If you’ve ever been denied a checking 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 checking accounts, but they’re hard to find and usually charge exorbitant fees.
CheckingExpert has helped thousands of people just like you open no ChexSystems and second chance banking accounts. We’ve selected the best accounts for 2020 based on acceptance rates, checking account features and benefits, and the accounts with the lowest fees. Best of all, you can open an account TODAY.
Winner: Best No ChexSystems Bank of 2020
The Best Second Chance Banks by State
We’ve surveyed banks and credit unions throughout the country to find local, regional, or national financial institutions that offer “Second Chance Bank Accounts” or what some banks call Fresh Start Checking, Opportunity Checking, or New Start Checking.
Most of these institutions use ChexSystems or EWS, but are willing to look at opening these kinds of accounts on a case-by-case basis. Many times, they require a personal visit to a branch and may offer accounts that come with monthly fees or minimum balance requirements. While not as easy and fee-free as the BBVA Online Checking account, they do offer you an alternative.