The Best Bank Account For Those With Bad Credit. No Monthly Fees, No Credit Check, and No ChexSystems.

If you’ve ever been denied a bank account because of bad credit or problems with ChexSystems or Telecheck, you know how difficult and frustrating it can be. There are a few small banks and credit unions that offer second chance banking accounts, but they’re hard to find and usually charge exorbitant fees. But the researchers at have found one bank where you can get a checking account without any fees or charges while enjoying all the services you need and deserve.

Winner: Best Second Chance Banking Account of 2019

BBVA Online Checking  
The BBVA Online Checking Account is our hands-down winner for the best second chance banking account and is perfect for those who have a poor or bad credit score. Unknown to some, BBVA is owned by a multi-billion dollar international bank and has won several awards for their leading products and online services. Features include mobile deposits, direct deposit, online bill payment, NO monthly or annual fees, NO credit check, and NO ChexSystems. Setting up an account is almost too easy and the smartphone app tools are the best we’ve reviewed. Here are a few of the highlights:

  • FREE Visa® debit card you can personalize with your favorite photo
  • NO monthly fees or service charges
  • FREE online banking and mobile banking/deposits
  • FREE mobile and online bill pay
  • NO fees at over 64,000 ATMs worldwide
  • NO credit check; Bad credit OK
  • NO ChexSystems; anyone can open an account

Applying is simple. The BBVA website is simple and easy to interact with. There is a $25 minimum deposit required to open an account and once that deposit clears, you’ll be off and running. Hands down, BBVA is one of the most friendly banks for those who have been negatively impacted by bad credit, ChexSystems, or Telecheck. The entire process from start to finish takes about 3 minutes.

b-lewis-bbva-testimonialFor anyone interested, I signed up for a BBVA Bank checking account. I have been using the new checking account, debit card, online website, direct deposit, and customer service for over a month now. I have to say I am genuinely impressed with everything they have done with me and my account.

So far it seems like the ideal bank.

B. Lewis, BBVA Customer
Open a BBVA Online account today!

Getting Started Is Easy

Apply and make an initial deposit.

It takes about 3 minutes to sign up. You’ll need to make an initial deposit of $25 to get started. Deposit funds through direct deposit, transfer funds from another account, or deposit directly to BBVA.

Get your Visa card in the mail and set up your online banking account.

You’ll receive your ClearConnect Visa card in the mail in 5–7 business days. Then download the BBVA App and set up your account. Managing your account on your phone or computer has never been easier.

Start Spending.

Use your ClearConnect Visa and checking account for all your day-to-day spending. You’ll have total control over your funds and can transfer money, pay bills and withdraw cash. And you can set alerts on the BBVA mobile app to carefully monitor your money.

Managing Your Money Is Easy With The Award-Winning Banking App.

It’s all right on your phone. The BBVA Mobile App allows you to manage your account 24/7, no matter where you are. No wonder Money Magazine named it the Best Mobile Banking App.

Get an account now!