Second Chance Checking Accounts in Wisconsin

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 requires a $100 opening deposit and carries a $6.50 monthly fee. There are no ongoing minimum balance requirements.

You’ll get free online and mobile banking, telephone banking, unlimited check writing, and a free debit card.

Membership is open to anyone who lives or works in Kenosha, Milwaukee, Ozaukee, Racine, Washington, or Waukesha County.

Brewery Credit Union operates two branches in Milwaukee.

The account requires a $50 opening deposit and a one-time $10 setup fee. There’s a $10 monthly fee, but after 12 months of positive account history, you may qualify to upgrade to a standard account.

Features include online banking, bill pay, mobile banking, and free eStatements.

Crossbridge Community Bank has locations in Merrill and Tomahawk.

The account has no minimum balance requirement and a low $9.95 monthly fee.

You’ll get unlimited check writing, free eStatements, online and mobile banking, check images online, a free Mastercard debit card, and access to over 55,000 surcharge-free ATMs.

First American Bank has branches in Kenosha and Salem.

The account requires a $25 opening deposit and has no ongoing minimum balance. You’ll get a free Debit Mastercard with rewards, access to over 70,000 surcharge-free ATMs, and free online and mobile banking.

After 12 months of maintaining positive account history, you may be eligible to upgrade to Basic Checking.

Branches are located in Argyle, Beloit, Clinton, Darien, Delavan, Elkhorn, Janesville, Monroe, Walworth, and Williams Bay.

The account includes free overdraft protection, no ATM fees, no monthly service charges, and no minimum balance requirements.

You’ll also get a debit card, instant access to your funds, online and mobile banking, and the convenience of direct deposit.

Branches are located in Chippewa Falls, Dodgeville, Eau Claire, Fond du Lac, La Crosse, Milwaukee, Monroe, Platteville, Racine, and Sheboygan, with additional locations across Wisconsin.

The account has a $4 monthly fee, no minimum balance requirement, and no per-item charges. Debit card use is included, though check writing is not available.

Branches are located in Altoona, Amery, Baldwin, Barron, Chippewa Falls, Eau Claire, Ellsworth, Hudson, Menomonie, and New Richmond, with more locations across Wisconsin.