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Second Chance Checking Accounts Across the U.S.

Second chance checking is an option if you've been rejected for an account due to a bad banking history. Accounts are available in all 50 states.
Banking, Checking Accounts
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If you’ve ever been turned down for a checking account because of past banking mistakes — such as an account closed due to unpaid overdraft fees — second chance checking could offer you another shot at banking.

What is second chance checking?

Banking mistakes can put you on a list held by consumer reporting agency ChexSystems. Banks look at it or similar sources before approving new accounts — and having a flawed banking history makes it less likely you’ll be approved.

Second chance checking is a way to rebuild your banking history, although it doesn’t have all the services that come with regular checking.

Some banks and credit unions offer “second chance” checking accounts for people in this situation. The accounts can help people rebuild their banking histories, but they don’t have all the services that come with regular checking accounts.

Ready to compare accounts? Skip ahead to our list of banks that offer second chance checking.

What are the pros and cons of second chance checking?

Second chance checking accounts usually have monthly fees that can’t be waived, and they often carry more requirements than standard checking accounts, such as setting up direct deposit or completing a money management class. You typically can’t enroll in an overdraft program, since the point of a second chance account is to demonstrate that you can avoid overdrawing.

These checking accounts can help improve banking history, but they don’t rebuild credit. For that, consider a secured credit card.

There may be monthly fees that can’t be waived, no overdraft program or requirements like having direct deposit. But second chance checking generally beats prepaid debit cards or check-cashing services when it comes to fees.

Despite their limitations, second chance checking accounts often beat alternatives, such as prepaid debit cards or check-cashing services. These can come with costly transaction fees and balance requirements, and may also lack convenient features like online banking.

If you can avoid negative balances or fees, many second chance checking accounts let you upgrade to a regular checking within six months to a year.

» Want to explore another option? Check out our roundup of the best prepaid debit cards

Picking a second chance checking account

The best second chance accounts come with:

  • Low or no monthly fees
  • No minimum balance requirements
  • Services such as debit card access, online bill pay and unlimited check writing privileges — for free
  • Few limits, such as daily or monthly maximum transaction amounts

Not all second chance checking accounts have these features. Some charge monthly fees as high as $20 and don’t issue debit cards or checks to account holders. Check the fees and requirements before applying.

National second chance banking

A few banks offer second chance checking nationwide:

  • Green Dot Bank (account name: GoBank, available online and at Walmart stores)
  • MemoryBank (account name: Memory Builder Checking, available online)
  • Radius Bank (account name: Essential Checking, available online)
  • Wells Fargo (account name: Opportunity Checking, available in 39 states and Washington, D.C.)

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.

If you can’t find one in the lists below, see if your community participates in a Bank On program. This is an initiative many communities have joined that lets city governments and local banks work together to serve those who are trying to get back into the banking system. Another option is to consider a prepaid debit card with robust services and few fees.

Regional and state-based second chance checking accounts

American Airlines Credit Union: Ascend Checking
Appalachian Community Federal Credit Union: Fresh Start Checking
Bank of the Ozarks: Pathway Checking
BBVA Compass: Easy Checking
Centennial Bank: Opportunity 100 Checking
City National Bank: Bounce Back Checking
Corporate America Family Credit Union: Fresh Start Checking
Energy One Federal Credit Union: Fresh Start Checking
Fifth Third Bank: Express Banking
GenFed Financial: Clean Start Checking
HomeStreet Bank: Bank On Checking
Hope Credit Union: Easy Checking
InTouch Credit Union: Fresh Start Checking
Landmark Bank: Rebound Checking
MainSource Bank: Fresh Start Checking
OneUnited Bank: U2 e-Checking
PNC Bank: Foundation Checking
Premier Bank: StartFresh Checking
Republic Bank: Checking Builder
Staley Credit Union: Renew Checking
Webster Bank: Opportunity Checking
Unify Financial Federal Credit Union: Right Start Checking
Woodforest National Bank: Second Chance Checking

 

Want (or need) an account at a state-based financial institution? Find options by clicking below.

Alabama Credit Union: On-Track Checking
Avadian Credit Union: e-Checking
Azalea City Credit Union: Opportunity Draft
Community Bank & Trust: Second Slice Checking
Family Security Credit Union: Give Me a Break Checking
First National Bank: Credit Builder
Guardian Credit Union: Fresh Start Checking
Gulf Winds Federal Credit Union: MyOpportunity Checking
United Bank: Gateway Checking
West Alabama Bank: Fresh Start Checking
True North Federal Credit Union: True Options Checking
Alhambra Credit Union: Basic Checking
Bank of Arizona: Opportunity Banking
Banner Federal Credit Union: Opportunity Checking
Canyon State Credit Union: Try Again Checking
MariSol Federal Credit Union: Basic Checking
Pima Federal Credit Union: Fresh Start Checking
Tucson Federal Credit Union: Second Chance Checking
Tucson Old Pueblo Credit Union: Mission Checking
Bank of Arkansas: Opportunity Banking
Diamond Bank: Encore Checking
Focus Bank: Fresh Start Checking
Red River Credit Union: Fresh Start Checking
River Valley Community Federal Credit Union: Fresh Start Checking
Alliance Federal Credit Union: Fresh Start Checking
Alta Vista Credit Union: Opportunity Checking
American United Federal Credit Union: FreshStart Checking
Befit Financial Federal Credit Union: Fresh Start Checking
E-Central Credit Union: E-Builder Checking
Foothill Credit Union: Rebound Checking
Kern Federal Credit Union: Fresh Start Checking
Los Angeles Federal Credit Union: Second Chance Checking
North County Credit Union: Fresh Start Checking
Premier America Credit Union: Fresh Start Checking
Priority One Credit Union: New Leaf Checking
University Credit Union: Fresh Start Checking
Ventura County Credit Union: Second Chance Checking
Colorado State Bank and Trust: Opportunity Banking
Liberty Savings Bank: Clean Slate Checking
NuVista Federal Credit Union: The Last Chance Checking
Eastern Savings Bank: Restart Checking
Finex Credit Union: Re-Start Checking
Hartford Federal Credit Union: 2nd Chance Checking
Tobacco Valley Teachers Federal Credit Union: myChance Checking
WSFS Bank: Fresh Start Checking
CommonWealth One Federal Credit Union: Second Chance Checking
Alabama Credit Union: On-Track Checking
Axiom Bank: Opportunity Checking
CenterState Bank: Fresh Start Checking
Central Credit Union of Florida: Fresh Start 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
First Florida Credit Union: Smart Track Checking
Gold Coast Federal Credit Union: Fresh Start Checking
Gulf Winds Federal Credit Union: MyOpportunity Checking
Jax Federal Credit Union: Fresh Start Checking
JetStream Federal Credit Union: Second Chance Checking
Liberty Savings Bank: Clean Slate Checking
McCoy Federal Credit Union: Fresh Start Checking
Members First Credit Union of Florida: Second Chance Checking
Okaloosa County Teachers Federal Credit Union: Fresh Start Checking
One South Bank: Opportunity Checking
Priority Credit Union: Restart Checking
San Antonio Citizens Federal Credit Union: Second Chance Checking
South Florida Federal Credit Union: Another Chance Checking
United Bank: Gateway Checking
Community Bank & Trust: Second Slice Checking
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: Another Chance Checking
Peach State Federal Credit Union: Fresh Start Checking
No accounts found at state-based financial institutions. Check for regional and national options.
Latah Credit Union: Second Chance Checking
Catholic & Community Credit Union: Rebound Checking
First American Bank: Fresh Start Checking
First Eagle Bank: Eagle Fresh Start Checking
First National Bank and Trust Company: Renew Checking
Marquette Bank: ReStart Checking
Prairieland Federal Credit Union: Not Your Normal Checking2
Centra Credit Union: Opportunity Checking
Diamond Valley Federal Credit Union: Fresh Start Checking
Evansville Teachers Federal Credit Union: Opportunity Checking
Farmers & Merchants State Bank: Clean Start Checking
Heritage Federal Credit Union: 2nd Chance Checking
Horizon Bank: Fresh Start Checking
Interra Credit Union: Opportunity Checking
One Vision Federal Credit Union: Rising Star Checking
Park Community Credit Union: Fresh Start Checking
Regional Federal Credit Union: First Step Checking
Collins Community Credit Union: Take2 Checking
Federation Bank: Fresh Start Checking
Greater Iowa Credit Union: Fresh Start Checking
North Iowa Community Credit Union: Fresh Start Debit
Central National Bank: New Opportunity Checking
United Consumers Credit Union: Second Chance Checking
C-Plant Federal Credit Union: Second Chance Checking
The Cecilian Bank: Choice Opportunity Checking
Central Bank: Clean Start Checking
Evansville Teachers Federal Credit Union: Opportunity Checking
First United Bank and Trust Company: Fresh Start Checking
FNB Bank: Start Again Checking
Heritage Federal Credit Union: 2nd Chance Checking
Home Federal Bank: Square One Checking
Park Community Credit Union: Fresh Start Checking
Neighbors Federal Credit Union: Basic Checking
Pelican State Credit Union: Horizon Checking
Southwest Louisiana Credit Union: Fresh Start Checking
Five County Credit Union: 2nd Chance Checking
Central Credit Union of Maryland: Renew Checking
Clear Mountain Bank: StartFresh Checking
Market USA Federal Credit Union: Fresh Start Checking
Security Plus Federal Credit Union: Revive Checking
Alden Credit Union: No Boundaries Checking
Athol Credit Union: Fresh Start Checking
Washington Savings Bank: Online Rewards Checking
Credit Union One: Basic Checking
Horizon Bank: Fresh Start Checking
Marshall Community Credit Union: Fresh Start Checking
Members First Credit Union: Fresh Start Checking
Michigan State University Federal Credit Union: Rebuild Checking
Minnesota Valley Federal Credit Union: Second Chance Checking
WESTconsin Credit Union: Foundations Checking
Citizens National Bank: Clean Slate Checking
Gulf Coast Community Credit Union: New Chance Checking
Magnolia Federal Credit Union: Opportunity Checking
MUNA Federal Credit Union: Fresh Start Checking
Alliance Credit Union: FreshStart Checking
The Bank of Missouri: Select 2 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
Health Care Family Credit Union: Fresh Start Checking
Mobank: Opportunity Banking
Montgomery Bank: Montgomery New Start Checking
St. Louis Community Credit Union: Second Chance Checking
Town & Country Bank: Opportunity Checking
United Consumers Credit Union: Second Chance Checking
United Credit Union: Restore Checking
Wood & Huston Bank: StartFresh Checking
Valley Federal Credit Union: Opportunity Checking
Central National Bank: New Opportunity Checking
Western Heritage Credit Union: Simple & Free Checking
Clark County Credit Union: CheckAgain Checking
WestStar Credit Union: Fresh Start Checking
No accounts found at state-based financial institutions. Check for national options.
Credit Union of New Jersey: Right Turn Checking
Jersey Shore Federal Credit Union: Fresh Start Checking
United Teletech Financial Federal Credit Union: Fresh Start Checking
Bank of Albuquerque: Opportunity Banking
Lea County State Bank: Opportunity Checking
Alternatives Federal Credit Union: Fresh Start Checking
Centra Credit Union: Opportunity Checking
Financial Trust Federal Credit Union: 2nd Chance Checking
Fulton Savings Bank: New Opportunity Checking
Genesee Valley Federal Credit Union: Fresh Start Checking
Alliance Federal Credit Union: Fresh Start Checking
American Partners Federal Credit Union: EZ 4U Checking
Charlotte Metro Credit Union: Fresh Start Checking
No accounts found at state-based financial institutions. Check for national options.
Buckeye State Credit Union: Second Chance Checking
Eaton Family Credit Union, Inc.: 2nd Chance Checking
Farmers & Merchants State Bank: Clean Start Checking
Hopewell Federal Credit Union: Rebound Checking
Kemba Federal Credit Union: Fresh Start Checking
Members Trust Federal Credit Union: Trust and Alternative Checking
Sun Federal Credit Union: Fresh Start Checking
Superior Credit Union: Fresh Start Checking
Allegiance Credit Union: Fresh Start Checking
Bank of Oklahoma: Opportunity Banking
Citizens Bank of Edmond: Fresh Start Checking
Oklahoma Educators Credit Union: Fresh Start Checking
TTCU Federal Credit Union: Fresh Start Checking
Weokie (Credit Union): Fresh Start Checking
Western Sun Federal Credit Union: Fresh Start Checking
Point West Credit Union: Fresh Start Checking
Allegent Community Federal Credit Union: Fresh Start Checking
Sun Federal Credit Union: Fresh Start Checking
Utilities Employees Credit Union: Second Chance Checking
West Branch Valley Federal Credit Union: Back on Track Checking
WSFS Bank: Fresh Start Checking
No accounts found at state-based financial institutions. Check for regional and national options.
Caro Smart Financial Solutions: Rebound Checking
Carolina Trust Federal Credit Union: Encore Checking
HopeSouth Credit Union: Fresh Start Checking
Market USA Federal Credit Union: Fresh Start Checking
Peach State Federal Credit Union: Fresh Start Checking
Vital Federal Credit Union: Fresh Start Checking
No accounts found at state-based financial institutions. Check for national options.
First National Bank: Credit Builder
Greater Eastern Credit Union: Fresh Start Checking
Holston Methodist Federal Credit Union: Second Chance Checking
Home Federal Bank: Square One Checking
Select Seven Credit Union: Second Chance Shardraft
Abilene Teachers Federal Credit Union: Restart Checking
Air Force Federal Credit Union: Fresh Start Checking
Allied Federal Credit Union: Fresh Start Checking
Associated Credit Union of Texas: 180 Checking
Bank of Texas: Opportunity Banking
Baptist Credit Union: Draft Builder Checking
Chocolate Bayou Credit Union: Clean Slate Checking
Diamond Bank: Encore Checking
First Service Credit Union: Fresh Start Checking
Houston Metropolitan Federal Credit Union: Freedom-2nd Chance Checking
Kelly Community Federal Credit Union: Smart Choice Checking
Las Colinas Federal Credit Union: 2nd Chance Checking
MemberSource Credit Union: Select Checking
Members Trust Federal Credit Union: Second Chance Checking
Memorial Credit Union: New Path Checking
Nascoga Federal Credit Union: Fresh Start Checking
Neigborhood Credit Union: Fresh Start Checking
North East Texas Credit Union: Fresh Start Checking
Peoples Bank: Second Chance Checking
Premier America Credit Union: Fresh Start Checking
Prestige Community Credit Union: Fresh Start Checking
Red River Credit Union: Fresh Start Checking
Rio Bank: Fresh Start Checking
Select Federal Credit Union: Fresh Start Checking
Southside Bank: Next Checking
Tarrant County’s Credit Union: Fresh Start Checking
United Heritage Credit Union: Choice Checking
Unity One Credit Union: Clean Start Checking
Velocity Credit Union: Access Checking
American United Federal Credit Union: FreshStart Checking
Cyprus Credit Union: Fresh Start Checking
No accounts found at state-based financial institutions. Check for national options.
Central Virginia Federal Credit Union: Fresh Start Checking
CommonWealth One Federal Credit Union: Second Chance Checking
Healthcare Systems Federal Credit Union: Renew Checking
Member One Federal Credit Union: Smart Choice Checking
PortAlliance Federal Credit Union: Smart Choice Checking
MountainCrest Credit Union: Fresh Start Checking
Clear Mountain Bank: StartFresh Checking
West Virginia Federal Credit Union: Fresh Start Checking
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
Schneider Community Credit Union: Fresh Start Checking
Tomahawk Community Bank: Fresh Start Checking
WESTconsin Credit Union: Foundations Checking
Greater Wyoming Federal Credit Union: Freshstart Checking
WyHy Federal Credit Union: Second Chance Checking
WYO Central Federal Credit Union: 2nd Chance Checking
Valley Federal Credit Union: Opportunity Checking

 

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

NerdWallet writer Amber Murakami-Fester contributed to this article.

Updated April 10, 2018.

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