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(image: https://i.ytimg.com/vi/MQhjFNwwSgY/hq720.jpg)Second Chance Checking Accounts across the U.S.

 

 

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Second Chance Checking Accounts across the U.S.

 

Second chance checking can be a viable option in the event that you've been denied an account because of a poor banking history. The accounts are available in every state.

 

by Spencer Tierney Senior Writer | Certificates of deposit ethics, ethical banking, bank deposit accounts Spencer Tierney is a consumer banker at NerdWallet. He has written about personal finance since 2013, with a focus on certificate of deposit and other banking-related subjects. The work he has written for him was featured by The Washington Post, USA Today, The Associated Press and the Los Angeles Times, among other publications. He is based in Berkeley, California.

 

 

 

 

 

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

 

 

 

 

 

 

Updated Mar 3, 2022

 

 

 

Editor: Carolyn Kimball Assigning Editor - Banking | Los Angeles Times, San Jose Mercury News Carolyn has been employed in newsrooms across the across the country as a reporter as well as an editor. Her passions encompass personal finance, Sci-Fi novels and ridiculous Broadway musicals.

 

 

 

 

 

 

 

 

 

 

 

A majority of the products featured here come from our partners who compensate us. This influences which products we write about and the location and manner in which the product is featured on a page. However, this does not affect our assessments. Our views are our own. Here's a list and .

 

 

 

 

If you've ever been refused a checking account due to past problems with banking -- such as an account closed due to unpaid overdraft fees Second chance checking could offer you another shot at banking.

 

Are you ready to review accounts? Go ahead and click

 

What is second chance checking?

 

Problems with your banking can land you on a list held by the consumer reporting agency ChexSystems. Banks look at it and other sources before approval of new accounts and having a flawed banking history from bounced checks, unpaid fees, or account closures makes the odds less favorable for you to be granted approval.

 

Some credit unions and banks offer "second chance" checking accounts to those in this situation. These accounts can assist people recover their bank accounts, but they don't have all the features that are available from regular accounts.

 

What are the advantages and disadvantages of second chance checking?

 

Second chance checking accounts generally have monthly fees that can't be waived, and they typically have more obligations than regular checking accounts, like the setting up of direct deposit or completing a financial management course. There is no way to sign up for an overdraft program, since the point of an account with a second chance is to show that you're able to stay away from the risk of overdrawing.

 

The checking accounts are a great way to improve your banking history, but they don't build credit. Consider a secured credit card.

 

However, despite their shortcomings second chance checking accounts typically beat alternatives, such as prepaid debit cards or check-cashing services. These accounts can have high transaction fees and balance requirements as well as convenient features like online banking.

 

If you can avoid negative balances or fees Second chance checking accounts will allow you to change to a regular checking account within six months or a year.

 

>> Want to explore an alternative option? Look through our roundup of the

 

Second chance to open a checking your account

 

The most effective second chance accounts have:

 

Low or no monthly fees.

 

There is no minimum balance requirement.

 

Services include credit card, bill pay and unlimited check writing privilegesall for no cost.

 

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

 

 

Second chance checking accounts offer these features. Certain accounts charge monthly charges of up to $20, and they don't provide the debit or check to those who have accounts. Check the fees and requirements before applying.

 

National second chance banking

 

Some financial firms that are supported by banks offer second chance checking nationwide:

 

(account name: Spending Account, available online)

 

(account name: GoBank account name: GoBank. It is available on the internet and at Walmart locations).

 

(account name: Essential Checking, available online).

 

(account name: Bank Account, available online)

 

(account ID: Clear Access Banking, available 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, like Opportunity Checking and Fresh Start Checking.

 

If you can't find one on the list below check if your neighborhood is part of the Bank On program. It's an initiative that which a lot of communities have joined and permits local governments and banks collaborate to assist those trying to get back into the banking system. Another option is the prepaid debit card that comes with strong services and low costs.

 

Compare second chances for checking accounts

 

The ratings of NerdWallet are formulated by our editorial team. The scoring formulas are based on several data points associated with every financial product or service.

 

 

 

 

 

GoBank

 

Monthly fee: $8.95 (unless you waive it).

 

Overdraft fees No fee for overdrafts.

 

Special feature: Up to 2 days early direct transfer.

 

 

 

 

The ratings of NerdWallet are formulated by our editorial team. The scoring formulas are based on many data points for every financial product or service.

 

 

at Varo Bank, Member FDIC

 

 

 

 

Varo

 

Monthly fee Monthly fee: None.

 

Fee for overdraft : None.

 

Special offer: 55,000 Free ATMs.

 

 

 

 

The ratings of NerdWallet are formulated by our editorial team. The scoring formulas consider several data points associated with each financial product and service.

 

 

 

 

 

LendingClub Essential Checking

 

Monthly cost : $9.

 

Overdraft fee : $5.

 

Special feature : Possible to Upgrade to Rewards checking once a year.

 

 

 

 

 

 

 

 

 

 

Second chance accounts for state and regional-based checking accounts

 

Certain regional banks and credit unions have second chance account options, but the customers are required to reside in certain states or meet certain other requirements for membership. Here's a list with a few 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 :

 

 

 

 

 

 

 

 

Are you looking for (or are you in need of) an account at a state-based financial institution? Explore your options 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. Check for regional and national options.

 

 

 

 

 

District of Columbia

 

 

There are no accounts in banks and financial institutions located in the United States. 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. Find regional and national options.

 

 

 

 

 

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

 

 

No accounts found at state-based financial institutions. Check for national options.

 

 

 

 

 

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

 

 

None of the accounts are found in state-owned financial institutions. Find national options.

 

 

 

 

 

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

 

 

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

 

 

There are no accounts at 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

 

 

None of the accounts are found in state-owned financial institutions. Find national options.

 

 

 

 

 

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 miss an institution that you have a financial relationship with on of this list? Please .

 

 

 

 

Authors' Bio: Spencer Tierney is a writer, and NerdWallet's official authority on deposit certificates. His work has been featured in USA Today and the Los Angeles Times.

 

 

 

Chanelle Bessette works as a financial writer at NerdWallet writing about banking. She specializes in checking and cash management accounts.

 

 

 

 

 

 

 

 

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