A Perfect Bank Account For Those With Bad Credit

If you’ve ever been denied a bank account because of you’ve experienced financial challenges and bad credit, you’re not alone. Fortunately, CheckingExpert has helped thousands of people like you open online bank accounts. Bank accounts that give you all the checking account features you need and deserve without the exorbitant fees many banks impose. Yes, you can open a bank account even with bad credit.

Credit Bureaus, ChexSystems, and Bank Accounts for Bad Credit

Most banks look at the credit history of their customers before granting them the ability to open a checking account. Some banks run a credit check through one of the major credit bureaus: TransUnion, Experian, or Equifax.

Other banks will dig deeper by turning to a company called ChexSystems. This company identifies your history with overdrafts, bad checks, and account freezes. Additionally, banks will look at check fraud, negative balances, and excessive withdrawals through Early Warning Systems (EWS). If you find yourself blacklisted by one of these companies, getting a bank account can seem impossible.

>> MORE: How To Dispute Information On ChexSystems

A Bank Account For Those With Bad Credit

The researchers at CheckingExpert.com have found one bank where you can get a bad credit bank account. There’s no hidden fees, no minimum balance, and no monthly fees. Best of all, you can open an account today and there’s no initial deposit required to do so!

Open a Chime Bank account today!

Winner: Best Bank Account For Those With Bad Credit

Chime Bank


Chime Bank is a fast-growing internet-only bank. Unlike big banks, Chime was created during the smartphone era and, therefore, features an app that is more than just a way for customers to review their bank accounts.

And, best of all, Chime Bank accepts all customers who apply. Even if you have bad or poor credit or have been blacklisted by ChexSystems or credit bureaus. It’s one of the only guaranteed checking accounts we’ve ever reviewed.

Features include mobile deposits, direct deposit, online bill payment, NO monthly or annual fees, NO overdrafts, NO credit check, and NO CheckSystems.

Setting up an account is almost too easy and the smartphone app tools are some of the best we’ve reviewed. Here are a few of the highlights:

  • FREE Visa® debit card
  • NO monthly fees or service charges
  • NO monthly minimums
  • NO credit check; Bad credit OK
  • NO ChexSystems or Telecheck; guaranteed approval
  • FREE online banking and mobile banking/deposits
  • FREE online checks
  • FREE mobile and online bill pay
  • NO foreign transaction fees
  • NO fees at over 38,000 MoneyPass® and Visa Plus Alliance ATMs worldwide
  • SAVINGS: You can round up every purchase to the nearest dollar and automatically deposit that difference into your savings account.

Chime Bank Lets You Get A Jump On Payday

You can receive your paycheck up to two days earlier than at a traditional bank if you set up direct deposit — Chime processes your employer’s check immediately instead of waiting like other banks may.

Open a Chime Bank account today!

Get $50 When You Join CheckingExpert on Chime.

Earn $50 when you receive a payroll direct deposit of $200 or more within the first 45 days of opening your Chime Spending Account.

Applying is simple. The Chime Bank website is simple and easy to interact with. It takes about 2 minutes to open an account from start to finish. There is NO deposit required to open an account.

Chime Bank is one of the most friendly banks for those who have been negatively impacted by bad credit, ChexSystems, or Telecheck.

Chime Is An Award-Winning Mobile Banking App and Debit Card.


Over 15,000 people have given the Chime Bank mobile app 5 stars. It’s all right on your phone and you can manage your account 24/7, no matter where you are.

Get an account now!

Need A Second Chance?

If you’re in the unfortunate spot of having a bad credit score, most major banks will not hang out the shingle announcing they want you as a customer.  We mentioned that Chime Bank is a guaranteed alternative for a bad credit bank account.  But some people want a local branch and in that case, there are some options. A few community banks and credit unions offer second chance bank accounts and have them under various names, such as Opportunity Checking and Fresh Start Checking.

These financial institutions offer second chance bank 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.

Our editorial staff regularly updates the list of banks offering second chance checking in every state. Here’s an overview of these accounts and where you can find them at branches in your area.

STATE BY STATE
AlabamaAlaskaArizona
ArkansasCaliforniaColorado
ConnecticutDelawareDistrict of Columbia
FloridaGeorgiaHawaii
IdahoIllinoisIndiana
IowaKansasKentucky
LouisianaMaineMaryland
MassachusettsMichiganMinnesota
MississippiMissouriMontana
NebraskaNevadaNew Hampshire
New JerseyNew MexicoNew York
North CarolinaNorth DakotaOhio
OklahomaOregonPennsylvania
Rhode IslandSouth CarolinaSouth Dakota
TennesseeTexasUtah
VermontVirginiaWashington
West VirginiaWisconsinWyoming