List of Second Chance Checking Accounts by State

Did you know that approximately 8.4 million households in the United States are unbanked? The number comes from the most recent survey conducted by the FDIC in 2017. Being unbanked means that a family does not have a checking or a savings account, not utilizing standard banking products, and using other means to conduct daily financial transactions. There are many reasons why people are unbanked, and one of them is due to being unable to qualify for a standard checking account. With that being said, there are many second-chance options for those who have poor credit and banking history.

Second Chance Banking for Everyone

A second chance checking account works similarly to a standard account and allows you to utilize it as a place to store your money with a debit card to conduct transactions, and more. The difference is that most banks will allow you to bank with them even with a ChexSystems report and score as long as you have paid your banking debts and show no fraud on your record. And many banks allow you to upgrade to a standard account after you have financially managed your account well.

There are some checking accounts you can enroll in, no matter what state you live in. They allow you to manage your account online; anytime and anywhere. A few of these accounts are:

  1. The Online Checking with BBVA bank, perfect for those who don’t live near a physical BBVA branch. (Not available in Hawaii or Alaska)
  2. The Spending Account with Chime bank, an online-only bank with many features and no hidden fees
  3. A Bank Account with Varo Bank, also an online-only bank with no hidden fees, many features, and the ability to deposit cash at participating retailers

Second Chance Checking “Near Me”

While you most certainly can take advantage of an online checking account with no ChexSystems to manage your finances, there happens to be many options for second chance banking located right in your neighborhood. You can search for “second chance bank accounts near me” or “credit unions that don’t use ChexSystems near me” in your Google search engine. Rather than doing your research, we have put together a list of a few second chance options in all 50 states for banks that don’t use ChexSystems. Take a look at the list below!

Alabama Second Chance Banks

  • Alabama Credit Union: The On-Track Checking is for a second chance. There is an $8 monthly service fee required with a direct deposit; otherwise, $75 needs to be pledged into a savings account. Enjoy a free debit card, bill pay, and online banking.
  • Bancorp South: The Second Chance Checking account will help you get on track. Open an account with a $50 opening deposit and a monthly service fee of $10. Take advantage of online services, unlimited check writing, and more.
  • Community Bank & Trust: The Second Slice Checking account requires a $100 opening deposit with unlimited check writing, online banking, and a free debit card.
  • First National Bank: The Credit Builder account will allow you to get back to rebuilding your credit. Features include a free debit card, online banking with bill pay, credit counseling, and more.
  • Gulf Winds Credit Union: The MyOpportunity Checking has a free debit card, online banking with bill pay with a $25 opening deposit, and a monthly service fee of $10.95.

Alaska Second Chance Banks

  • True North Federal Credit Union: The True Options Checking account is a fresh start to financial stability. There is no minimum balance required, there is a $10 monthly service fee, and you can get a debit card if approved.

Arizona Second Chance Banks

  • Banner Federal Credit Union: The Opportunity Checking will give you a second chance. Many features of the account are the same as their standard but monitored closer with an opportunity to upgrade after 1 year of good banking history.
  • Canyon State Credit Union: You can qualify for a Try Again Checking account by completing the CheckRight course, a personal finance education program. Enjoy features such as online banking for a $10 monthly service fee.
  • MariSol Solutions Federal Credit Union: The Start Again Basic Checking account helps rebuild credit for a $10 monthly service fee. There are no minimum balances required, unlimited withdrawals, free debit card, and more.
  • Pima Federal Credit Union: The Fresh Start Checking account offers features and benefits for a $10 monthly service fee.
  • Tucson Old Pueblo Federal Credit Union: The Mission Checking account requires a $20 opening deposit and monthly service fee. Features include online banking, bill pay, free debit card with required direct deposit, and more.

Arkansas Second Chance Banks

  • Diamond Bank: The Encore Checking requires a $100 opening deposit and a $10 monthly service fee reduced to $8 with a monthly direct deposit. Features include online and mobile banking, bill pay, unlimited check writing, and a debit card.
  • Red River Credit Union: The Fresh Start Checking account features include education programs, online features to help with managing your account, free debit card, online banking with bill pay, and a $10 monthly service fee.
  • River Vally Community Federal Credit Union: The Fresh Start Checking features online banking, debit cards, and the ability to convert account after 12 months of good checking history. There is a $100 opening deposit with a $5 monthly service fee.
  • Unify Federal Credit Union: A Right Start Checking account offers free access to online banking, free overdraft protection from savings, and no monthly service fees. Open an account with $25.

California Second Chance Banks

  • American United Federal Credit Union: The Fresh Start Checking requires a monthly service fee with online banking, bill pay, yearly dividends, optional overdraft protection, and more.
  • E-Central Credit Union: The E-Builder Checking requires a $50 opening deposit, $10 monthly service fee, and a $200 pledge to a savings account. Overdraft protection from savings is available, and you can upgrade your account after 12 months of good history.
  • Foothill Credit Union: The Rebound Checking account requires a monthly service fee of $6 and a minimum balance requirement of $50. If not met, there will be a $10 fee per month. Enjoy online bill pay features, a free debit card, and more.
  • Strata Credit Union: The Fresh Start Checking account requires a $25 opening deposit and a $10 monthly service fee. Features include online banking with bill pay and a free debit card.
  • Los Angeles Federal Credit Union: After applying for one of their standard checking accounts and not qualifying, you can be eligible for a Second Chance Checking account. There is a $10 monthly service fee with direct deposit or a $15 monthly fee without. Features include unlimited check writing and online banking.
  • North County Credit Union: The Fresh Start Checking requires a $25 opening deposit, a $15 monthly service fee, and a $100 direct deposit. Features include online banking with bill pay, a free VISA debit card, and overdraft protection with courtesy pay.
  • Premier America Credit Union: The Fresh Start Checking requires a $25 opening deposit and a $13 monthly service fee, which can be reduced to $10 with a $200 monthly direct deposit. Features are online banking with bill pay, access to 30,000+ free ATMs, and more.
  • Priority One Credit Union: The New Leaf Checking offers a VISA debit card and online banking with bill pay for an opening deposit of $25. There is a $500 monthly direct deposit required and a $15 monthly service fee.
  • OneUnited Bank: The U2 E-Checking account requires a $50 opening deposit but no monthly service fees without. Utilize online banking features, mobile check deposit, and free ATM access at over 30,000 locations.

Colorado Second Chance Banks

  • Liberty Savings Bank: The Clean Slate Checking account allows you the option for a second chance if you don’t qualify for one of their regular checking accounts.
  • NuVista Federal Credit Union: The Last Chance Checking account comes with unlimited checking writing, online banking with bill pay, and online statements. There is a $100 opening deposit required and a $10 monthly service fee.
  • Unify Federal Credit Union: A Right Start Checking account offers free access to online banking, free overdraft protection from savings, and no monthly service fees. Open an account with $25.

Connecticut Second Chance Banks

  • Corporate America Family Credit Union: The Fresh Start Checking account comes with the “Get in Balance” course for better management of your checking accounts. There is a minimum balance of $100 required and a $10 monthly service fee.
  • Eastern CT Savings Bank: A Second Chance Banking option is the Restart Checking. Open the account with $25 and a low monthly service fee of $6.95. Features include unlimited check writing, online banking, bill pay, and four free ATM withdrawals per statement cycle.
  • Finex Credit Union: Finex is a second chance credit union offering a Re-Start Checking account. There is a monthly service fee of $15, and features include no minimum balance, unlimited check writing, and a free debit card.
  • Hartford Federal Credit Union: The 2nd Chance Checking is a non-ChexSystems account with no minimum balance, free online and mobile banking, and unlimited check writing. There is a $5 monthly service fee.
  • Tobacco Valley Teachers Federal Credit Union: The myChance Checking (Draft) account comes with a $10 monthly service fee and will be automatically upgraded to a free checking after 1 year.

Delaware Second Chance Banks

Second chance banking options in Delaware are hard to find, but you can take advantage of other banking options online. Review our list above under second chance banking for everyone to review accounts such as with Chime, BBVA, or Varo Bank.

Florida Second Chance Banks

  • Alabama Credit Union: The On-Track Checking is for a second chance. There is an $8 monthly service fee required with a direct deposit; otherwise, $75 needs to be pledged into a savings account. Enjoy a free debit card, bill pay, and online banking.
  • Axiom Bank: The Opportunity Checking provides unlimited check writing, online and mobile banking features, and bill pay
  • CenterState Bank: The Fresh Start Checking is available for a low monthly service fee of $12.95. Features include unlimited check writing, financial education, a free debit card, and online with mobile banking and bill pay.
  • Central Credit Union of Florida: The Fresh Start Checking has no opening deposit required with bill pay features, mobile banking, and more.
  • City County Employees Credit Union: The Fresh Start Checking has unlimited check writing, an ATM card, bill pay, and online banking. The monthly service fee is $9.95.
  • Community First Credit Union: The Fresh Start Checking comes with a VISA debit card, bill pay, online and mobile banking, and the opportunity to upgrade your account after 12 months. There is a $25 opening deposit and a $10 monthly service fee.
  • Compass Financial Federal Credit Union: The Restart Checking features offer bill pay, online banking, and no minimum balances. There is a monthly service fee.
  • First American Bank: A Fresh Start Checking features no minimum balances, unlimited check writing, free debit card, online and mobile banking. The monthly service fee is $9.95.
  • First Florida Credit Union: Open a Smart Track Checking with a $25 opening deposit and a $10 monthly service fee. Direct deposit is required, and features include a VISA debit card, online and mobile banking with bill pay, unlimited check writing, and 4 free ATM withdrawals per month.
  • Gold Coast Federal Credit Union: The Fresh Start Checking features no minimum balances, unlimited transactions, free debit card, bill pay, and upgrade to one of their regular checking accounts.
  • GulfWinds Credit Union: The Opportunity Checking has no minimum balance required but requires a $10.95 monthly service fee. Features include a free VISA debit card, online and mobile banking, bill pay, and a $25 opening deposit.
  • Jet Stream Federal Credit Union: The Second Chance Checking requires a $25 opening deposit and a $10 monthly service fee. Features are unlimited check writing, bill pay, online, and mobile banking. After 12 months of good standing, you may request to upgrade to a regular account.
  • Liberty Savings Bank: The Clean Slate Checking account allows you the option for a second chance if you don’t qualify for one of their regular checking accounts.
  • McCoy Federal Credit Union: The Fresh Start Checking features unlimited check writing, a VISA debit card, bill pay, and more.
  • Members First Credit Union of Florida: A Second Chance Checking account comes with a free debit card and no minimum balances. The monthly service fee is $12, apply at one of their physical, financial institutions.
  • Okaloosa County Teachers Federal Credit Union: The Second Chance Checking features a free debit card, online banking with bill pay, and mobile banking. There is a $25 opening deposit required and a $5 monthly service fee.
  • One South Bank: The Opportunity Checking is available with a $100 opening deposit and a $15 monthly service charge.
  • OneUnited Bank: The U2 E-Checking account requires a $50 opening deposit but no monthly service fees with a direct deposit. Utilize online banking features, mobile check deposit, and free ATM access at over 30,000 locations.
  • Priority Credit Union: The Restart Checking requires enrollment in direct deposit with a monthly service fee of $15.
  • San Antonio Citizens Federal Credit Union: The Checking Rebuilder has a $10 monthly service fee and a required opening deposit of $50.
  • South Florida Federal Credit Union: The Aspire Checking features online and mobile banking, a debit card, and the ability to upgrade to a standard checking within one year or sooner with completion of financial education. The monthly service fee of $10 can be waived with a direct deposit.
  • United Bank: The Gateway Checking features online banking with bill pay for a fee of $4.95 per month, mobile check deposit with the “United Bank Atmore” app, and more. The monthly service fee is $10.

Georgia Second Chance Banks

  • Community Bank & Trust: The Second Slice Checking account requires a $100 opening deposit with unlimited check writing, online banking, and a free debit card.
  • Georgia’s Own Credit Union: A Resolution Checking is available, contact a representative to learn more.
  • Excel Federal Credit Union: Talk with member services for Fresh Start Checking to learn more about monthly fees and qualifications. Features include bill pay, online banking, direct deposit, and more.
  • Georgia United Credit Union: A Restart Checking account is available with no monthly service fee or minimum deposits. After 12 months, you can upgrade to one of their standard checking accounts.
  • Health Center Credit Union: The Fresh Start Checking features no minimum balances and earns interest daily. The monthly service fee is $10.
  • Members United Credit Union: Another Chance Checking is available if you do not qualify for a standard checking account.
  • Peach State Federal Credit Union: The Fresh Start Checking features a debit card, upgrade to a standard checking after 12 months for a $9 monthly service fee.

Hawaii Second Chance Banks

Second chance banking options in Hawaii are hard to find, but you can take advantage of other banking options online. Review our list above under second chance banking for everyone to review accounts such as with Chime, BBVA, or Varo Bank.

Idaho Second Chance Banks

  • Latah Credit Union: The Second Chance Checking provides features that allow you to make unlimited monthly transactions, receive a free debit card, and upgrade to a standard account after 12 months with the completion of the BalanceTrack program. If an average daily balance of $100 is kept, the monthly service fee of $8 will be waived.

Illinois Second Chance Banks

  • Catholic & Community Credit Union: The Rebound Checking features no minimum account balance, debit card access at 28,000 ATMs, and a low monthly service fee.
  • First American Bank: A Fresh Start Checking features no minimum balances, unlimited check writing, free debit card, online and mobile banking. The monthly service fee is $9.95.
  • First National Bank and Trust Company: The Renew Checking features a debit card, online and mobile banking with bill pay, eligibility to upgrade to a standard account after 12 months, and a low monthly service fee.
  • Marquette Bank: The ReStart Checking features direct deposit, free money orders, and a free finance workshop. There is a $20 opening deposit and a $5 monthly service fee.
  • Prairieland Federal Credit Union: The NotYourNormalChecking is a free checking with no monthly service fees. Enjoy features such as direct deposit, bill pay, online banking, and more.

Indiana Second Chance Banks

  • Centra Credit Union: Opportunity Accounts include checking and savings accounts. The monthly service fee is $5 with a direct deposit and $8 without direct deposit. Features are a debit card, online banking, bill pay, unlimited check writing, and more.
  • Diamond Valley Federal Credit Union: A Fresh Start Checking has all the features of a regular free checking account but designed for those who need to rebuild credit. The opening fee is $25, with a monthly service fee of $10.
  • Evansville Teachers Federal Credit Union: The Opportunity Checking requires a monthly service fee of $7.50 with the opportunity the upgrade your account after 12 months. Other features include free online banking with bill pay, a debit rewards card, and more.
  • Heritage Federal Credit Union: A 2nd Chance Checking with a $10 monthly service fee.
  • Horizon Bank: The Fresh Start Checking features a $5 monthly service fee, online and mobile banking, bill pay, unlimited check writing, and more.
  • Regional Federal Credit Union: A First Step Checking account option to rebuild your finances, contact them to learn more.

Iowa Second Chance Banks

  • Collins Community Credit Union: Take2 Checking features $50 opening deposit, unlimited check writing, online and mobile banking with a $9.95 monthly service fee.
  • Federation Bank: The Fresh Start account features a $250 minimum deposit, a minimum balance of $250 to avoid a $2 fee per month, and a $6 monthly service charge.
  • Greater Iowa Credit Union: The Fresh Start account features no minimum balance requirements, bill pay, online and mobile banking, and a debit card. The monthly service fee is $5 plus tax.
  • North Iowa Community Credit Union: The Fresh Start Debit account features no minimum balance requirements with a free debit card. The monthly service fee is $8 plus tax.

Kansas Second Chance Banks

  • Central National Bank: The New Opportunity account features no minimum balance requirements, online and mobile banking, unlimited check writing, and a $30 opening deposit. The monthly service charge is $7.99 with a direct deposit and $9.99 without direct deposit.
  • United Consumers Credit Union: The Second Chance account features a $100 minimum balance to open, a $10 monthly service charge, unlimited check writing, a debit card, online banking, and the ability to upgrade your account after 12 months.

Kentucky Second Chance Banks

  • Central Bank: The Clean Start account requires a $10 opening deposit, an $8 monthly service charge with direct deposit ($10 without), a debit card, online banking with bill pay, and the ability to upgrade your account after 12 months.
  • Evansville Teachers Federal Credit Union: The Opportunity Checking requires a monthly service fee of $7.50 with the opportunity the upgrade your account after 12 months. Other features include free online banking with bill pay, a debit rewards card, and more.
  • First United Bank and Trust Company: The Fresh Start account requires a $60 opening deposit and a $14 monthly service charge. Otherwise, features include no minimum balance requirements, unlimited check writing, online and mobile banking with bill pay.
  • FNB Bank: The Start Again account features no minimum balance requirements, direct deposit, and more. There is a $110 opening deposit required and a $12 monthly service charge.
  • Heritage Federal Credit Union: A 2nd Chance Checking with a $10 monthly service fee.
  • Home Federal Bank: The Square One account has a low monthly service charge of $12.99 with a direct deposit. Features include online banking with bill pay, $60 opening deposit, and more.

Louisiana Second Chance Banks

  • Pelican State Credit Union: The Horizon Checking features a $25 opening deposit, $10 monthly service charge, the ability to upgrade your account after 6 months, online banking with bill pay, and a free debit card.
  • Southwest Louisiana Credit Union: The Fresh Start account features a $50 opening deposit, no minimum balance requirements, online and mobile banking with bill pay, a free debit card, and a $20 monthly service charge.

Maine Second Chance Banks

  • Five County Credit Union: The Second Chance account features no minimum balance requirements, online banking, bill pay for a fee, and a free debit card for an $8 monthly service charge.

Maryland Second Chance Banks

  • Central Credit Union of Maryland: The Renew account requires a direct deposit and a monthly service charge. After 12 months, you can upgrade to a standard account.
  • Clear Mountain Bank: The StartFresh Banking features a debit card, unlimited check writing, and online banking with bill pay. There is a $50 opening deposit required.
  • MarketUSA Federal Credit Union: The Fresh Start account requires no minimum balance or monthly service charges. Direct deposit is required to open an account; after 6 months, you can be eligible to upgrade to a standard account.
  • SecurityPlus Federal Credit Union: The Revive Checking features an opening deposit of $25, no monthly service charges with a direct deposit, a free debit card after 30 days, and online and mobile banking.

Massachusetts Second Chance Banks

  • Alden Credit Union: The NoBoundaries account requires a $10 opening deposit and a $7.50 monthly service charge. Features include online banking, bill pay, and more.
  • Athol Credit Union: The Fresh Start checking features a debit card, online and mobile banking, and no minimum balance requirements. There is a $25 opening deposit required and a fee of $7.95 per month with a qualifying direct deposit. You can upgrade your account after 12 months.
  • OneUnited Bank: The U2 E-Checking account requires a $50 opening deposit but no monthly service fees with a direct deposit. Utilize online banking features, mobile check deposit, and free ATM access at over 30,000 locations.
  • Washington Savings Bank: The Online Rewards Checking requires a $14.95 monthly fee and a $10 opening deposit. Features include no minimum balance requirements, debit card, online, and mobile banking.

Michigan Second Chance Banks

  • Credit Union One: A Basic Checking requires a $25 opening deposit and a $10 fee per month with a direct deposit. Features include online and mobile banking.
  • Horizon Bank: The Fresh Start Checking account features a $5 fee per month, online and mobile banking, bill pay, unlimited check writing, and more.
  • Marshall Community Credit Union: The Fresh Start Checking features no minimum balance requirements, online and mobile banking with bill pay, and a debit card. There is an $8 fee per month, which can be reduced with electronic statements and direct deposit.
  • Members First Credit Union: The Fresh Start Checking requires a $25 opening deposit.
  • Michigan State University Federal Credit Union: The Rebuild Checking features mobile banking, direct deposit, bill pay, and no minimum balance requirements. There is a $10 fee per month.

Minnesota Second Chance Banks

  • Minnesota Valley Federal Credit Union: The Second Chance Checking comes with a fee of $10 per month.
  • Westconsin Credit Union: The Foundation Checking features a debit card and no minimum balance requirements. There is a $4 fee per month.

Mississippi Second Chance Banks

  • Citizens National Bank: The Clean Slate Checking requires a $50 opening deposit and a fee of $9.95 per month.
  • Gulf Coast Community Federal Credit Union: The New Chance Checking features direct deposit, online banking, a debit card, and no minimum balance requirements. There is a $15 monthly fee and a $100 opening deposit.
  • Magnolia Federal Credit Union: The Opportunity Checking features a smaller monthly fee of $15 with direct deposit enrollment and a $20 opening deposit.
  • MUNU Federal Credit Union: The Fresh Start Checking features a debit card and a monthly fee of $10.50.

Missouri Second Chance Banks

  • Columbia Credit Union: The Fresh Start Checking features no minimum balance requirements, a debit card, online and mobile banking, and bill pay. The monthly fee is $15.
  • Electro Savings Credit Union: The Fresh Start Checking features no minimum balance requirements, online banking, bill pay, direct deposit, and free financial education resources. The monthly fee is $10.
  • First State Community Bank: The New Opportunity Checking requires $50 to open and a $7.95 monthly fee with direct deposit.
  • Health Care Family Credit Union: The Fresh Start Checking doesn’t require a minimum balance. The opening deposit is $50 with a direct deposit and a monthly fee of $20.
  • Montgomery Bank: The Montgomery New Start Checking features no monthly fee or minimum balances. There is a $20 opening deposit required, and features include a debit card, online banking, and direct deposit.
  • St. Louis Community Credit Union: The Second Chance Checking features checks, a debit card, and direct deposit.
  • Town & Country Bank: The Opportunity Checking requires a $6 monthly fee with direct deposit.
  • United Consumers Credit Union: The Second Chance account features a $100 minimum balance to open, a $10 monthly fee, a debit card, online banking, and the ability to upgrade your account after 12 months.
  • United Credit Union: The Restore Checking features a $10 monthly fee with online banking, a debit card, and bill pay.
  • Wood & Huston Bank: StartFresh Accounts include a $6.95 monthly fee with direct deposit, online banking, a debit card, bill pay, and much more.

Montana Second Chance Banks

  • Valley Credit Union: The Opportunity Checking features online services, bill pay, and a debit card. The opening deposit is $50, and there is a $5 monthly fee with direct deposit enrollment.

Nebraska Second Chance Banks

  • Central National Bank: The New Opportunity account features no minimum balance requirements, online and mobile banking, and a $30 opening deposit. The monthly fee is $7.99 with a direct deposit.

Nevada Second Chance Banks

  • Clark County Credit Union: The Check Again – 2nd Chance Checking features a free debit card and online services. There is a $12 monthly fee and a $50 opening deposit. You can upgrade your account with good standing.
  • WestStart Credit Union: The Fresh Start Checking gives you access to online services and a debit card. There are no requirements to open, and the monthly fee is $16.50.

New Hampshire Second Chance Banks

Second chance checking options in New Hampshire are hard to find, but you can take advantage of other banking options online. Review our list above under second chance banking for everyone to review accounts such as with Chime, BBVA, or Varo Bank.

New Jersey Second Chance Banks

  • Credit Union of New Jersey: The Right Turn Checking requires a $100 to open, a free debit card issued instantly, and a $10 monthly fee.
  • Jersey Shore Federal Credit Union: The Fresh Start Checking gives you access to online services with mobile deposit and a free debit card. To open $25 is required, and a monthly fee of $15.
  • United Teletech Financial Federal Credit Union: A Fresh Start Checking lets you start over with many online features, $25 to open, and a monthly fee of $10.

New Mexico Second Chance Banks

  • Bank of Albuquerque: With Opportunity banking at one of their financial institutions, you can take advantage of many products and services. These include overdraft fee refund, free ATMs, free debit card, online services, and more. The monthly fee is $5 with a direct deposit.
  • First American Credit Union: A Second Chance account will help you rebuild your credit. You can take advantage of online services, electronics statements, and more. There is $50 required to open and a $10 monthly fee.
  • Lea County State Bank: Enrol in an LCSB Second Chance Checking for online access. Open with $100 and meet minimum requirements to avoid the monthly fee.

New York Second Chance Banks

  • Alternatives Federal Credit Union: The Fresh Start Checking offers no monthly fee, free eBanking, and electronic statements.
  • Bank OZK: The Pathway Checking is a non-interest bearing account with a $50 minimum to open and a $10 monthly fee.
  • Centra Credit Union: Opportunity Accounts include checking and savings accounts. The monthly service fee is $5 with a direct deposit and $8 without direct deposit. Features are a debit card, online banking, bill pay, unlimited check writing, and more.
  • Financial Trust Federal Credit Union: Offers a 2nd Chance Checking account.
  • Fulton Savings Bank: The New Opportunity Checking offers a debit card for a $7.95 monthly fee with direct deposit.
  • Genesee Valley Federal Credit Union: The Fresh Start Checking can be upgraded after 6 months to a standard checking. There is a $6 monthly fee.
  • Webster Bank: The Opportunity Checking requires $50 to open with a monthly fee of $11.95 when enrolled in direct deposit. You also receive a free debit card and free eBanking.

North Carolina Second Chance Banks

  • American Partners Federal Credit Union: The EZ 4U ATM Only Checking is for those who cannot qualify for a standard checking account. It is a cheaper alternative to pre-paid debit cards.
  • Charlotte Metro Credit Union: The Fresh Start Checking offers a low monthly fee and a free debit card.
  • Excite Credit Union: The Fresh Start Checking requires $50 to open with a $10 monthly fee. You also get a free debit card and access to eBanking services.

North Dakota Second Chance Banks

Second chance checking options in North Dakota are hard to find, but you can take advantage of other banking options online. Review our list above under second chance banking for everyone to review accounts such as with Chime, BBVA, or Varo Bank.

Ohio Second Chance Banks

  • Buckeye State Credit Union: The Second Chance Checking offers eBanking and a free AMT card after 6 months. You will also need to pass a checking account management course and open with $40.
  • City National Bank: The Bounce Bank Checking requires a $6.99 monthly fee with direct deposit and online statements.
  • Eaton Family Credit Union, Inc.: The Second Chance Checking requires a $10 monthly fee with direct deposit and a free debit card.
  • Hopewell Federal Credit Union: The Rebound Checking requires an $8 monthly fee with the ability to upgrade your account after 12 months.
  • Kemba Federal Credit Union: The Fresh Start Checking offers access at over 5,500 shared financial institutions nationwide with an $8.95 monthly fee with direct deposit.
  • Members Trust Federal Credit Union: The Trust and Alternative Checking accounts are available. Contact the member service department to determine eligibility.
  • Superior Credit Union: The Fresh Start Checking requires a $5 monthly fee, debit card, and eBanking.

Oklahoma Second Chance Banks

  • Allegiance Credit Union: The Second Chance Checking offers a free debit card with an opening deposit of $25 and a monthly fee of $12.
  • Oklahoma Educators Credit Union: The Fresh Start Checking offers a free debit card with direct deposit and eBanking.
  • TTCU Federal Credit Union: The Fresh Start Checking offers a free debit card, eBanking and statements, fee ATM withdrawals, and more for a monthly fee of $10.

Oregon Second Chance Banks

  • Heritage Grove Federal Credit Union: The Fresh Start Checking offers the ability to upgrade your account after 1 year of good standing. You can open the account with $55 and pay a monthly fee of $10.
  • Point West Credit Union: The Fresh Start Checking has no minimum balance requirements for a monthly fee of $10.
  • Prairieland Federal Credit Union: The NotYourNormalChecking is a free checking with no monthly service fees. Enjoy features such as direct deposit, bill pay, online banking, and more.

Pennsylvania Second Chance Banks

  • Clarion Federal Credit Union: The Second Chance Share Draft offers a free debit card with 24/7 access to eBanking with direct deposit required.
  • CommonWealth One Federal Credit Union: After applying for one of their regular checking accounts and being denied, you can be eligible for a Solutions Checking. The monthly service fee is $10.
  • Corporate America Family Credit Union: The Fresh Start Checking account comes with the “Get in Balance” course for better management of your checking accounts. There is a minimum balance of $100 required and a $10 monthly service fee.

Rhode Island Second Chance Banks

Second chance options in Rhode Island are hard to find, but you can take advantage of other banking options online. Review our list above under second chance banking for everyone to review accounts such as with Chime, BBVA, or Varo Bank.

South Carolina Second Chance Banks

  • Carolina Trust Federal Credit Union: To be eligible for the Encore Checking, you are required to meet with a member service representative. A low monthly fee is determined, and after 6 months, you can receive a debit card.
  • HopeSouth Credit Union: The Fresh Start Checking offers second chance options with a monthly fee.
  • MarketUSA Federal Credit Union: The Fresh Start account requires no minimum balance or monthly service charges. A direct deposit is required to open an account; after 6 months, you can be eligible to upgrade to a standard account.

South Dakota Second Chance Banks

Second chance checking options in South Dakota are hard to find, but you can take advantage of other banking options online. Review our list above under second chance banking for everyone to review accounts such as with Chime, BBVA, or Varo Bank.

Tennessee Second Chance Banks

  • Greater Eastern Credit Union: The Fresh Start Checking offers eBanking and a debit card. The monthly fee is $10.
  • Holston Methodist Federal Credit Union: The Second Chance Checking provides the opportunity to upgrade your account after 6 months of positive banking. The minimum opening amount is $50, with a $10 monthly fee.
  • Select Seven Credit Union: The Second Chance Shardraft requires a $10 monthly fee, but after 12 months of positive banking, the cost is removed.

Texas Second Chance Banks

  • Abilene Teachers Federal Credit Union: The Restart Checking offers a free debit card with restricted transactions for a $5 monthly fee. You can upgrade your account after 12 months of positive financial management.
  • Allied Federal Credit Union: The Fresh Start Checking is available for a $10 monthly fee.
  • First Service Credit Union: The Fresh Start Checking provides a free debit card, no limit on transactions, and more for a low monthly fee of $9.
  • Houston Metropolitan Federal Credit Union: The Freedom-2nd Chance Checking requires a minimum balance of $250 and a $10 monthly fee if the minimum is not met. Enjoy eBanking and much more.
  • Kelly Community Federal Credit Union: The Smart Choice Checking requires an $8 monthly fee, but you can upgrade to a free account after 12 months.

Utah Second Chance Banks

  • American United Federal Credit Union: The Fresh Start Checking requires a monthly service fee with online banking, bill pay, yearly dividends, optional overdraft protection, and more.
  • Cyprus Credit Union: A Fresh Start Checking offers a debit card, home banking, financial counseling tools, and the ability to upgrade your account. There is $25 required to open with a monthly fee of $5.

Vermont Second Chance Banks

Second chance options in Vermont are hard to find, but you can take advantage of other banking options online. Review our list above under second chance banking for everyone to review accounts such as with Chime, BBVA, or Varo Bank.

Virginia and Washington D.C. Second Chance Banks

  • CommonWealth One Federal Credit Union: After applying for one of their regular checking accounts and being denied, you can be eligible for a Solutions Checking. The monthly service fee is $10.
  • Premier Bank: Premier offers two-second chance options, the Premier StartFresh First Step and the Premier StartFresh Checking. The monthly fees and features vary between the accounts, but both include free online banking with bill pay and a $50 opening deposit.
  • Central Virginia Federal Credit Union: The Fresh Start Checking comes with a low monthly fee, a debit card, two free ATM transactions per month, and more.
  • Member One Federal Credit Union: Open a Smart Choice Checking account at one of the physical, financial institution locations to learn more about your options.

Washington Second Chance Banks

  • MountainCrest Credit Union: The Fresh Start Checking offers many features, including eBanking, a free debit card, unlimited monthly transactions, and more. You need $25 to open, and there is a $10 monthly fee.

West Virginia Second Chance Banks

  • Clear Mountain Bank: The StartFresh Banking features a debit card, unlimited check writing, and online banking with bill pay. There is a $50 opening deposit required.
  • West Virginia Federal Credit Union: The Fresh Start Checking requires a $100 to open with a $4.99 monthly fee. You will receive a free debit card and the ability to upgrade your account after one year.

Wisconsin Second Chance Banks

  • Brewery Credit Union: The Fresh Start Checking requires a minimum of a $100 direct deposit with a monthly fee of $6.50. Receive a debit card and take advantage of online banking.
  • Dane County Credit Union: With Relationship Builder Accounts, you can access eBanking, a free debit card, and more. 20$ is required to open with a $9.95 monthly fee.
  • First National Bank and Trust Company: The Renew Checking features a debit card, online banking with bill pay, eligibility to upgrade to a standard account after 12 months, and a low monthly fee.
  • Tomahawk Community Bank: Enroll in a Fresh Start Checking with a $10 set up fee and a $50 opening deposit. There is a $10 monthly fee.
  • Westconsin Credit Union: The Foundation Checking features a debit card and no minimum balance requirements. There is a $4 monthly fee.

Wyoming Second Chance Banks

  • Greater Wyoming Federal Credit Union: A Freshstart Checking offer second chances. This account requires a higher opening deposit and monthly fee.
  • WyHy Federal Credit Union: The Second Chance Checking requires an opening balance of $25 with a $10 monthly fee with direct deposit.
  • Wyo Central Federal Credit Union: Apply for a 2nd Chance Checking, and it will come with a debit card.
  • Valley Federal Credit Union: The Opportunity Checking comes with online services and a debit card. You need to open one of their savings accounts for membership. There is also $50 required to begin with a $5 monthly fee with direct deposit.