Second Chance Checking Accounts in Utah

If your banking history includes unpaid fees, overdrafts, or negative marks, opening a checking account in Utah can be difficult. Many banks and credit unions use systems like ChexSystems to review applicants, which can lead to account denials.

Several Utah banks and credit unions offer second chance checking accounts to help you rebuild your banking record and regain access to essential financial tools.

9 Banks & Credit Unions Offering Second Chance Bank Accounts in Utah

Below is a list of second chance checking options in Utah for those working to recover from past banking challenges.

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 →

American United Federal Credit Union

American United Federal Credit Union
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American United Federal Credit Union offers Fresh Start Checking for individuals working to rebuild their banking history with ChexSystems.

The account includes free online and mobile banking with mobile deposit, free bill pay, eStatements, and an end-of-year reward dividend.

There’s a $20 opening fee and a $7 monthly service charge, which drops to $4 if you maintain a balance of $750 or more. Members also get access to over 30,000 surcharge-free ATMs.

Branch locations include Grantsville, Sandy, Salt Lake City, Sunnyside, and West Valley City.

Apply online →

Cyprus Credit Union

Cyprus Credit Union
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Cyprus Credit Union provides Fresh Start Checking to help those with a troubled banking record get back on track.

The account requires a $25 opening deposit and carries a $5 monthly fee. It comes with free online banking, bill pay, unlimited check writing, and a Visa debit card.

After 12 months of positive account history, you may qualify to upgrade to a standard checking account.

Membership is available to Salt Lake City residents, relatives of current members, employees of participating companies, or anyone in Utah who makes a $5 donation to the Community Recreation Association.

Branches are located in Centerville, Draper, Salt Lake City, and West Valley City.

Apply online →

Members First Credit Union

Members First Credit Union
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Members First Credit Union offers Fresh Start Checking for individuals with negative marks on their banking record.

The account has no minimum balance requirement and includes a free Visa debit card, online and mobile banking, bill pay, and direct deposit access. There is a low monthly maintenance fee.

Branches are located in Brigham City, Providence, and Tremonton. Membership is open to those who meet location or eligibility requirements.

Apply online →

WaFd Bank

WaFd Bank
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WaFd Bank provides the Fresh Start Account for those who have been denied a checking account in the past.

It requires a $25 opening deposit and has a $4 monthly fee. Features include online and mobile banking, person-to-person payments, and no overdraft fees.

After maintaining positive account history, you may upgrade to a standard account.

In Utah, WaFd Bank has locations in Draper, Layton, Logan, Murray, Price, and Salt Lake City.

Apply online →

Wasatch Peaks Credit Union

Wasatch Peaks Credit Union
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Wasatch Peaks Credit Union may offer checking accounts to those with past banking challenges, even though they are not labeled specifically as second chance accounts.

Features may include online and mobile banking, bill pay, a free debit card, and access to financial tools for budgeting and account management.

Some accounts have no monthly fees or minimum balance requirements. Approval depends on your individual situation, so speaking with a representative is recommended.

Branches are located in Morgan, Ogden, Plain City, Pleasant View, Roy, and West Haven. Membership is available to those who live, work, worship, or attend school in eligible areas.

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.