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, 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 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 can be opened with a $1 minimum opening deposit. It has an $8 monthly service fee, which is waived for the first month. You also get 24/7 digital banking access, plus debit card and ATM access.

Some features are limited. Bill pay, Zelle, and external transfers are not available with Fresh Start Checking.

After 12 straight months of positive account management, you may be considered for other Capital Credit Union checking options.

Capital Credit Union has branches in Appleton, De Pere, Freedom, Green Bay, Greenville, Kaukauna, Kimberly, and more.

The account has no minimum balance requirement and does not earn interest. It includes a Bristol Morgan Bank debit card, no transaction limits, and access to the MoneyPass ATM network.

Essential Checking does not allow check writing. There is a $2 monthly charge for paper statements and a $5 monthly service charge if you do not have direct deposit or mobile deposits.

The account does not offer overdraft coverage, so transactions that exceed your available balance will be returned.

Bristol Morgan Bank serves Wisconsin customers through branches in Brandon, Fond du Lac, Oakfield, Oshkosh, and Van Dyne.

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 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.

This is a debit-card-only account with a $10.95 monthly fee. It includes free mobile banking and electronic services, along with access to Park City Credit Union and Alliance One ATMs and ITMs.

Park City’s comparison chart shows that its other main checking accounts require a qualified ChexSystems score, while Right Now Checking does not list that requirement. Checks are not allowed, and mobile deposit is not available with this account.

Park City Credit Union has branches in Merrill, Minocqua, Rhinelander, Tomahawk, and Wausau.

This account is mainly for people with a derogatory banking history. If your ChexSystems report shows an unpaid checking or savings account closure, Shoreline requires you to set up a repayment plan when you open the account. That plan must pay off the balance within one year.

FreshStart Checking has no minimum balance requirement, but you need enough money at opening to cover the first month’s $9.95 fee.

The account does not include check writing, and Overdraft Advance is not available. If the account becomes overdrawn, Shoreline says it may be closed.

Shoreline Hometown Credit Union serves members through branches in Green Bay, Manitowoc, and Two Rivers.

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.