Second Chance Checking Accounts in West 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, 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.

Stash offers a checking account with no ChexSystems review or credit check. This makes it accessible if you’ve 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.

Everything is managed through the Stash mobile app, which also includes investing and budgeting tools.

The account has no minimum balance requirement. The $6.99 monthly fee can be reduced by setting up direct deposit.

You’ll also get free mobile banking, online banking with bill pay, eStatements, and a cushion of two waived non-sufficient funds (NSF) fees to help you stabilize your finances.

City National Bank has branches in Beckley, Bridgeport, Charleston, Clarksburg, Flatwoods, Gassaway, Montgomery, Morgantown, Ripley, and Sutton, along with other locations across West Virginia.

The first step, StartFresh First Step, requires a $50 deposit and has a $9.95 monthly fee (or $6.95 with direct deposit). This option does not include check writing.

After 12 months of positive account management, you can apply for StartFresh Checking, which adds check writing with the same deposit and fees. After 18 months, you may qualify for a traditional account.

Clear Mountain Bank has locations in Bridgeport, Bruceton Mills, Kingwood, Morgantown, Reedsville, Rowlesburg, Sutton, and Terra Alta.

It’s built for anyone previously denied a checking account over a negative ChexSystems record, or who had an account closed due to overdrafts or unpaid balances elsewhere.

As the credit union puts it, life happens, and you should be able to get back on your feet with a real checking account.

There is no minimum deposit to open, and the account has a $12 monthly service charge with direct deposit required.

You get unlimited transactions with no per-item charge, a free Visa debit card, free digital banking with mobile check deposit, and access to more than 300,000 surcharge-free ATMs nationwide. You open the account at a branch.

Pioneer Appalachia has branches in Charleston, Huntington, Hurricane, Morgantown, and South Charleston, West Virginia.

The account requires a $100 opening deposit and carries a low $4.99 monthly fee. It includes a debit card, unlimited check writing, and no minimum balance requirement.

After 12 months of good account history, you can apply to upgrade to a Regular Checking account.

Membership is open to anyone who lives, works, worships, or attends school in Boone, Cabell, Kanawha, Lincoln, Putnam, or Wayne counties.

Branches are located in South Charleston and St. Albans.

The account requires a $25 opening deposit and a one-time $9 setup fee. There’s an $11.95 monthly maintenance fee, reduced to $9.95 with direct deposit enrollment.

If you prefer paper statements, there’s a $3 fee, which can be waived by switching to e-statements.

Woodforest National Bank has branches in Beckley, Elkins, Fairmont, Fayetteville, Hurricane, Logan, Martinsburg, Nitro, and Summersville.