild trust with a financial institution.

New Path Checking may be a good fit if past account issues have kept you from opening a standard checking account.

Memorial Credit Union is based in Houston.

The account is designed for people who need a new start with checking and want a path back to regular account access. It gives members a way to manage deposits, payments, and everyday spending while rebuilding.

Fresh Start Checking also includes a path forward. After 12 months, members may be able to move into a Kasasa checking account.

MTCU is based in Midland.

The account gives members a way to return to regular banking after past account issues.

It can help with deposits, debit card spending, payments, and daily money management while you work toward stronger account habits.

Fresh Start Checking may be a good fit if you want to rebuild with a Texas credit union instead of relying on prepaid cards, money orders, or check-cashing services.

My Community Credit Union has branches in Allen, Big Spring, Midland, and Odessa.

The account requires a $25 opening deposit and has a $20 monthly fee. You’ll get early direct deposit—up to two days early.

After six months of good standing and completion of the CheckRight workshop, you may upgrade to a different account.

Branches are located in Anna, Arlington, Coppell, Dallas, Duncanville, Grand Prairie, Highland Village, Lancaster, Mesquite, and Waxahachie.

Opening the account requires a $25 deposit, and there’s no ongoing minimum balance requirement.

For a $10 monthly fee, you get a free debit card, unlimited check writing, online banking, and $100 in Courtesy Pay, which becomes available 30 days after opening.

If past overdrafts or negative balances have made it hard to get back into traditional banking, 180 Checking is designed to help you rebuild your history and work toward a standard account.

The account requires $30 to open and has no monthly fee. That makes it one of the lower-cost second-chance bank options in Texas.

Second Chance Checking gives customers a way to reopen the door to regular banking after past account issues. It can help with deposits, payments, debit card spending, and everyday money management while you rebuild your banking history.

Peoples Bank is based in Paris.

The account requires $100 to open and has a $10 monthly fee. It gives customers a way to get back on track with a local bank while working toward better account habits.

Possibility Checking may be a good fit if past account problems have made it harder to qualify for a standard checking account elsewhere.

Pointbank has branches in Argyle, Aubrey, Corinth, Denton, Flower Mound, Lewisville, Little Elm, and more.

The account requires a $25 opening deposit and carries a $13 monthly fee, which lowers to $10 with $200 or more in direct deposits.

You’ll get access to mobile banking, remote deposit, and over 30,000 fee-free ATMs.

Premier America Credit Union has two locations in Houston.

The account has a $15 monthly fee, reduced to $10 with direct deposit. It comes with free bill pay, online banking, unlimited check writing, and free ATM withdrawals.

After six months of positive account history, you may upgrade to a standard checking account.

Branches are located in Dallas and McKinney.

There’s no minimum balance requirement, and the account has a $10 monthly fee. It includes a free Visa debit card, mobile banking, and online banking.

After 12 months of maintaining good standing, you can upgrade to other checking options.

Branch locations include Atlanta, Clarksville, Greenville, Marshall, New Boston, Paris, Sulphur Springs, Texarkana, and Wake Village.

The account requires a $100 opening deposit, an $11.56 monthly fee, and a $1.46 monthly debit card fee. Members also get access to more than 64,000 surcharge-free ATMs worldwide.

Branches are located in Brownsville, Edcouch, Edinburg, Elsa, Harlingen, McAllen, Palmview, Rio Grande City, Roma, and San Antonio.

The account requires a $25 deposit to open and has a $10 monthly fee. You must live, work, worship, or attend school in Eastside San Antonio to qualify for membership.

After 12 months of good account history, you can upgrade to a standard checking account.

Select Federal Credit Union operates two locations in San Antonio.

The account requires $1 to open and has a $10 monthly fee. It gives members access to a checking relationship while they work on rebuilding their account history.

Boost Checking can be useful if past banking issues have made it harder to qualify for a standard checking account elsewhere.

Shell Federal Credit Union has branches in Baytown, Deer Park, Houston, Pasadena, and more.

The account has a $50 opening deposit and a $9.95 monthly fee. You’ll get a debit card, mobile banking, online banking, bill pay, and customizable account alerts.

Maintaining positive account history may make you eligible to upgrade.

Southside Bank has branches in Arlington, Austin, Fort Worth, Grapevine, Irving, Longview, Lufkin, Tyler, Weatherford, and Whitehouse.

The account has no minimum deposit requirement and no monthly service fees. It comes with free online banking, bill pay, unlimited check writing, and a MasterCard debit card.

Members also have access to thousands of surcharge-free ATMs nationwide.

To qualify, you must live, work, worship, or attend school in Tarrant County. Branches are located in Fort Worth, Hurst, and Lake Worth.

The account requires a $100 security deposit and is debit-only. That structure gives members access to basic banking while limiting some of the risks that can come with traditional checking.

Secured Checking may be a good fit if you need a controlled way to rebuild your account history with a local credit union.

Telco Plus Credit Union has branches in Longview and Tyler.

The account requires a $100 opening deposit, a one-time setup fee, and a monthly service charge.

It typically includes debit card access, online banking, and direct deposit options. Additional eligibility requirements may apply.

Texas People Federal Credit Union has a location in Fort Worth. Membership is available to those who live, work, worship, or attend school in approved areas.

The account gives members another opportunity to open a checking relationship and move forward after past account problems. United Energy says it believes in fresh starts, and this account is built around that idea.

2nd Chance Checking can help members return to everyday banking while working toward better account habits.

United Energy Credit Union has branches in Houston and Humble.

The account requires a $20 opening deposit and carries a $10 monthly fee. It includes overdraft protection, free online and mobile banking, Web BillPay, and account transfers. Deposits are federally insured up to $250,000.

United Heritage Credit Union has locations in Austin, Cedar Park, Georgetown, Kyle, Lakeway, River Place, Round Rock, and Tyler.

The account requires a $50 deposit to open and has a $10 monthly fee with direct deposit. It comes with free bill pay, overdraft protection (up to six per month), mobile banking, e-statements, alerts, and access to thousands of ATMs.

After 12 months, you can upgrade to a free checking account.

Branches are located in Fort Worth, Keller, and North Richland Hills.

The account requires $25 to open and has a $9.95 monthly fee. It gives members a way to manage deposits, payments, and debit card spending while working toward a stronger financial record.

Second Chance Checking may be a good fit if past account issues have made it harder to qualify for standard checking elsewhere.

USE Credit Union has branches in Houston and Tomball.

There’s a one-time $10 fee to open the account and a $15 monthly service charge.

After 12 months of good account management, you may upgrade to Totally Free Checking or Check Plus, both of which have no monthly fees.

Velocity Credit Union has locations in Austin, Cedar Park, and Round Rock.

The account is designed as a second-chance checking option. It requires $25 to open and has a monthly fee ranging from $9.95 to $14.95.

Renew Personal Checking does not include checks or overdraft coverage, which can help reduce the risk of new overdraft problems.

This account gives customers a way to return to everyday banking while working toward a stronger account history.

VeraBank has branches in Athens, Austin, College Station, Georgetown, Henderson, Longview, Lufkin, and more.