Best Second Chance Checking Accounts

Last Updated: March 9, 2018 in Banking • 

Have you tried to open a bank account recently, only to be denied? Were you left wondering why? Well, did you know financial institutions look at your banking history when you submit an application to open an account? If you have been denied due to bad banking or credit history, a second chance checking account might be the perfect solution.

What Are Second Chance Checking Accounts?

Second-chance checking accounts are exactly what they sound like: another chance for you to use a checking account responsibly, even if a bank closed one of your accounts in the past because you mismanaged it. Considering how difficult it can be to pay bills without a checking account, these special accounts are a chance to make your life easier — and manage your money more responsibly — the second time around.

Second chance checking accounts can provide a fresh start for people with flawed banking histories. Mistakes — such as a closed bank account due to unpaid overdraft fees — can put you on a consumer list such as ChexSystems, TeleCheck, or EWS which makes banks less likely to approve you.

The good news is that some banks and credit unions offer so-called “second chance” checking accounts that do exactly that: give people another shot at traditional banking. These accounts don’t have all the services that come with regular checking accounts, but they can help people rebuild their banking histories.

What’s The Difference Between Second Chance Checking And Regular Checking?

With second-chance checking accounts you’ll probably have to pay a monthly fee of $10 to $15 (or even more). You may also be subject to account minimums that require you to maintain a certain minimum balance. Otherwise, there’s not much of a difference between the two.

If you manage your money responsibly for a certain period of time, you may become eligible for a regular checking account, much like graduating from a secured credit card to an unsecured card.

Our Top Picks For Second Chance Checking Accounts

Residents of AL, AZ, CA, CO, FL, NM, TX

BBVA Compass Easy Checking Account

BBVA Compass is committed to giving customers a second chance, but it doesn’t offer “special” accounts for this purpose. BBVA offers checking accounts to all applicants regardless of ChexSystems problems, but if for some reason your application is denied they will offer their Easy Checking account which is a traditional second chance checking account.

  • $13.95 monthly service charge
  • Open with $25
  • No ATM fees at BBVA Compass ATMs
  • Complimentary Online Banking and Mobile Banking, with Mobile Deposit® and Bill Pay
  • One Complimentary Visa® Debit Card
  • Unlimited check writing

Residents of AL, FL, GA, IL, IN, KY, LA, MD, MS, NY, NC, OH, PA, SC, TX, VA, WV

Woodforest National Bank Second Chance Checking Account

Woodforest National Bank offers a second chance checking account and here are the details:

  • $25 minimum deposit to open
  • $9 one-time setup fee
  • $11.95 monthly maintenance fee ($9.95 with direct deposit)
  • Free Woodforest ATM withdrawals ($2.50 for out-of-network ATMs)

First National Bank & Trust Company Renew Checking Account

First National Bank and Trust Company offers a Renew Checking account “for those with a less-than-perfect checking past.”

  • $25 minimum deposit to open
  • $15 one-time setup fee
  • $9.95 monthly service fee ($7.95 with direct deposit)
  • Eligible to upgrade account after 12 months in good standing

Wells Fargo Opportunity Checking & Savings Account

Wells Fargo’s Opportunity Checking and Savings Account “is specially designed for customers who have been unable to open a checking account due to their prior credit or banking history.” Does this sound like what you need? If you have a Wells Fargo branch nearby, this option might be good for you.

  • $50 minimum deposit to open
  • Free bill pay
  • Free debit card with access to 12,500 Wells Fargo ATMs in the country
  • $10 monthly service fee, waived if any of the following are true:
    • You make 10 debit card purchases or payments
    • You keep a minimum daily balance of $1,500 in the account
    • You receive $500 total in direct deposits each statement cycle

List of Banks That Offer Second Chance Checking Accounts

We have done the hard work for you and put together a comprehensive list of banks and credit unions that offer second chance checking accounts, broken down by state. Please keep in mind that the information included here is subject to change – second chance banking policies are modified from time to time – so it is best to call the specific bank or credit union to find out.

Alabama Second Chance Checking Accounts

BankVerification CheckAccounts OfferedPhone Number
Centennial BankChexSystemsSecond chance checking1-888-372-9788
Woodforest National BankChexSystems, TeleCheckSecond chance checking1-877-968-7962
Family Security Credit UnionChexSystemsSecond chance checking1-800-239-5515
Mutual Savings Credit UnionChexSystemsSecond chance checking1-800-950-6728
Four Seasons Credit UnionChexSystemsSecond chance checking1-800-715-2122

Alaska Second Chance Checking Accounts

BankVerification CheckAccounts OfferedPhone Number
True North Federal Credit UnionChexSystems, credit reportSecond chance checking1-907-523-4700

Arizona Second Chance Checking Accounts

InstitutionVerification CheckAccounts OfferedPhone Number
Canyon State Credit UnionChexSystemsSecond chance checking1-800-224-3330
Bank of ArizonaChexSystemsSecond chance checking1-866-492-1339
Tuscon Old Pueblo Credit UnionChexSystemsSecond chance checking1-800-440-8328
Tuscon Federal Credit UnionChexSystemsSecond chance checking1-800-303-TFCU
Hughes Federal Credit UnionChexSystemsSecond chance checking1-800-253-8245
TruWest Credit UnionChexSystems, credit reportSecond chance checking1-855-878-9378
Bank of the WestChexSystemsSecond chance checking1-800-488-2265

Arkansas Second Chance Checking Accounts

InstitutionVerification CheckAccounts OfferedPhone Number
Centennial BankChexSystemsSecond chance checking1-888-372-9788
Bank of ArkansasChexSystemsSecond chance checking1-800-888-4579
Hope Credit UnionChexSystemsSecond chance checking1-866-321-4673
Diamond BankChexSystemsSecond chance checking1-877-213-2265

California Second Chance Checking Accounts

InstitutionVerification CheckAccounts OfferedPhone Number
California Coast Credit UnionChexSystemsSecond chance checking1-877-495-1600
Heritage Community Credit UnionChexSystemsSecond chance checking1-800-233-6328
Alta Vista Credit UnionChexSystemsSecond chance checking1-888-382-7999
Coast Central Credit UnionChexSystemsSecond chance checking1-800-974-9727
Southland Credit UnionChexSystemsSecond chance checking1-800-426–1917
Bank of the WestChexSystemsSecond chance checking1-800-488-2265
American First Credit UnionChexSystemsSecond chance checking1-800-290-1112
CoastHills Credit UnionChexSystemsSecond chance checking1-800-262-4488
FAST Credit UnionChexSystemsSecond chance checking1-800-635-4197
Schools Financial Credit UnionChexSystemsSecond chance checking1-800-962-0990
Unify Financial Federal Credit UnionChexSystemsSecond chance checking1-877-254-9328
Mid Cities Credit UnionChexSystemsSecond chance checking1-310-638-5147
BestBankChexSystemsSecond chance checking1-800-235-4636
Central Valley Community BankChexSystemsSecond chance checking1-800-298-1775
United Security BankChexSystemsSecond chance checking1-888-683-6030
Suncrest BankChexSystemsSecond chance checking1-559-306-1300
Premier Community Credit UnionChexSystemsSecond chance checking1-209-235-1100
North Country Credit UnionChexSystemsSecond chance checking1-858-487-1880

Colorado Second Chance Checking Accounts

InstitutionVerification CheckAccounts OfferedPhone Number
Colorado State Bank And TrustChexSystemsSecond chance checking1-877-205-1710
Academy BankChexSystemsSecond chance checking1-877-712-2265
Bank of the WestChexSystemsSecond chance checking1-800-488-2265

Connecticut Second Chance Checking Accounts

InstitutionVerification CheckAccounts OfferedPhone Number
Webster BankChexSystemsSecond chance checking1-800-325-2424
Finex Credit UnionChexSystemsSecond chance checking1-888-394-9727
Westerly Community Credit UnionChexSystemsSecond chance checking1-401-596-7000

Delaware Second Chance Checking Accounts

Coming soon.

District of Columbia Second Chance Checking Accounts

InstitutionVerification CheckAccounts OfferedPhone Number
Woodforest National BankChexSystems, TeleCheckSecond chance checking1-877-968-7962

Florida Second Chance Checking Accounts

InstitutionVerification CheckAccounts OfferedPhone Number
Centennial BankChexSystemsSecond chance checking1-888-372-9788
We Florida FinancialChexSystemsSecond chance checking1-800-230-0200
CenterState Bank of FloridaChexSystemsSecond chance checking1-855-863-2265
Republic Bank and Trust CompanyChexSystemsSecond chance checking1-888-540-5363
Academy BankChexSystemsSecond chance checking1-877-712-2265
Community First Credit UnionChexSystems, EquifaxSecond chance checking1-800-342-8416
Axiom BankChexSystemsSecond chance checking1-800-584-0015
Gold Coast Federal Credit UnionNone IndicatedSecond chance checking1-561-965-1000
Woodforest National BankChexSystems, TeleCheckSecond chance checking1-877-968-7962
Space Coast Credit UnionChexSystemsSecond chance checking1-800-447-7228
Members First Credit Union of FloridaChexSystemsSecond chance checking1-877-434-6328
First Florida Credit UnionChexSystems, EWSSecond chance checking1-800-766-4328
Atlantic Coast BankChexSystemsSecond chance checking1-800-342-2824
IBERIABANKChexSystemsSecond chance checking1-800-682-3231
Dade County Federal Credit UnionChexSystemsSecond chance checking1-800-299-7147

Georgia Second Chance Checking Accounts

InstitutionVerification CheckAccounts OfferedPhone Number
Best Bank ChexSystemsSecond chance checking1-800-235-4636
Hallco Community Credit UnionChexSystemsSecond chance checking1-800-849-4255
Peach State Credit UnionChexSystemsSecond chance checking1-855-889-4328
Woodforest National BankChexSystems, TeleCheckSecond chance checking1-877-968-7962
FlagStar BankChexSystemsSecond chance checking1-888-248-6423
Atlantic Coast BankChexSystemsSecond chance checking1-800-342-2824

Idaho Second Chance Checking Accounts

InstitutionVerification CheckAccounts OfferedPhone Number
Bank of the WestChexSystemsSecond chance checking1-800-488-2265

Illinois Second Chance Checking Accounts

InstitutionVerification CheckAccounts OfferedPhone Number
Best Bank ChexSystemsSecond chance checking1-800-235-4636
Woodforest National BankChexSystems, TeleCheckSecond chance checking1-877-968-7962
Farmers State BankChexSystemsSecond chance checking1-877-372-1879
MainSource BankChexSystemsSecond chance checking1-800-713-6083
Central Bank of St. LouisChexSystemsSecond chance checking1-877-472-6974
Catholic and Community Credit UnionChexSystemsSecond chance checking1-618-233-8073
Prarieland Federal Credit UnionChexSystemsSecond chance checking1-877-371-1211
Rock Valley Federal Credit UnionChexSystemsSecond chance checking1-815-877-0441
First Midwest BankChexSystemsSecond chance checking1-800-322-3623
First American BankChexSystemsSecond chance checking1-847-952-3700
Great Lakes Credit UnionChexSystemsSecond chance checking1-800-982-7850

Indiana Second Chance Checking Accounts

InstitutionVerification CheckAccounts OfferedPhone Number
Republic Bank and Trust CompanyChexSystemsSecond chance checking1-888-540-5363
Mutual BankChexSystemsSecond chance checking1-866-986-9226
Woodforest National BankChexSystems, TeleCheckSecond chance checking1-877-968-7962
WesBanco BankChexSystemsSecond chance checking1-800-905-9043
United Fidelity BankChexSystemsSecond chance checking1-800-280-8280
First Federal Savings BankChexSystemsSecond chance checking1-812-492-8104
Commerce BankChexSystemsSecond chance checking1-812-492-1800
Heritage Federal Credit UnionChexSystemsSecond chance checking1-800-858-1693
MainSource BankChexSystemsSecond chance checking1-800-713-6083
FlagStar BankChexSystemsSecond chance checking1-888-248-6423
NorthPark Community Credit UnionChexSystemsSecond chance checking1-888-883-3328
Banterra BankChexSystemsSecond chance checking1-866-226-8377
Diamond Valley Federal Credit UnionChexSystemsSecond chance checking1-800-772-0638
Evansville Teachers Federal Credit UnionChexSystemsSecond chance checking1-800-800-9271
First Security BankChexSystemsSecond chance checking1-888-425-8000

Iowa Second Chance Checking Accounts

InstitutionVerification CheckAccounts OfferedPhone Number
Greater Iowa Credit UnionEquifaxSecond chance checking1-800-296-9064
Bank of the WestChexSystemsSecond chance checking1-800-488-2265

Kansas Second Chance Checking Accounts

InstitutionVerification CheckAccounts OfferedPhone Number
Bank of the WestChexSystemsSecond chance checking1-800-488-2265
United Consumer Credit UnionChexSystemsSecond chance checking1-800-580-9303
Community America Credit UnionChexSystemsSecond chance checking1-844-431-1976

Kentucky Second Chance Checking Accounts

InstitutionVerification CheckAccounts OfferedPhone Number
MainSource BankChexSystemsSecond chance checking1-800-713-6083
Republic Bank and Trust CompanyChexSystemsSecond chance checking1-888-540-5363
Old National BankChexSystemsSecond chance checking1-800-731-2265
First Security BankChexSystemsSecond chance checking1-888-425-8000
City National BankChexSystemsSecond chance checking1-859-367-3700
Woodforest National BankChexSystems, TeleCheckSecond chance checking1-877-968-7962
WesBanco BankChexSystemsSecond chance checking1-800-905-9043
FlagStar BankChexSystemsSecond chance checking1-888-248-6423
United BankChexSystemsSecond chance checking1-800-327-9862
First Federal Savings Bank of KentuckyChexSystemsSecond chance checking1-888-818-3372
BB&TChexSystemsSecond chance checking1-800-226-5228
Central BankChexSystemsSecond chance checking1-800-637-6884

Louisiana Second Chance Checking Accounts

InstitutionVerification CheckAccounts OfferedPhone Number
Woodforest National BankChexSystems, TeleCheckSecond chance checking1-877-968-7962
Barksdale Federal Credit UnionChexSystemsSecond chance checking1-800-647-2328
Hope Credit UnionChexSystemsSecond chance checking1-866-321-4673

Maine Second Chance Checking Accounts

Coming soon.

Maryland Second Chance Checking Accounts

InstitutionVerification CheckAccounts OfferedPhone Number
Woodforest National BankChexSystems, TeleCheckSecond chance checking1-877-968-7962

Massachusetts Second Chance Checking Accounts

InstitutionVerification CheckAccounts OfferedPhone Number
Webster BankChexSystemsSecond chance checking1-800-325-2424

Michigan Second Chance Checking Accounts

InstitutionVerification CheckAccounts OfferedPhone Number
Best Bank ChexSystemsSecond chance checking1-800-235-4636
FreeStar Financial Credit UnionChexSystemsSecond chance checking1-586-466-7800
Michigan First Credit UnionChexSystemsSecond chance checking1-800-664-3828
FlagStar BankChexSystemsSecond chance checking1-888-248-6423

Minnesota Second Chance Checking Accounts

InstitutionVerification CheckAccounts OfferedPhone Number
Best Bank ChexSystemsSecond chance checking1-800-235-4636
Bank of the WestChexSystemsSecond chance checking1-800-488-2265

Mississippi Second Chance Checking Accounts

InstitutionVerification CheckAccounts OfferedPhone Number
Woodforest National BankChexSystems, TeleCheckSecond chance checking1-877-968-7962
Hope Credit UnionChexSystemsSecond chance checking1-866-321-4673
Citizens National BankChexSystemsSecond chance checking1-601-693-1331
Bank PlusChexSystemsSecond chance checking1-888-811-7587

Missouri Second Chance Checking Accounts

Coming soon.

Montana Second Chance Checking Accounts

Coming soon.

Nebraska Second Chance Checking Accounts

Coming soon.

Nevada Second Chance Checking Accounts

InstitutionVerification CheckAccounts OfferedPhone Number
One Nevada Credit UnionChexSystemsSecond chance checking1-800-388-3000
Bank Of NevadaChexSystemsSecond chance checking1-877-299-2265
Nevada State BankChexSystemsSecond chance checking1-800-727-4743
Bank of the WestChexSystemsSecond chance checking1-800-488-2265
WestStar Credit UnionChexSystemsSecond chance checking1-800-729-9328

New Hampshire Second Chance Checking Accounts

Coming soon.

New Jersey Second Chance Checking Accounts

Coming soon.

New Mexico Second Chance Checking Accounts

InstitutionVerification CheckAccounts OfferedPhone Number
Bank of AlbuquerqueChexSystemsSecond chance checking1-800-583-0709
Bank of the WestChexSystemsSecond chance checking1-800-488-2265

New York Second Chance Checking Accounts

Coming soon.

North Carolina Second Chance Checking Accounts

InstitutionVerification CheckAccounts OfferedPhone Number
Charlotte Metro Federal Credit UnionChexSystemsSecond chance checking1-888-633-2628
Woodforest National BankChexSystems, TeleCheckSecond chance checking1-877-968-7962
Bank of the WestChexSystemsSecond chance checking1-800-488-2265

North Dakota Second Chance Checking Accounts

InstitutionVerification CheckAccounts OfferedPhone Number
Alerus FinancialChexSystemsSecond chance checking1-888-409-5375

Ohio Second Chance Checking Accounts

Coming soon.

Oklahoma Second Chance Checking Accounts

InstitutionVerification CheckAccounts OfferedPhone Number
Bank of OklahomaChexSystemsSecond chance checking1-800-234-6181
Bank of the WestChexSystemsSecond chance checking1-800-488-2265
Tinker Federal Credit UnionChexSystemsSecond chance checking1-800-456-4828
Landmark BankChexSystemsSecond chance checking1-800-618-5503

Oregon Second Chance Checking Accounts

Coming soon.

Pennsylvania Second Chance Checking Accounts

Coming soon.

Rhode Island Second Chance Checking Accounts

InstitutionVerification CheckAccounts OfferedPhone Number
Webster BankChexSystemsSecond chance checking1-800-325-2424
Westerly Community Credit UnionChexSystemsSecond chance checking1-401-596-7000

South Carolina Second Chance Checking Accounts

InstitutionVerification CheckAccounts OfferedPhone Number
Woodforest National BankChexSystems, TeleCheckSecond chance checking1-877-968-7962
First Reliance BankChexSystemsSecond chance checking1-888-543-5510
Carolina Trust Federal Credit UnionChexSystemsSecond chance checking1-888-448-2133
Upstate Federal Credit UnionChexSystemsSecond chance checking1-888-578-6943

South Dakota Second Chance Checking Accounts

InstitutionVerification CheckAccounts OfferedPhone Number
Bank of the WestChexSystemsSecond chance checking1-800-488-2265

Tennessee Second Chance Checking Accounts

InstitutionVerification CheckAccounts OfferedPhone Number
Hope Credit UnionChexSystemsSecond chance checking1-866-321-4673
Capital BankCredit reportSecond chance checking1-800-639-5111

Texas Second Chance Checking Accounts

InstitutionVerification CheckAccounts OfferedPhone Number
Austin Telco Federal Credit UnionChexSystemsSecond chance checking1-800-252-1310
Bank of TexasChexSystemsSecond chance checking1-800-346-5312
Woodforest National BankChexSystems, TeleCheckSecond chance checking1-877-968-7962

Utah Second Chance Checking Accounts

InstitutionVerification CheckAccounts OfferedPhone Number
Zions BankChexSystemsSecond chance checking1-800-974-8800
Bank of the WestChexSystemsSecond chance checking1-800-488-2265

Vermont Second Chance Checking Accounts

InstitutionVerification CheckAccounts OfferedPhone Number
Opportunities Credit UnionChexSystemsSecond chance checking1-800-865-8328

Virginia Second Chance Checking Accounts

InstitutionVerification CheckAccounts OfferedPhone Number
Woodforest National BankChexSystems, TeleCheckSecond chance checking1-877-968-7962
New Generations Federal Credit UnionChexSystemsSecond chance checking1-804-359-8754

Washington Second Chance Checking Accounts

InstitutionVerification CheckAccounts OfferedPhone Number
Gesa Credit UnionChexSystemsSecond chance checking1-888-946-4372
Bank of the WestChexSystemsSecond chance checking1-800-488-2265
Columbia BankChexSystemsSecond chance checking1-877-272-3678
Bank of AmericaChexSystemsSecond chance checking1-800-432-1000
Banner BankChexSystemsSecond chance checking1-800-272-9933

West Virginia Second Chance Checking Accounts

InstitutionVerification CheckAccounts OfferedPhone Number
Woodforest National BankChexSystems, TeleCheckSecond chance checking1-877-968-7962
Best Bank ChexSystemsSecond chance checking1-800-235-4636
Bank of the WestChexSystemsSecond chance checking1-800-488-2265

Wisconsin Second Chance Checking Accounts

Coming soon.

Wyoming Second Chance Checking Accounts

InstitutionVerification CheckAccounts OfferedPhone Number
Bank of the WestChexSystemsSecond chance checking1-800-488-2265
Greater Wyoming Federal Credit UnionChexSystemsSecond chance checking1-307-234-5662