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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 an option in the event that you’ve been denied an account because of a bad banking history. Accounts are available in every state.

By Spencer Tierney Senior Writer | Certificates of Deposit and ethical banking, as well as banking deposits Spencer Tierney is a consumer banker at NerdWallet. He has been writing about personal finance since 2013 with a focus on certificates of deposit, as well as other banking subjects. His work has been featured on The Washington Post, USA Today, The Associated Press and the Los Angeles Times, among others. He is located in Berkeley, California.

and Chanelle Bessette Banking, checking Accounts, Cash Management Accounts Chanelle Bessette writes as a private finance writer for NerdWallet covering banking. She has previously worked for Fortune, Forbes and the Reno Gazette-Journal. She is also a spokesperson for the banking team. Her work has been featured throughout The New York Times, Vox and Apartment Therapy.

3 March 2022

Edited 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 encompass personal finance, Sci-Fi novels and groovy Broadway musicals.

The majority or all of the products we feature come from our partners who compensate us. This influences which products we review and the location and manner in which the product appears on a page. But, it doesn’t influence our evaluations. Our opinions are our own. Here’s a list of and .

If you’ve had the unfortunate experience of being refused a checking account because of past financial issues, like a bank account being closed due to unpaid overdraft fees Second chance checking may give you a chance to try again in the banking world.

Are you ready to compare accounts? Skip ahead to

What is second chance check?

Serious banking issues can put you on a list maintained by consumer reporting agency ChexSystems. The banks will look over it and other sources prior to approving new accounts — and having a poor bank history due to bounced checks, fees not paid or account closures make the odds less favorable for you to be approved.

Certain credit unions and banks provide «second chances» checking accounts to people in this situation. These accounts are able to help to rebuild their bank histories but they don’t offer all the features that are available standard checking accounts.

What are the advantages and disadvantages of checking twice?

The second chance accounts generally have monthly fees that can’t be waived. They also typically have more requirements than standard checking accounts, such as making direct deposit arrangements or completing a financial management class. There is no way to sign up for an overdraft programbecause the point of an account with a second chance is to demonstrate that you are able to avoid excessive withdrawals.

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

Even with their drawbacks Second chance checking accounts typically surpass alternatives, including prepaid debit cards or check-cashing services. They can be accompanied by high charges for transactions and requirements for balances, and may also lack useful features such as online banking.

If you can stay clear of charges or negative balances Many second chance checking accounts let you change to a regular checking account within six months or a year.

Are you looking to investigate another option? Take a look at our review of

Making a second attempt at a checking your account

The most successful second chance accounts have:

Monthly fees that are low or zero.

There are no minimum balance requirements.

Services such as debit card access, online bill pay and the ability to write unlimited checks- for free.

Few limits, such as daily or monthly maximum transactions.

Second chance checking accounts come with these options. Certain accounts charge monthly charges of up to $20, and they don’t provide debit cards or checks accounts holders. Make sure you know the fees and other requirements before applying.

National second chance banking

Some financial firms that are backed by banks provide second chance checking nationwide:

(account name: Spending Account, available online)

(account name: GoBank, available online and in Walmart retail stores).

(account name: Essential Checking, available online).

(account name: Bank Account, available online)

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

Major banks rarely offer second-chance checking, however some community banks and credit unions have them under various names like Opportunity Checking and Fresh Start Checking.

If you aren’t able to find one on the list below check if your neighborhood is part of a Bank On program. It’s an initiative that several communities have joined which lets city governments and local banks work together to serve those who are trying to return to banks. Another option is the prepaid debit card that comes with high-quality services and low charges.

Compare second chances for checking accounts

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.

GoBank

Monthly fee: $8.95 (unless waived).

Overdraft fee The amount is not a problem.

Special feature : Up to 2 days before direct payment.

NerdWallet’s ratings are determined by our editorial team. The scoring formulas consider many data points for each financial service and product.

at Varo Bank, Member FDIC

Varo

Monthly fee : None.

Overdraft fees : None.

Special offer: 55,000 Free ATMs.

The ratings of NerdWallet are formulated by our editorial team. The scoring formulas take into account multiple data points for every financial product or service.

LendingClub Essential Checking

Monthly fee: $9.

Overdraft fee $5.

Special feature : You can upgrade to Rewards Checking in the course of a year.

State- and regional-based second chance checking accounts

Certain regional banks and credit unions offer second chance accounts, but clients are typically required to live in certain states or meet certain other requirements for membership. Here’s a list of such institutions.

Regional credit union and bank 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 are you in need of) an account with a state-based financial institution? You can find options by clicking here.

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 banks and financial institutions located in the United States. Find regional and national options.

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 Members 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. Find 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

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

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 an expert in certificates of deposit at NerdWallet. He has had his work highlighted in USA Today and the Los Angeles Times.

Chanelle Bessette writes as a finance personal writer at NerdWallet that covers banking. She specializes in checking and cash management accounts.

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