Second Chance Checking Accounts Wichita, KS

In Kansas, there are about 7.6% or 220,400 households who are unbanked or, in other words, do not have a bank account. The amount of unbanked households is according to the most recent data from the FDIC. Within the state, many cities have higher rates of unbanked Americans due to circumstances of income levels, accessibility, and more. In Witchita, KS, for example, there is about 12.5% or 46,800 people do not conduct their financial business with the help of a bank account.

Many of these households may have had bank accounts in the past and are now unable to qualify for a regular checking account due to poor money management, or unforeseen circumstances. When these issues occur, they are reported to ChexSystems, a very commonly used consumer reporting agency that financial institutions use to qualify their new applicants for bank accounts.

Even if you have had issues with opening a checking account, there are still second chance checking accounts out there that don’t use ChexSystems.

Top Second Chance Banks Wichita, KS, and Surrounding Areas

Our list of the top second chance banks in Kansas will save you time and energy when it comes to looking for a checking account that is right for you. Whether you live in Wichita, are looking for second chance banking in Kansas City, or prefer online-only banks, we got you covered with the list below of non-ChexSystems second chance banks, credit unions, and second chance checking accounts.

1. Radius Bank

 If you are looking for second chance checking account options, then the Essential Checking at Radius Bank will help you access an account and rebuild your record. There is a fee for the checking, but after 12 months of good behavior with your account, you may be eligible to upgrade to a free checking.

Essential Account Features:

  • It is easy to get started, go to their website, and apply online to see what account you may be eligible to enroll in.
  • The second chance account charges a $9 monthly fee.
  • Mobile check deposits are limited to $1,000 a day and $2,000 every 10 days.
  • There will be restrictions placed on your debit card, limiting you to $500 a day.
  • Use the mobile app or Radius Bank website to access your account any time or anywhere. Use the online features to pay bills, transfer money, view balances, and more.
  • With online account access, the financial dashboard will provide you tools to get on track with money management and help build habits for reaching your financial goals.

2. Chime

Access to the internet has a lot of advantages, and one of them is to be able to conduct standard banking transactions through an online-only platform. Chime is one of the non-ChexSystems banks that have no physical banks in Kansas, but this does not hinder the services they provide to their members. If you are looking for a second chance account that doesn’t use ChexSystems or requires a credit check, has all you need online, and anywhere you go, then look no further than the Chime Spending account.

List of Features and Fees of the Second Chance Checking Account:

  • No opening deposit required and no hidden or confusing monthly fees
  • Save money without thinking using round up transfers on each transaction.
  • Be in control of your debit card purchases and easy access to turn your card on or off with your mobile app.
  • Pay for things at the store without the use of your card with mobile pay.
  • Be eligible to receive free overdrafts with SpotMe.
  • Receive your direct deposits as soon as Chime is notified usually as early as 2 days
  • Access 38,000 free ATMs for withdrawals from your bank account


BBVA bank is one of the non-ChexSystems banks that has over 600 physical bank locations across the country but still well known for its online-only features. BBVA has no banks in Kansas, but that doesn’t have to stop you from banking with them. The Online Checking account will provide you all that you need to manage and keep track of your money as a second chance checking account. Keep in mind that while BBVA doesn’t use ChexSystems, they do use Early Warning Services (EWS) to check your credit.

List of Features and Fees of the Second Chance Checking Account:

  • Open a checking account for as little as $25
  • No monthly service charge and paper statement fee can be waived with enrollment in electronic statements.
  • Use free ATMs at 64,000 BBVA and AllPoint ATMs.
  • Free online banking, award-winning mobile banking, mobile deposit, and bill pay
  • Earn cash back rewards on everyday purchases with your debit card
  • Explore overdraft protection options for your bank account
  • Optionally enroll in BBVA ClearBenefits Program for $4 a month for identity theft services, cell phone protection, and more.

4. Credit Union of America

As long as you live in or around the Wichita, KS area, you can be eligible for membership and enroll in their checking accounts at the Credit Union of America. The Free Core account is a second chance account because they don’t use ChexSystems at their credit unions. There may still be a credit check, but as long as you have only had trouble with your checking account history, you should be eligible.

List of Features and Fees of the Second Chance Checking Account:

  • Easily access online and mobile banking features for free.
  • There is no minimum balance required or other monthly fees.
  • Write an unlimited amount of checks.
  • Be eligible to earn interest on your account balance as long as it is above $1,000
  • Earn discounts on loans by being enrolled in direct deposit
  • Earn debit card rewards when you make purchases

5. BankWest of Kansas

BankWest has banks in Kansas that you will need to visit with two forms of ID to apply without a ChexSystems record check. Prestige Prime is an excellent checking account with no fees. There is a $200 minimum opening deposit required, but you can access online services, write 40 free checks per month, and qualify for overdraft protection.

6. Central National Bank

With many banks in Kansas, Central National Bank provides a non-ChexSystems Opportunity account as a second chance checking account option while rebuilding your banking history. The bank account requires $30 to open, but there are no minimum balance requirements, unlimited check writing, and online services. The monthly fee is $7.99 with direct deposit or $9.99 without direct deposit.

7. KC Fairfax Federal Credit Union

You can find second chance checking accounts in Kansas City at one of their KC Fairfax Federal Credit Unions. They do not use ChexSystems to determine your eligibility for their checking accounts. With the bank account comes no fees, online account access, direct deposit, and more.

8. Citizens State Bank

If your looking for second chance non-ChexSystems banks in Kansas, Citizens State Bank offers many checking accounts to choose from, and they don’t use ChexSystems. The simplest checking account option from their list of accounts is the Convenience Checking. This second chance checking account has no monthly service charge; there is a $250 minimum deposit required to open, electronic statement option, and online banking.

9. Corporate America Family Credit Union

Corporate America Family Credit Union offers a second chance checking option called the Fresh Start Checking. The fresh start checking account comes with standard features such as online services, but you are required to pay a $10 monthly fee and keep a $100 minimum balance in your checking account. They also offer an educational service to help you become more successful with banking called “Get in Balance.”

10. United Consumer Credit Union

You can apply for a Second Chance Checking with United Consumer Credit Union. This checking account will help you rebuild your finances and credit. There is a $10 monthly maintenance fee and a $100 minimum opening deposit required. Features include unlimited check writing, free digital banking, debit card, and the option to switch to their free Classic Checking after 12 months of positive bank account management.

11. Well Fargo

Wells Fargo has banks in Kansas that provide an Opportunity Checking account for a second chance. You will be allowed to enroll in this second chance checking after you apply for a regular checking account and discover that you are not eligible. There is a $25 minimum opening deposit required and a $10 monthly fee. The fee can be waived if you use your debit card 10 or more times a month, enroll in qualifying direct deposit, or maintain a $1,500 minimum daily balance.