If you’ve recently been denied a checking account because of past banking mistakes, you’re not alone. About 85% of banks and credit unions use databases managed by ChexSystems, Early Warning Services (EWS), or Telecheck to share data about checking account holders. So, if you’ve been blacklisted at one bank, it’s almost a sure bet you will be blacklisted at most other banks. And that information is kept in the databases for five years, making getting an account difficult and frustrating.
However, a second chance checking account offers you another opportunity at banking. Some banks and credit unions offer second chance banking accounts expressly for people who have negative marks in ChexSystems, EWS, or Telecheck.
CheckingExpert has helped thousands of people just like you open second chance banking accounts. We’ve selected the best accounts 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!
The Top Second Chance BanksOpen an account today!
The Best Second Chance Bank Accounts Near Me
Unfortunately, most major banks don’t offer second chance checking, but many community banks and credit unions have them under various names, such as Opportunity Checking and Fresh Start Checking.
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.
If you’ve experienced issues with credit debt, checking account issues, or bounced checks, CheckingExpert can help you get back on track toward a healthy financial future. Our goal is to guide you through the complex financial roadmap to find the banks or credit unions that can best meet your needs.
The vast majority of the time, you can get a bank account with ALL the features and benefits you need with no fees, minimums, or restrictions. We’re glad you found us. Now, let us help you find the right financial partner for you.