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Second Chance Checking: Real Information and Resources

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It’s not a given that anyone can open a regular checking account. About 7.7% of American households, or almost 10 million people, are unbanked, and part of the reason involves having bad credit or poor banking histories.

Making mistakes with a bank account, such as not paying overdraft fees, can put you on a list to let other banks know you’re a risky customer, and you might be denied an account because of it.

Fortunately, some banks and credit unions offer so-called second chance checking accounts to help people rebuild their credit and financial histories. These accounts usually carry monthly fees and come with a few other requirements, such as participating in a financial literacy or money management class. An account holder might also not be eligible for overdraft protection, since second chance banking serves as a way to prevent overdrawing an account altogether.

Here’s an overview of these accounts and where you can find them in your area.

NATIONWIDE REGIONAL
STATE BY STATE
Alabama Alaska Arizona Arkansas
California Colorado Connecticut Delaware
District of Columbia Florida Georgia Hawaii
Idaho Illinois Indiana Iowa
Kansas Kentucky Louisiana Maine
Maryland Massachusetts Michigan Minnesota
Mississippi Missouri Montana Nebraska
Nevada New Hampshire New Jersey New Mexico
New York North Carolina North Dakota Ohio
Oklahoma Oregon Pennsylvania Rhode Island
South Carolina South Dakota Tennessee Texas
Utah Vermont Virginia Washington
West Virginia Wisconsin Wyoming

Why people get rejected for bank accounts

When people apply to open checking accounts, financial institutions screen them to determine how much of a risk they’ll be. About 80% of banks and credit unions in the United States use ChexSystems, a consumer reporting agency that gathers information on closed checking and savings accounts. Consumers with outstanding debts or overdrafts, fraudsters and victims of identity theft may have records on ChexSystems.

Records come with a consumer score, which you can check by mailing ChexSystems. Only negative information is recorded by the company, and it can remain on file for up to five years.

When a person with a ChexSystems record tries to open a checking account, it’s up to the financial institution to determine whether to approve that account. ChexSystems reports may or may not be used, as can credit reports.

Second chance checking accounts

When people cannot get bank accounts, their alternatives tend to be prepaid debit cards, payday loans and check cashing services, which aren’t always ideal because of transaction fees. They can also be much less convenient, since they may lack features such as online access to funds.

A second chance checking account, however, offers the security of a bank account while letting a consumer rebuild his or her banking history. After a year or two, an account holder may be able to upgrade to a regular checking account.

“For people who are employed and have made mistakes, the opportunity to rebuild your financial life is one that should not be passed up,” Dana Twight, a financial advisor in Seattle, said in an email.

Where to find second chance banking

Unfortunately, most major banks don’t offer second chance checking, but many community banks and credit unions have them under various names, such as Opportunity Checking and Fresh Start Checking. Check the list below.

Financial Institution Product Locations
Nationwide
Green Dot Bank GoBank Starter kits at Wal-Mart stores and online
Wells Fargo Opportunity Package
Regional
Appalachian Community Federal Credit Union Fresh Start Checking KY, TN, VA
Bank of the Ozarks Pathway Checking AL, AR, CA, FL, GA, NC, NY, SC, TX
BBVA Compass Bank Easy Checking AL, AZ, CA, CO, FL, NM, TX
Centennial Bank Opportunity 100 Checking AL, AR, FL
City National Bank Bounce Back Checking KY, OH, VA, WV
CommonWealth One Federal Credit Union Second Chance Checking DC, MD, PA, VA
Corporate America Family Credit Union Fresh Start Checking AZ, CA, CT, GA, IL, KS, NC, OH, PA, TX, VA
Energy One Federal Credit Union Fresh Start Checking CA, GA, OK, TX
Farmers & Merchants State Bank Clean Start Checking IN, MI, OH
Farmers Insurance Group Federal Credit Union Checking In program AZ, CA, CO, ID, IL, KS, MI, OH, OK, OR, TX, WA
GenFed Federal Credit Union New Start Checking IL, IN, OH
HomeStreet Bank Bank On Checking AZ, CA, HI, ID, OR, UT, WA
Hope Credit Union Easy Checking AR, LA, MS, TN
Landmark Bank Rebound Checking MO, OK, TX
Main Source Bank Fresh Start Checking IL, IN, KY, OH
OneUnited Bank U2 Checking CA, FL, MA
Park Community Credit Union Fresh Start Checking AL, IN, KY
PNC Bank Foundation Checking AL, DC, DE, FL, GA, IL, IN, KY, MD, MI, MO, NC, NJ, NY, OH, PA, RI, SC, VA, WI, WV
Premier Bank StartFresh Checking DC, MD, VA, WV
Republic Bank Checking Builder FL, IN, KY, OH, TN
Staley Credit Union Renew Checking IL, IN, TN
Webster Bank Opportunity Checking CT, RI, NY
Western Federal Credit Union Right Start Checking AR, CA, CO, IN, KY, MI, MS, TN, TX, UT, VA, WV
Woodforest National Bank Second Chance Checking AL, FL, GA, KY, LA, IL, IN, MD, MS, NY, NC, OH, PA, SC, TX, VA, WV
Financial Institution Product Additional Locations
Alabama
Alabama Credit Union Fix It Checking Also in FL
Avadian Credit Union e-Checking
Azalea City Credit Union Opportunity Draft
Community Bank & Trust Second Slice Checking Also in GA
Family Security Credit Union Give Me a Break Checking
First National Bank Credit Builder Account Also in TN
Guardian Credit Union Fresh Start Checking
Tuscaloosa Federal Credit Union Step-N-2 Checking
United Bank Gateway Checking Also in FL
West Alabama Bank Fresh Start Checking
Arkansas
Bank of Arkansas Opportunity Checking
Diamond Bank Diamond Encore Checking
Fairfield Community Credit Union Second Chance Checking
Focus Bank Fresh Start Checking Also in MO
Red River Credit Union Fresh Start Checking Also in TX
River Valley Community Credit Union Second Chance Checking
Alaska
True North Federal Credit Union True Options Checking
Arizona
Alhambra Credit Union Fresh Start Checking
Bank of Arizona Opportunity Checking
Banner Federal Credit Union Opportunity Checking
Bashas’ Associates Federal Credit Union New Start Checking
Canyon State Credit Union Second Chance Checking
MariSol Federal Credit Union Basic Checking
Pima Federal Credit Union Fresh Start Checking
TruWest Credit Union Opportunity Checking Also in TX
Tucson Federal Credit Union Second Chance Checking
Tucson Old Pueblo Credit Union Mission Checking
California
Alliance Credit Union Fresh Start Checking Also in NC
Allied Healthcare Federal Credit Union Healthy Start Checking
Alta Vista Credit Union Opportunity Checking
American United Federal Credit Union FreshStart Checking Also in UT
CoastHills (COOP) Second Chance Checking
E-Central Credit Union E-Builder Checking
Foothill Credit Union Rebound Checking
Heritage Community Credit Union 2nd Chance Checking
Kaiperm North Bay Federal Credit Union Fresh Start Checking
Kern Federal Credit Union Fresh Start Checking
Los Angeles Federal Credit Union Second Chance Checking
Mid Cities Credit Union Second Chance Checking
Premier America Credit Union Fresh Start Checking Also in TX
Priority One Credit Union New Leaf Checking
Southland Credit Union Opportunity Checking
Ventura County Credit Union Second Chance Checking
Colorado
Colorado State Bank and Trust Opportunity Checking
Liberty Savings Bank Clean Slate Checking Also in FL
Metrum Community Credit Union Second Chance Checking
NuVista Federal Credit Union 2nd Chance Checking
Connecticut
Eastern Savings Bank Second Chance Checking
Finex (Credit Union) Re-Start Checking
Hartford Federal Credit Union 2nd Chance Checking
Nutmeg State Financial Credit Union Second Chance Checking
Tobacco Valley Teachers Federal Credit Union myChance Checking (Draft)
Delaware
WSFS Bank Fresh Start Checking
District of Columbia
No accounts found at D.C.-based financial institutions
Florida
1st National Bank of South Florida New Opportunity Checking
Alabama Credit Union Fix It Checking Also in AL
Atlantic Coast Bank Coast Checking
Axiom Bank Opportunity Checking
CenterState Bank of Florida Fresh Start Checking
Central Credit Union of Florida Fresh Start Checking
Central Florida Postal Credit Union Second Chance Checking
City County Employees Credit Union Fresh Start Checking
Community First Credit Union Fresh Start Checking
Compass Financial Federal Credit Union Restart Checking
First American Bank Fresh Start Checking Also in IL
First Florida Credit Union Smart Track Checking
Gold Coast Federal Credit Union Fresh Start Checking
Gulf Winds Federal Credit Union My Opportunity Checking
Jax Federal Credit Union Fresh Start Checking
JetStream Federal Credit Union Second Chance Checking Also in Puerto Rico
Liberty Savings Bank Clean Slate Checking Also in CO
McCoy Federal Credit Union Fresh Start Checking
MembersFirst Credit Union of Florida Second Chance Checking
Okaloosa County Teachers Federal Credit Union Fresh Start Checking
One South Bank One South Opportunity Checking
San Antonio Citizens Federal Credit Union Second Chance Checking
South Florida Federal Credit Union Second Chance Checking
Georgia
Atlanta Federal Credit Union Second Chance Checking
Community Bank & Trust (“Red Apple”) Second Slice Checking Also in AL
Doco Credit Union Fresh Start Checking
Excel Federal Credit Union Fresh Start Checking
Georgia United Credit Union Restart Checking
Georgia’s Own Credit Union Resolution Checking
Health Center Credit Union Fresh Start Checking
Members United Credit Union Second Chance Checking
Peach State Federal Credit Union Fresh Start Checking
Robins Federal Credit Union Second Chance Checking
Hawaii
No accounts found at state-based financial institutions
Idaho
Scenic Falls Federal Credit Union Second Chance Checking
Illinois
Catholic & Community Credit Union Rebound Checking
First American Bank Fresh Start Checking Also in FL
First National Bank and Trust Company Renew Checking Also in WI
Great Lakes Credit Union Fresh Start Checking
Prairieland Federal Credit Union Second Chance Checking
Rock Valley Credit Union Basic Checking
Suburban Bank & Trust Fresh Start Checking
Indiana
Centra Credit Union Opportunity Checking
Diamond Valley Federal Credit Union Fresh Start Checking
Evansville Teachers Federal Credit Union Opportunity Checking Also in KY
Heritage Federal Credit Union 2nd Chance Checking
Horizon Bank Fresh Start Checking Also in MI
Interra Credit Union Opportunity Checking
One Vision Federal Credit Union Rising Star Checking
Regional Federal Credit Union First Step Checking
Your Community Bank New Opportunity Checking Also in KY
Iowa
Collins Credit Union StartFresh Checking
Federation Bank Fresh Start Checking
Greater Iowa Credit Union Second-chance Checking
North Iowa Community Credit Union Fresh Start Debit
Kansas
Central National Bank Second Chance Checking Also in NE
United Consumers Credit Union Second Chance Checking Also in MO
National Bank of Kansas City Fresh Start Checking Also in MO
Kentucky
C-Plant Federal Credit Union 2nd Chance Checking
The Cecilian Bank Choice Opportunity Checking
Central Bank Clean Start Checking
Citizens Union Bank Second Chance Checking
Evansville Teachers Federal Credit Union Opportunity Checking Also in IN
First United Bank & Trust Company Fresh Start Checking
FNB Bank Second Chance Checking
Fort Knox Federal Credit Union 2nd Chance Checking
Home Federal Bank Square One Checking Also in TN
Kentucky Telco Federal Credit Union NewStart Checking
Your Community Bank New Opportunity Checking Also in IN
Louisiana
Neighbors Federal Credit Union Basic Checking
Pelican State Credit Union Horizon Checking
Southwest Louisiana Credit Union Fresh Start Checking
Maine
Five County Credit Union Second Chance Checking
Maryland
Central Credit Union of Maryland Renew Checking
Clear Mountain Bank StartFresh Checking Also in WV
Security Plus Federal Credit Union Revive Checking
Massachusetts
Alden Credit Union No Boundaries Checking
Tremont Credit Union Second Chance Checking
Washington Savings Bank Rewards Card Checking
Michigan
Clarkston Brandon Community Credit Union Fresh Start Checking
Credit Union One Basic Checking
Horizon Bank Fresh Start Checking Also in IN
Marshall Community Credit Union Fresh Start Checking
Members First Credit Union Fresh Start Checking
Michigan State University Federal Credit Union Rebuild Checking
Minnesota
Minnesota Valley Federal Credit Union Second Chance Checking
Peoples Community Credit Union Second Chance Checking
Westconsin Credit Union Foundations Checking Also in WI
Mississippi
Citizens National Bank Clean Slate Checking
Gulf Coast Community Credit Union Second Chance Checking
Magnolia Federal Credit Union Opportunity Checking
MUNA Federal Credit Union Fresh Start Checking
Missouri
Alliance Credit Union FreshStart Checking
Bank of Kansas City Opportunity Checking
Central Bank of the Midwest Fresh Start Checking
Columbia Credit Union Fresh Start Checking
Electro Savings Credit Union Fresh Start Checking
First State Community Bank New Opportunity Checking
Focus Bank Fresh Start Checking Also in AR
Health Care Family Credit Union Fresh Start Checking
Missouri Credit Union Smart Start Checking
Montgomery Bank Montgomery New Start Checking
National Bank of Kansas City Fresh Start Checking Also in KS
St. Johns Bank & Trust Fresh Start Checking
St. Louis Community Credit Union Second Chance Checking
Town & Country Bank Opportunity Checking
United Consumers Credit Union Second Chance Checking Also in KS
United Credit Union Second Chance Checking
Vantage Credit Union Fresh Start Checking
Wood & Huston Bank StartFresh Checking
Montana
Elkhorn Federal Credit Union Fresh Start Checking Will merge with Helena Community Credit Union and go under that name Aug. 1, 2015
Valley Federal Credit Union Opportunity Checking Also in WY
Nebraska
Central National Bank Second Chance Checking Also in KS
Western Heritage Credit Union Fresh Start Checking
Nevada
Clark County Credit Union CheckAgain Checking
One Nevada Credit Union New Start Checking
WestStar Credit Union Fresh Start Checking
New Hampshire
No accounts found at state-based financial institutions
New Jersey
Atlantic Federal Credit Union Second Chance Checking
Credit Union of New Jersey Right Turn Checking
Jersey Shore Federal Credit Union Fresh Start Checking
New Mexico
Bank of Albuquerque Opportunity Checking
Lea County State Bank Opportunity Checking
New York
Alternatives Federal Credit Union Fresh Start Checking
Financial Trust Federal Credit Union 2nd Chance Checking
Fulton Savings Bank Second Chance Checking
Genesee Valley Federal Credit Union Fresh Start Checking
UFirst Federal Credit Union Second Chance Checking
North Carolina
American Partners Federal Credit Union EZ 4 U Checking
Charlotte Metro Federal Credit Union Fresh Start Checking
North Dakota
Capital Credit Union Second Chance Checking
Ohio
Buckeye State Credit Union Second Chance Checking
Chaco Credit Union, Inc. Second Chance Checking
Cheviot Savings Bank Clean Slate Personal Checking
Cincinnati Central Credit Union Direct Step Checking
Eaton Family Credit Union, Inc. Second Chance Checking
Hopewell Federal Credit Union Rebound Checking
IHECU (International Harvester Employee Credit Union, Inc.) Fresh Start Checking
Kemba Financial Credit Union Fresh Start Checking
Kent Credit Union Fresh Start Checking
Lorain National Bank Basic Checking
Members Trust Federal Credit Union Second Chance Checking
Sun Federal Credit Union Fresh Start Checking Also in PA
Superior Federal Credit Union Fresh Start Checking
Oklahoma
Allegiance Credit Union Fresh Start Checking
Bank of Oklahoma Opportunity Checking
Citizens Bank of Edmond Fresh Start Checking
Oklahoma Educators Credit Union Fresh Start Checking
Oklahoma Employees Credit Union Fresh Start Checking
TTCU The Credit Union Fresh Start Checking
Weokie (Credit Union) Second Chance Checking
Western Sun Federal Credit Union Fresh Start Checking
Oregon
Consolidated Community Credit Union Second Chance Checking
Point West Credit Union Fresh Start Checking
Pennsylvania
Allegent Community Federal Credit Union Fresh Start Checking
Erie Community Credit Union Second Chance Checking
Meadville Area Federal Credit Union 2nd Chance Checking
Sun Federal Credit Union Fresh Start Checking Also in OH
Utilities Employees Credit Union Advantages Green Light Checking
West Branch Valley Federal Credit Union Second Chance Checking
Rhode Island
No accounts found at state-based financial institutions
South Carolina
Carolina Collegiate Federal Credit Union Rebound Checking
Carolina Trust Federal Credit Union Encore Checking
GAFCU (Greater Abbeville Federal Credit Union) Fresh Start Checking
Vital Federal Credit Union Fresh Start Checking
South Dakota
Sentinel Federal Credit Union Rebuilder Checking
Tennessee
First National Bank Credit Builder Account Also in AL
Greater Eastern Credit Union New Star Checking
Holston Methodist Federal Credit Union Second-Chance Checking
Home Federal Bank Square One Checking Also in KY
Select Seven Credit Union Second Chance Share Draft
UT Federal Credit Union New U Checking
Texas
AAFES Federal Credit Union Fresh Start Checking
Abilene Teachers Federal Credit Union Restart Checking
Allied Federal Credit Union Fresh Start Checking
American Airlines Credit Union Ascend Checking
Associated Credit Union of Texas 180 Checking
Bank of Texas Opportunity Checking
Baptist Credit Union Second Chance Checking
Chocolate Bayou Community Federal Credit Union Clean Slate Checking
First Service Credit Union Fresh Start Checking
Houston Metropolitan Federal Credit Union Freedom-2nd Chance Checking
Kelly Community Federal Credit Union Second Chance Checking
Las Colinas Federal Credit Union 2nd Chance Checking
Members Source Credit Union Select Checking
Members Trust of the Southwest Federal Credit Union Start-Up Checking
Memorial Credit Union New Start Checking
Nascoga Federal Credit Union Fresh Start Checking
Neighborhood Credit Union Fresh Start Checking
North East Texas Credit Union Fresh Start Checking
Peoples Bank Second Chance Checking
Postel Family Credit Union Fresh Start Checking
Premier America Credit Union Fresh Start Checking Also in CA
Prestige Community Credit Union Fresh Start Checking
Red River Credit Union Fresh Start Checking Also in AR
Rio Bank Fresh Start Checking
Select Federal Credit Union Fresh Start Checking
Southside Bank Next Checking
Tarrant County Credit Union Fresh Start Checking
Texas Bay Area Credit Union Fresh Start Checking
Texas People Federal Credit Union Opportunity Checking
TruWest Credit Union Opportunity Checking Also in AZ
United Heritage Credit Union Choice Checking
Unity One Credit Union Clean Start Checking
Velocity Credit Union Access Checking
Utah
American United Federal Credit Union FreshStart Checking Also in CA
Cyprus Credit Union Fresh Start Checking
Vermont
No accounts found at state-based financial institutions
Virginia
First National Bank 2nd Chance Checking Also in WV
Healthcare Systems Federal Credit Union Second Chance Checking
Member One Federal Credit Union Smart Choice Checking
PortAlliance Federal Credit Union Smart Choice Checking
Your Community Credit Union Fresh Start
Washington
MountainCrest Credit Union Fresh Start Checking
Salal Credit Union Pathway Checking
West Virginia
First National Bank 2nd Chance Checking Also in VA
Clear Mountain Bank StartFresh Checking Also in MD
West Virginia Federal Credit Union Fresh Start Checking
Wisconsin
Brewery Credit Union Fresh Start Checking
Dane County Credit Union Relationship Builder Checking
Educators Credit Union Fresh Start Checking
First National Bank and Trust Company Renew Checking Also in IL
Schneider Community Credit Union Fresh Start Checking
Tomahawk Community Bank Fresh Start Checking
Wyoming
Greater Wyoming Federal Credit Union Freshstart Checking
WyHy Federal Credit Union Second Chance Share Draft
WYO Central Federal Credit Union 2nd Chance Checking
Valley Federal Credit Union Opportunity Checking Also in MT

Did we leave your financial institution off this list? Please let us know.

Another resource for help

Many communities around the U.S. have also created Bank On programs, which let city governments and local banks work to serve those who are unbanked or underbanked. Even if you don’t see offers for second chance bank accounts specifically, banks may still participate in these programs. See if your area has one here.

Spencer Tierney is a staff writer at NerdWallet, a personal finance website. Email: spencer@nerdwallet.com. Twitter: @SpencerNerd.

Updated July 9, 2015.

  • micheal walker

    god jr

  • Buckets

    I’ve had a second chance account with Wells Fargo for over a year and it’s great. Very user friendly with reasonable fees and requirements.

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  • LFREEMAN5

    US Bank in San Diego County, CA has been offering 2nd chance for a few years and they are very nice when you ask them about it- they don’t treat you differently or embarrass you at all.

    • angela

      US bank is a rip off. They are a very seedy corporation. The falsely accused me of fraud, froze my accounts and then closed them and stole the money I had in those accounts. That bank is as fake as a 3 dollar bill

      edited to add: they also falsely reported me to chexsystems to attempt to gain 1,200.00 I don’t owe.

      • John81855

        They did exactly the same thing to my son.

      • SmrtrThanU

        Not seedy, don’t abuse the account and you won’t be reported – simple. Same with any institution. As far as stealing money, I am assuming it went towards whatever you owed the bank. They cannot just “steal” money, it has to be a valid reason.

        • Sheri A Smith

          Not always so SIMPLE . People have become so judgemental. I have had similar issues, dont allow them to steal from you. I fought and won.Big money does not always win. You can bet when this country is under crisis, the big banks will just CLOSE hows that for simplicity.

    • Emsie

      I’ve had US Bank since 2009 and I haven’t had any issues with them at all. The only think I don’t like is that my direct deposits aren’t available to me at midnight. I have to wait till 4 in the morning to get my money. In Vegas 4 am is not a convenient time.

  • Joseph

    I had a bank deni me a checking account cause of bad credit which i cant fix anyway but they did offer me a savings account what good is having one if i dont have the right to the other.

  • Brandon

    First, I would like to say checking accounts are a necessary evil. A good checking account with a reputable name is a must if you want to keep a “status.” There are plenty of “guarantee checking accounts” out there such as Account Now, Rush Card, ACE Check cards, Wal-Mart pre-paid card, American Express has a pre-paid card. However, they all have limitations, and can be viewed by any professional as unprofessional, so immediately you may be judged on the type of card you use. CRAZY, I KNOW! It happens. I loved Credit Unions, the problem is they are local. If you live in Austin, I HIGHLY RECOMMEND Austin TelCo. Go in, talk to a banker and BAM! Checking and savings account with a reputable Credit Union. If you are looking for a national bank. I highly recommend Wells Fargo Opportunity checking, WITHOUT overdraft protection. I am a business owner, and the type of card I pull out of my wallet to pay for business meetings or talking to a first time client was very important. In the past I have had many problems with checking and savings accounts. Before going to Wells Fargo on 3/08/2014 I was denied by 8 Credit Unions and 5 banks for a checking account. Yes, I am on TeleCheck and Check Systems. I hate walking into the bank and being denied that is embarrasing. I called the 800 number for new accounts and they transfer me to a local Bank Rep. I gave her information on the phone and BAM! She said to come in and sign the paper work. I walked out with a checking account and two savings accounts. The only thing I know is that we could not put my partner on because he owed on an old Wells Fargo Account. However, the Banker gave me the number, we called, and paid off the small amount. He is now on the account. The banker also advised that we could of made payment arrangements and if we showed her proof we could get him on. Nerd Wallet actually helped me with obtaining information on both Austin TelCo and Wells Fargo.
    -Important, do not get the overdraft protection. Good Luck everyone, and go for it.

  • david carey

    someone told of problems with USBank thay are rip offs thay did the same thing to me someone gave me a bad check thay purchased some computer towers from me put check in my account did not take any money out the check no good thay charged me 120 dollers in fees and reported me to check/sys for fraud this was not my fault not right USBank is big rip off