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Second Chance Accounts for Checking across the U.S.

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Second Chance Accounts for Checking across the U.S.

Second chance checking is a possibility if you’ve been rejected for an account due to a bad banking history. Accounts are available in all 50 states.

by Spencer Tierney Senior Writer | Certificates of Deposit, ethical banking, banking deposit accounts Spencer Tierney is a consumer banker at NerdWallet. He has been writing about finances for individuals since the year 2013, with a focus on certificates of deposit as well as other banking-related topics. He has had his work featured in The Washington Post, USA Today, The Associated Press and the Los Angeles Times, among others. The location of his work is Berkeley, California.

and Chanelle Bessette Lead Writer/Spokesperson Banking, checking Accounts, Cash and Management accounts Chanelle Bessette writes as a private finance journalist at NerdWallet that covers banking. She was previously employed at Fortune, Forbes and the Reno Gazette-Journal. She also serves as an ambassador for the banking team. Her work has been featured on The New York Times, Vox and Apartment Therapy.

Mar 3, 2022

Written by Carolyn Kimball Assigning Editor – Banking | Los Angeles Times, San Jose Mercury News Carolyn has worked in newsrooms around the nation as a reporter and editor. Her interests are personal finances, science-fiction fiction novels and absurd Broadway musicals.

The majority or all of the products featured here are from our partners, who we pay. This impacts the types of products we feature as well as the place and way the product is featured on a page. However, it does not affect our assessments. Our opinions are entirely our own. Here’s a list and .

If you’ve been refused a checking account because of past banking issues — such as an account closed due to unpaid overdraft fees Second chance checking might give you a second chance to get a bank account.

Are you ready to review accounts? Do not miss out on

What is second chance check?

Serious banking issues can put you on a list maintained by consumer reporting agency ChexSystems. Banks look at it or similar sources before approval of new accounts and having a flawed banking history from bounced checks, fees not paid, or account closures makes the odds less favorable for you to be granted approval.

Some credit unions and banks provide “second opportunity” checking accounts for people in this situation. These accounts can assist people to rebuild their bank histories however they do not offer all the benefits that are offered from regular accounts.

What are the pros and cons of second chance check-ins?

Checking accounts with second chance generally include monthly charges that cannot be waived. Additionally, they usually have higher obligations than regular checking accounts, such as the setting up of direct deposit or taking a money management course. It is not common to enroll in an overdraft plan, as the reason for having the second chance account is to prove that you’re able to stay away from overdrawing.

These checking accounts can help build a better banking record however they aren’t able to help rebuild credit. Consider the possibility of a credit card with a security.

Despite their limitations, second chance checking accounts typically beat alternatives, such as cash-cashing or prepaid debit cards. services. They can be accompanied by high charges for transactions and requirements for balances however, they may not have convenient features like online banking.

If you can stay clear of negative balances or fees, many second chance checking accounts allow you to switch to a regular check in six months to a year.

Are you interested in exploring another option? Look through our list of the

Picking a second chance checking account

The most successful second chance accounts have:

No or low monthly costs.

There are no minimum balance requirements.

Services such as debit access to cards Online bill pay, limitless check-writing privilegesall for cost-free.

Few limits, such as either monthly or daily maximum transaction amounts.

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

National second chance banking

A few banks and financial firms that are backed by banks allow second chance checking across the nation:

(account name: Spending Account, available online)

(account name: GoBank (account name: GoBank, accessible online as well as at Walmart retail stores).

(account name: Essential Checking, available online).

(account name: Bank Account, available online)

(account ID: Clear Access Banking, accessible in 39 states and Washington, D.C.).

Major banks rarely offer second chance checking, but some community banks and credit unions have them under various names, such as Opportunity Checking and Fresh Start Checking.

If you aren’t able to find one on the list below, see if your community is part of a Bank On program. This is an initiative several communities have joined which allows local and city government banks collaborate to help people who want to get back into the banking system. Another option is to consider an prepaid debit card offering strong services and very low fees.

Compare second chance checking accounts

NerdWallet’s ratings are determined by the editorial staff. The scoring formulas take into account multiple data points for every financial product or service.

GoBank

Monthly fee : $8.95 (unless waived).

Overdraft fee The amount is not a problem.

Special feature: Up to 2 day early direct transfer.

The NerdWallet ratings are made by the editorial staff. The scoring formulas take into account several data points associated with every financial product or service.

at Varo Bank, Member FDIC

Varo

Monthly cost : None.

Overdraft fee No fee for overdrafts.

Extra bonus : 55,000 free ATMs.

NerdWallet’s ratings are determined by the editorial staff. The scoring formulas are based on several data points associated with every financial service and product.

LendingClub Essential Checking

Monthly cost : $9.

Overdraft fees : $5.

Special feature : You can Upgrade to Rewards checking once the course of a year.

Second chance accounts for state and regional entities checking accounts

Some regional banks and credit unions offer second chance accounts. However, clients are typically required to live in specific states or fulfill specific membership requirements. Here’s a list of several such institutions.

Regional bank and credit union accounts

American Airlines Credit Union : Appalachian Community Federal Credit Union : Bank of the Ozarks : BOK Financial : Centennial Bank : City National Bank : Corporate America Family Credit Union : Fifth Third Bank : First Financial Bank : Hope Credit Union : OneUnited Bank : Republic Bank : Simmons Bank : Staley Credit Union : Unify Financial Credit Union : Webster Bank : Woodforest National Bank :

Want (or need) an account with an institution that is a part of the state? Find options by clicking below.

Alabama

Avadian Credit Union : Azalea City Credit Union : Community Bank & Trust : Family Security Credit Union : First National Bank : Gulf Winds Federal Credit Union : United Bank :

Alaska

True North Federal Credit Union :

Arizona

Alhambra Credit Union : Banner Federal Credit Union : Copper State Credit Union : MariSol Federal Credit Union : Tucson Old Pueblo Credit Union :

Arkansas

Diamond Bank : Red River Credit Union : River Valley Community Federal Credit Union :

California

Befit Financial Federal Credit Union : Excite Credit Union : Foothill Credit Union : Los Angeles Federal Credit Union : North County Credit Union : Premier America Credit Union : Priority One Credit Union : Self-Help Federal Credit Union : Strata Credit Union :

Colorado

Liberty Savings Bank : NuVista Federal Credit Union :

Connecticut

Eastern Savings Bank : Finex Credit Union : Hartford Federal Credit Union : Tobacco Valley Teachers Federal Credit Union :

Delaware

No accounts found at state-based financial institutions. Find regional and national alternatives.

District of Columbia

There are no accounts in financial institutions based here. Find regional and national alternatives.

Florida

Axiom Bank : Central Credit Union of Florida : Community First Credit Union : Compass Financial Federal Credit Union : First American Bank : First Florida Credit Union : Gold Coast Federal Credit Union : Gulf Winds Federal Credit Union : JetStream Federal Credit Union : Liberty Savings Bank : McCoy Federal Credit Union : members First Credit Union of Florida : Okaloosa County Teachers Federal Credit Union : Priority Credit Union : San Antonio Citizens Federal Credit Union : South Florida Federal Credit Union : United Bank :

Georgia

Community Bank & Trust : Excel Federal Credit Union : Georgia’s Own Credit Union : Health Center Credit Union : Members United Credit Union : Peach State Federal Credit Union :

Hawaii

There are no accounts at state-owned financial institutions. Look for national and regional alternatives.

Idaho

Latah Credit Union :

Illinois

Catholic & Community Credit Union : First American Bank : First National Bank and Trust Company : Marquette Bank : Prairieland Federal Credit Union :

Indiana

Centra Credit Union : Diamond Valley Federal Credit Union : Evansville Teachers Federal Credit Union : Heritage Federal Credit Union : Horizon Bank : Park Community Credit Union : Regional Federal Credit Union :

Iowa

Collins Community Credit Union : Federation Bank : Greater Iowa Credit Union : North Iowa Community Credit Union :

Kansas

Central National Bank : United Consumers Credit Union :

Kentucky

The Cecilian Bank : Central Bank : Evansville Teachers Federal Credit Union : First United Bank and Trust Company : FNB Bank : Heritage Federal Credit Union : Home Federal Bank : Park Community Credit Union :

Louisiana

Pelican State Credit Union : Southwest Louisiana Credit Union :

Maine

Five County Credit Union :

Maryland

Central Credit Union of Maryland : Clear Mountain Bank : Market USA Federal Credit Union : Security Plus Federal Credit Union :

Massachusetts

Alden Credit Union : Athol Credit Union :

Michigan

Credit Union One : Horizon Bank : Marshall Community Credit Union Membership First Credit Union : Michigan State University Federal Credit Union :

Minnesota

Minnesota Valley Federal Credit Union :

Mississippi

Citizens National Bank : Gulf Coast Community Credit Union : Magnolia Federal Credit Union : MUNA Federal Credit Union :

Missouri

Columbia Credit Union : Electro Savings Credit Union : First State Community Bank : Health Care Family Credit Union : Montgomery Bank : St. Louis Community Credit Union : Town & Country Bank : United Consumers Credit Union : United Credit Union : Wood & Huston Bank :

Montana

Clearwater Credit Union : Valley Credit Union :

Nebraska

Central National Bank :

Nevada

Clark County Credit Union : WestStar Credit Union :

New Hampshire

None of the accounts are found in state-owned financial institutions. Look for options that are national.

New Jersey

Credit Union of New Jersey : Jersey Shore Federal Credit Union : United Teletech Financial Federal Credit Union :

New Mexico

Bank of Albuquerque : Lea County State Bank :

New York

Adirondack Regional Federal Credit Union : Alternatives Federal Credit Union : Centra Credit Union : Financial Trust Federal Credit Union : Fulton Savings Bank : Genesee Valley Federal Credit Union :

North Carolina

Charlotte Metro Credit Union : Excite Credit Union :

North Dakota

No accounts found at state-based financial institutions. Look for options that are national.

Ohio

Buckeye State Credit Union : Eaton Family Credit Union, Inc. : Hopewell Federal Credit Union : Kemba Federal Credit Union : Members Trust Federal Credit Union : Superior Credit Union :

Oklahoma

Allegiance Credit Union : Bank of Oklahoma : Citizens Bank of Edmond : Oklahoma Educators Credit Union : TTCU Federal Credit Union : Weokie (Credit Union) : Western Sun Federal Credit Union :

Oregon

Point West Credit Union :

Pennsylvania

Utilities Employees Credit Union : West Branch Valley Federal Credit Union :

Rhode Island

No accounts found at state-based financial institutions. Look for national and regional alternatives.

South Carolina

Caro Smart Financial Solutions : Carolina Trust Federal Credit Union : HopeSouth Credit Union : Market USA Federal Credit Union : Peach State Federal Credit Union: Vital Federal Credit Union :

South Dakota

None of the accounts are found in state-owned financial institutions. Look for options that are national.

Tennessee

First National Bank : Greater Eastern Credit Union : Holston Methodist Federal Credit Union : Home Federal Bank : Select Seven Credit Union :

Texas

4U Credit Union : Abilene Teachers Federal Credit Union : AFFCU : Allied Federal Credit Union : Associated Credit Union of Texas : Bank of Texas : Baptist Credit Union : Chocolate Bayou Credit Union : Diamond Bank : First Service Credit Union : Houston Metropolitan Federal Credit Union : Kelly Community Federal Credit Union : MemberSource Credit Union : Members Trust Federal Credit Union : Memorial Credit Union : Neighborhood Credit Union : North East Texas Credit Union : Peoples Bank : Premier America Credit Union : Prestige Community Credit Union : Red River Credit Union : Rio Bank : Select Federal Credit Union : Southside Bank : Tarrant County’s Credit Union : United Heritage Credit Union : Unity One Credit Union :

Utah

American United Federal Credit Union : Cyprus Credit Union :

Vermont

No accounts found at state-based financial institutions. Look for options that are national.

Virginia

Central Virginia Federal Credit Union : Healthcare Systems Federal Credit Union : Member One Federal Credit Union :

Washington

MountainCrest Credit Union :

West Virginia

Clear Mountain Bank : West Virginia Federal Credit Union :

Wisconsin

Brewery Credit Union : Dane County Credit Union : First National Bank and Trust Company : Tomahawk Community Bank :

Wyoming

WyHy Federal Credit Union : WYO Central Federal Credit Union : Valley Credit Union :

Did we leave an institution that you have a financial relationship with on this list? Please .

The authors’ bios: Spencer Tierney is an expert on deposits in certificates at NerdWallet. The work of Spencer Tierney has also been highlighted in USA Today and the Los Angeles Times.

Chanelle Bessette is a personal finance journalist at NerdWallet that covers banking. She is a specialist in checking and cash management accounts.

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