Second Chance Checking Accounts in Virginia

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 has a low monthly fee, no minimum balance requirement, and includes a free ATM card or Visa check card.

You’ll also have access to direct deposit, payroll deduction, unlimited check writing, and free transactions at CVFCU ATMs.

Membership is open to those who live, work, worship, or attend school in Amherst, Appomattox, Bedford, or Campbell counties, as well as the City of Lynchburg and the Towns of Altavista and Bedford.

Joining requires a one-time $5 membership fee and a $5 deposit into a CVFCU savings account.

Branch locations are in Forest, Lynchburg, and Madison Heights.

The account requires a $35 minimum balance and has a monthly service fee. You’ll get unlimited check writing, and setting up direct deposit provides access to a Visa check card.

Chartway Credit Union has locations in Chesapeake, Norfolk, Suffolk, and Virginia Beach.

The account includes online and mobile banking, direct deposit, and a debit card with no minimum balance requirement.

Membership is available to those who meet residency, employment, or organizational eligibility requirements, and easy to establish with a $5 deposit into a savings account. You can apply online or in person.

Branches are located in Alexandria and Harrisonburg.

The account carries a $10 monthly fee and includes a Visa debit card, online banking, and mobile access. After maintaining positive account history for 12 months, you may qualify to upgrade to a standard checking account.

Membership is available to those working in the healthcare industry or at a hospital in Virginia, Washington D.C., or Maryland’s Montgomery and Prince George’s counties.

Branches are located in Alexandria, Fairfax, Falls Church, and Manassas.

The account provides access to a debit card, online and mobile banking, and direct deposit. Eligibility is reviewed on a case-by-case basis. You can apply in person or contact Member One to learn more about account terms.

Branch locations include Christiansburg, Daleville, Forest, Hardy, Lynchburg, Radford, Roanoke, Rocky Mount, Salem, and Vinton.

The account requires a $25 opening deposit and a one-time $9 setup fee. The monthly maintenance fee is $11.95 but drops to $9.95 with direct deposit enrollment.

Woodforest National Bank has branches in Chesapeake, Fredericksburg, Hampton, Harrisonburg, Lynchburg, Manassas, Richmond, Roanoke, Virginia Beach, Williamsburg, and many other locations throughout Virginia.