The Best Second Chance Banks and Credit Unions in Georgia

Chime is a fast-growing internet-only financial company and our top choice for a second chance bank account.

And, best of all, Chime accepts almost all customers who apply. Even if you have bad or poor credit or have been blacklisted by ChexSystems or the credit bureaus.

Features include mobile deposits, direct deposit, online bill payment, NO monthly or annual fees, NO overdrafts fees¹, NO credit check, and NO CheckSystems. Opening an account is super easy. It takes about 2 minutes and you don’t have to make an initial deposit. Here’s what we like:

No Monthly Fees

For the past couple of years, Chime’s huge growth has come at the expense of the big banks and their outrageous fees. And it’s one of the best features of a Chime account. There are no monthly or annual service charges, no minimum balance requirement, no foreign transaction fees, no fees at over 60,000 ATMs², and no fees for mobile and online bill pay.

Deposit Cash for FREE at Over 8,500 Walgreens

Having access to a physical location for cash deposits is important to Chime members. And now it’s easy. All you have to do is go into a Walgreens store, hand the cashier the cash you want to deposit along with your Chime card, and the deposit will show up in your account immediately. This offers Chime members more walk-in locations than any other bank in the U.S. With over 78% of the country within 5 miles of a Walgreens, this is a significant benefit for millions.³

Smart Technology

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.

You can transfer funds to friends and family, Chime members or not… and they can claim their money instantly⁴ without any additional apps. The Chime app also has a series of notifications that you can turn on or turn off so you stay in complete control. Misplaced or lost your card? You can instantaneously turn off your card using the app. No wonder over 300,000 customers have given the app a 5-star review.

Customers First

Chime was one of the first to offer a “round up” option. If you use your Chime card on a purchase of $10.65, Chime gives you the option of automatically rounding up to $11.00 and putting the remaining $.35 in your free Chime savings account. And that adds up over time! Plus, Chime pays 0.50% Annual Percentage Yield (APY)⁵ in interest on that savings account.

If you use direct deposit with your Chime account, you can get your paycheck up to 2 days early⁶. And Chime is just saying no to big bank NSF charges with a fee-free overdraft program up to $200. Finally, Chime just recently launched their Credit Builder credit card with no interest and no annual fee. We don’t think there is another company innovating for their customers like Chime.

Get a Chime Account Today!
Chime is a financial technology company, not a bank. Banking services and debit card issued by The Bancorp Bank or Stride Bank, N.A.; Members FDIC. See additional disclaimers below.

For many people, having access to a local bank branch is paramount when setting up a checking account. With over 16,000 ATMs and 4,800 branches across the country, the Chase Secure Banking account might be the perfect fit.

Here are some of our favorite features with this account:

• NO credit check
• NO ChexSystems
• NO minimum deposit to open
• NO overdraft fees
• FREE access to over 16,000 Chase ATMs
• FREE Chase Online Bill Pay
• FREE money orders and cashier’s checks

Highly Rated Mobile App

Available for iOS and Android, the Chase Mobile app offers 24/7 access to your account. The app is highly rated, earning 4.8 stars out of 5 on the App Store and 4.4 stars out of 5 on Google Play.

You can transfer funds, deposit checks, send money with Zelle, set up account alerts and notifications, and lock your card if it’s been lost or stolen.

The app also has incredibly helpful budgeting tools, personalized insights, and the ability to check your credit score for free.

How The Account Works

Opening the Chase Secure Banking account is easy. They verify your name, address, and social security through Experian, but don’t pull a credit report or credit score. Chase doesn’t use ChexSystems for this account, either. Account approval is immediate, there’s no opening deposit requirement, and you’ll receive your Chase Secure card within a matter of days.

Chase doesn’t offer overdraft services with this account as you can only spend the money you have available and the account does not include paper checks.

Chase Secure Banking carries a $4.95 monthly service fee that cannot be waived. But combined with all the free services and the $100 cash bonus when you use the card for 10 purchases within 60 days, the monthly fee doesn’t pose a problem for most customers. And, you’ll have peace of mind with Chase’s Zero Liability Protection if you detect and report unauthorized transactions.

Banking With A Leader

Chase claims to be involved with 40% of Americans in some way or another. There can be comfort in size, reach, and stability. Chase has all of that and the assurance they will be there for a long, long time.

If you’ve wanted to bank with Chase and wondered if you’d qualify, we think you’re going to be really happy with the Chase Secure Banking account.

Get a Chase Secure Banking account today!

NorthOne is a fast-growing company built specifically around business banking solutions for freelancers, entrepreneurs, and small business owners. In addition to dramatically streamlining the application process, NorthOne doesn’t check your credit and doesn’t use ChexSystems. Here’s a recap:

• FREE business Mastercard debit card
• FREE access at over 1,000,000 ATMs nationwide
• FREE online and mobile app
• FREE live chat (not a chatbot), telephone, or email support
• FREE in-app invoice creator
• NO minimum monthly balance requirement
• NO NSF fees
• NO ACH transfer fees
• NO credit check or ChexSystems

Banking Services

NorthOne doesn’t require a minimum account balance and charges a $10 monthly fee that includes unlimited transactions in your account. These include ACH payments, bill pay, debit card usage, mobile deposits, and transfers. The only other fee is $15 for wire transfers.

You can also grant read-only access to employees or your accountant or bookkeeper. This keeps your account safe while also giving access to those who need it.

Integrations

With NorthOne business banking, you can connect your account to an almost unlimited number of third-party apps. NorthOne integrates with business tools including Paypal, Stripe, Square, Etsy, Shopify, Airbnb, Amazon, Venmo, Toast, Uber, Lyft, Quickbooks, FreshBooks, Wave, Expensify, and many more. Through these integrations, you can sync transaction details, collect payments, see and pay invoices, send payroll, pay contractors, and more.

If creating and sending invoices, quotes, and estimates is critical to your business, NorthOne offers a free stand-alone invoice creator that integrates seamlessly with the banking app. We’ve tried it and think it’s an elegant solution.

Envelopes

NorthOne has created a feature that helps you plan for and manage important expense categories. They call these sub-accounts “Envelopes” and you can set up as many as you want. This allows you to set aside funds you know you’ll need in the future such as taxes or payroll. You can set custom rules for your envelopes and easily move money back and forth as needed.

Application Process

NorthOne targets account approvals within one to two business days. Information required to open an account includes name, address, and social security number or tax identification number. If applicable, NorthOne may ask for a copy of your business license and business formation documents. After you’re approved, you’ll need to make a $50 minimum opening deposit.

NorthOne is one of the most competitive business bank accounts for entrepreneurs and small business owners. Their combination of services and offerings, the fast application process, and customer support create an outsized competitive advantage for both the bank and its customers. Every small business owner understands how critical that is for success.

Open an account today!

Acorns is making a name as a place to invest money for the long term, but what we really like is that they offer both checking and savings accounts. Best of all, Acorns doesn’t use ChexSystems or a credit report to approve accounts! That makes Acorns Spend another of our favorite second chance checking accounts. As a company built to compete with the largest banks, Acorns offers some extraordinary benefits.

We love the heavy metal tungsten Visa debit card and the world-class smartphone app that allows you to manage every aspect of your new checking account such as budgeting, spending, and security.

Another nice option is the ability to round up on every purchase and Acorns will take that money and automatically put it in a savings account. This really helps build a nest egg.

It takes about 2-3 minutes to sign up and not only do you get a checking and savings account, but you also have access to an investment account once you’re ready to consider that. And, it’s free.

Here’s more:

• FREE Visa® debit card
• FREE bank-to-bank transfers
• FREE physical check sending online or through the mobile app
• FREE mobile check deposits
• FREE or reimbursed ATM withdrawals nationwide
• NO minimum balance of overdraft fees
• NO credit check; ChexSystems OK
• FDIC insured

There is a $3 monthly fee that is easily covered by the ATM fee reimbursement and other goodies included with the account. To get the $75 bonus, all you have to do is set up Acorns Spend as your direct deposit method with your employer and receive 2 direct deposits of at least $250 each ($500 total).

If you’ve struggled with poor credit or ChexSystems, Acorns might be the perfect account.

Get An Acorns Account!

Current is another web-only national bank that has some really great features… and has become one of the fastest-growing checking accounts for consumers who want it all without all the costs and hassles.

Why are we featuring Current on our website? It’s simple: they don’t use ChexSystems or your credit report to open a new account. Sign-up takes about 2 minutes and Current has extremely high acceptance rates. But what’s really cool are the incredible features offered with this account:

• NO minimum balance
• NO deposit required to open an account
• NO overdraft fees when you overdraw by up to $100 with Overdrive™
• NO fees at over 40,000 ATMS in the U.S.
• Get your paycheck up to 2 days early with direct deposit
• Earn 4.0% interest on your balance up to $6,000
• Earn points for unlimited cashback at participating retailers
• Send money instantly for free
• An elegant but simple smartphone app
• 24/7 member support

Current offers a really unique service it calls Gas Hold Removals. What’s a gas hold? Some gas stations may apply a hold from $50 to $100 when you use a debit card to pump gas. If you only pumped $10 of gas, but the gas station places a $100 hold on your funds, you won’t have access to the $90 difference for up to 3 business days! The Current debit card will immediately refund the hold so you have access to all your funds. We haven’t found that benefit anywhere in the marketplace.

Here’s what’s really important, though. Deposits are FDIC-insured up to the highest possible amount allowed: $250,000. We love the features, we love the smartphone app, and we love Current. That makes us think you’ll love them too.

Get a Current Account Now!
Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group and Metropolitan Commercial Bank, Members FDIC.

The SoFi Money Checking Account is offered by SoFi Bank. It’s a checking and savings account on steroids and we love that. Plus, they don’t use ChexSystems to approve accounts.

You get a debit MasterCard and a very slick smartphone app. You can make deposits, write checks, utilize electronic bill pay, and transfer money. There are no monthly fees or overdraft fees. Plus, you earn interest on all the money in the account! The sign-up process can take less than 60 seconds. With over 2.5 million members, SoFi is a bank you can count on!

The $325 bonus comes in two parts. When you deposit at least $10, SoFi will credit your account $25. When you set up direct deposit from an employer, SoFi will credit your account $300 and bump the interest rate you earn to 1.25% APY. The bonus and interest rate are some of the highest we’ve seen.

• No account fees
• No minimum balance
• No fees at over 55,000 ATMs
• Access to SoFi member benefits like career coaching and financial advising
• Automated bill pay
• Freeze debit card on-the-go

SoFi Money has been great! The account was easy to open and I got my debit card a few days later. The smartphone app is easy to use and I can check everything from my computer, too. I’ve had some issues with ChexSystems in the past and SoFi Money seems to be the perfect account.

Gena M., SoFi Money Customer

Get a SoFi Account Now!

Aspiration is a socially and environmentally conscious company that can help you make more sustainable choices — while making the most of your money. Their Spend & Save account combines both checking and savings and opening an account takes just a couple of minutes. Aspiration does not use ChexSystems or your credit report to open an account.

Free or Monthly Fee – You Choose

With an Aspiration account, you decide how much your monthly fee will be — starting at $0. Through its “Pay What Is Fair” model, the company trusts customers to choose a monthly fee that’s fair for your wallet and fairly reflects the service you get from Aspiration. You can change your fee at any time.

For $7.99 per month, you can also choose to become an Aspiration Plus member and earn extra perks: 5% APY interest on savings, 10% cashback on certain purchases, and a debit card made of recycled ocean plastic.

Whichever account you choose, there are no minimum balance requirements. There are no fees at over 55,000 ATMs and no fees for paper checks you receive when you open the account. You can’t overdraft on your Spend & Save Account, so you don’t have to worry about overdraft fees, either.

If you set up direct deposit, your money will get to your account up to 2 days early. There is a $10 opening deposit required.

Do Well. Do Good.

Aspiration has created a banking experience they hope will match your environmental values. This includes a pledge that deposits won’t fund fossil fuel exploration or production and providing a personal impact score to help you shop to match your values. Another cool feature we like is that with every “round up” purchase you make, Aspiration will plant a tree.

If you upgrade to the Aspiration Plus account, there are a host of “Planet Protection” features. For example, Aspiration will provide carbon offsets to match the calculated carbon output for every gas purchase you make. You’ll get 10% cash back on purchases from the “Conscience Coalition” which includes retailers such as Blue Apron, Warby Parker, Imperfect Foods, and Toms.

This is the only banking product we’ve reviewed that offers the opportunity for members to spend and save with an environmentally friendly purpose.

Banking Your Way

There’s a lot to like about Aspiration: With NO ChexSystems and NO credit check, getting an account is easy and the smartphone and online apps are beautifully organized. Plus, you get rewarded for spending smarter and making an impact on your own carbon footprint.

Open an Aspiration Account Today!

Ameris Bank uses ChexSystems, but as long as the report has since been settled, only one bank is reported, and there are no previous reports indicating fraud or account abuse, applicants should not have any issues opening a new account.

We recommend Free Checking, which doesn’t charge a monthly fee nor has a minimum balance requirement. It offers free online, mobile, and text banking, as well as free bill pay. The only downside to this account is that it requires a steep $100 opening deposit.

You can find Ameris Bank branches located in Ocilla, Douglas, Dublin, Vidalia, and Lyons. Apply for an account online or in-person to start improving your financial standing!

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Rather than referring to your ChexSystems record, Armed Forces Bank will refer to a credit report and Certegy check services to determine if you’re eligible for an account. If you only have issues with ChexSystems, there’s a good chance you will be approved.

We like their Access Checking account because it provides all of the banking necessities while remaining affordable. The account comes with digital banking access, free eStatements, a free Visa debit card, and overdraft protection services. To waive the moderate $10 monthly service charge, you just need to enroll in direct deposit.

To get started, all you will need is $25 for an initial deposit. As the name may suggest, Armed Forces Bank offers accounts to anyone who is actively enrolled or retired from the U.S. Army. You can find their only Georgia branch conveniently located at Moody Air Force Base.

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Becoming a member of a credit union is a good way to rebuild your banking relationship. The Lend-A-Hand Checking Account from Associated Credit Union helps get you back on track. All you need is an initial deposit of $25.

If you want to add a person to this account, you are allowed a joint account holder. Direct deposit is required and there is a $9.95 monthly service charge. If you choose to receive an eStatement, your mailed statement fee is waived. The Lend-A-Hand account also includes:

• Free Visa debit card
• Credit monitoring and ID protection
• Online banking
• Mobile app and smart wallet features
• Online bill pay
• Account information through text message

You can join Associated Credit Union online. To be eligible, you must be a resident of Georgia, qualified by your employer or related to an existing family member. There are multiple locations throughout the Atlanta area.

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If you’ve been turned down by other banks, we recommend Pathway Checking from Bank OZK. Many accounts limit your access to features, but this second chance checking option gives you all the benefits of a traditional checking account.

There is a minimum opening balance of $50 and a $10 monthly service fee. However, there is no minimum balance requirement. Pathway Checking includes:

• Free debit card
• Free online and mobile banking
• Free telephone banking
• Free online bill pay
• eStatements
• Unlimited check writing

Bank OZK has branches in over 55 cities and towns across Georgia. Valdosta, Savannah, Macon, Atlanta, and Rome are just a few examples. Stop by a branch or visit their website to get started!

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Rather than using ChexSystems, Cadence Bank will look at your credit report to determine if you’re eligible for a checking account. It’s important to note that they require a credit score of at least 675 at the time of account opening.

Blue Checking is their most basic account that comes with a bunch of additional services for a low cost. There is a $50 minimum opening deposit as well as a low $8 monthly service fee that can be waived if you keep an average balance of $250 or more. We like this account because it comes with unique benefits like cell phone protection, buyer protection, and ID theft aid.

Cadence Bank has over 30 branches located in Georgia. You can find them in cities including Alpharetta, Savannah, Evans, Macon, Warner Robins, and many others.

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City National Bank helps you manage your money wisely. Their Safe Check program is designed to keep you from spending more than is in your account. In return, you don’t have to face a negative checking balance due to high NSF and overdraft fees. A free Visa check card and online bill pay provide you with easy access to your money.

The low monthly maintenance fee of $5 is waived if you have direct deposits totaling at least $250 for the month. All you need is an opening deposit of at least $25. Safe Check Account features include:

• Unlimited check card transactions
• Online banking
• Mobile banking with FASTdeposit
• Telephone banking
• Five free bill pay transactions every month

You can apply online or visit the full-service location in Atlanta.

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Second Slice Checking at Community Bank & Trust is a solid choice for second chance checking. With only a $100 minimum deposit to open, you receive the opportunity to build a strong banking relationship for a secure financial future. If you maintain your account in good standing, Community Bank & Trust will upgrade your checking account to a conventional option.

To open an account, all you need to do is visit one of the four locations in western Georgia. Your Second Slice Checking includes:

• Unlimited check writing
• Debit card with ATM access
• Direct deposit
• Mobile banking app
• E-statement or traditional image statements

Community Bank & Trust’s main branch is located in LaGrange. There are three satellite branches in Columbus, Hogansville, and West Point.

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Corporate America Family Credit Union is a valuable option for those seeking a second chance. CAFCU goes beyond simply providing you with checking, they want to see you succeed financially. They offer free money-management and financial education tools to help you manage your checking account.

To open a Fresh Start Checking account with CAFCU, you must first become a member of the credit union. CAFCU makes the process easy with an online membership process. Membership is restricted to those who are:

• Employed or retired from a CAFCU sponsor group
• Members of The Hope Group, which anyone can join
• Direct family of existing members

Once you are a member, you must keep a $100 balance in your savings account (“Regular Share Account”). The Fresh Start Checking account has no minimum balance and requires a $10 monthly service fee. Although CAFCU does not have any branches in Georgia, they provide access to CO-OP shared branches in Dublin and McRae for all your in-person banking needs.

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Family First Credit Union meets the needs of those seeking a full service second-chance checking. E-Checking is designed for those with a beacon score below 579 or a negative Deluxe Detect report. All you need to do is pay your outstanding debt.

There is a $12.00 monthly service fee, and direct deposit is required. You aren’t allowed to write checks with E-Checking, but you do receive a free ATM/Visa debit card. The switch kit from FFCU helps you easily set up direct deposit and other account features. E-Checking also includes:

• Online banking with NetBranch
• Online bill pay
• Overdraft protection from share account
• Mobile banking and check deposit

You can apply for FFCU membership and set up your accounts in person at the Hapeville or Roswell location.

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Fifth Third Bank is truly one of the leaders in providing convenience and utility to their members. Anyone is able to open a checking account at Fifth Third Bank, providing they have no history of fraud or open balances with the bank. With a low barrier of entry, almost anyone will be able to enjoy the wide array of financial products available at this bank including multiple versions of both checking and savings accounts.

If you’re looking for the simplest way to manage your funds, we recommend Express Banking. This is a checkless account that has no monthly service charge, no minimum balance requirements, and no overdraft fees. Also, keep in mind that Express Banking does not allow for deposits at ATMs. If you’re looking for an account with more features, check out their Momentum Checking account.

Fifth Third has 33 branches across Georgia. You will find branches in Atlanta, Marietta, Roswell, and other convenient locations.

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If you want a no-frills checking account, we really like the Free Checking account from First Citizens Bank. With 56 locations in Georgia, First Citizens gives you convenient access to branch locations and free ATMs.

The account comes with a Visa debit card, digital banking, and 24/7 mobile deposits. There’s no minimum balance and no monthly fees if you’re enrolled in paperless statements.

The Free Checking account allows you to send and receive money with Zelle® between friends, family, and people you trust no matter where they bank in the U.S. You can also link your debit card to digital wallets like Apple Pay® and Samsung Pay®.

Setting up an account is easy and you will need to make a $50 minimum initial deposit to get started.

Open An Account

If you have a negative history with ChexSystems but your credit report has remained somewhat intact, a Share Draft Checking account at Fort McPherson CU could be a great option for you. When you apply for the account, they won’t look at your credit score but rather the overall health of your credit report to determine if you are eligible.

With Share Draft Checking, you can enjoy a MasterCard debit card, overdraft protection services, and account access through home banking. You can also avoid the $10 monthly service fee if you keep your balance above $250.

There are some requirements in order to become a member at Fort McPherson CU. Visit their website or contact their main office in Atlanta to find out if this credit union is right for you.

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Fort Sill National Bank is an excellent choice for those looking for second chance checking. Their Basic Checking account does not require a credit check. We like that you aren’t required to enroll in direct deposit or pay high service fees. If your account balance is over $75, your monthly service fee of $6 is waived. If your account balance is over $500, you begin to earn interest.

All you need is $5 to open an account at one of their branches in Conyers, Covington, Lovejoy, Lithia Springs, or Snellville. The Basic Checking account comes with:

• A free Visa CheckCard
• Unlimited check writing
• Surcharge-free ATM withdrawals at FSNB locations
• Access to the Savings Round Up program
• Online, mobile, and text checking options

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Although Georgia United Credit Union uses ChexSystems during the verification process, you may still be able to open an account and improve your financial standing. If you have an outstanding balance with another financial institution of $100 or less, there’s a good chance you will be approved.

Their Simple Checking account is the simplest option and the easiest to qualify for. This straightforward account comes with a Visa debit card, access to online and mobile banking, and can easily be applied for online! We like that there are no monthly service fees or a required opening deposit.

Georgia United CU offers well over a dozen branches in the state. You can find them in cities including Atlanta, Conyers, Athens, Mcdonough, and many others. Once you become a member, you also have access to additional shared co-op branches in Georgia and across the US.

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If you are looking to get back to a place of financial peace, Resolution Checking from Georgia’s Own Credit Union is a step in the right direction. If you aren’t eligible for other checking accounts, the representatives at Georgia’s Own can help you open an account. You’ll receive:

• A free debit card
• Free online access
• Free mobile banking and check deposits
• Free bill pay
• Free balance text alerts

Georgia’s Own has branches in Savannah, Augusta, and the Atlanta area. There are also more than 30 additional shared co-op locations in Georgia. Contact one of their representatives to get started with a Resolution Checking account!

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GO2bank is an offering of pre-paid card giant GoBank and we think it’s a step in the right direction. Like some of the newer “challenger banks” GO2bank will deposit your direct deposit check up to 2 days early and has cashback rewards on several categories of purchases. This account also makes you eligible for the GO2bank credit card, which has no annual fee or required credit check.

One significant drawback to many online-only bank accounts is that they have no way to accept cash deposits. But GO2bank accepts cash deposits at over 90,000 Green Dot locations nationwide. However, participating retailers may charge you a fee. 

If you direct deposit over $500, your monthly maintenance fee of $5.00 is waived. And, they offer a pretty sweet overdraft protection program, but it has a gotcha charge of $15 if you don’t replace the funds within 24 hours.

Account-holders will appreciate the ability to budget their money with the help of a mobile app, budgeting tools, and a savings vault. In fact, they pay 1% on all money in the saving vault up to $5,000.

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Go Further from GTE Financial helps put you on the path to a better checking account. If you don’t qualify for a traditional account, GTE’s Go Further account will help you get there in as little as 12 months. We consider this a low-cost second chance checking. As long as you make a total deposit of $500 for the month, opt to receive eStatements and make 15 monthly transactions, the $9.95 maintenance fee is waived.

GTE Financial is one of the largest credit unions in the US. Membership is open to anyone through easy requirements and an online application process. The Go Further account includes:

• Free EMV-equipped debit card with built-in rewards
• Online and mobile banking tools
• Free bill pay service
• Easy money transfers through the Popmoney service

Although there are no physical branches in Georgia, all of your banking can be easily done online, by phone, or through the mobile app. You’ll find 30,000 surcharge-free ATMs across the US.

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Health Center Credit Union understands that managing money can be difficult. Their Fresh Start Checking account requires no minimum balance and offers free e-Statements. All you need is $10 to open an account and $10 each month to maintain the account.

Membership in HCCU is open to all persons associated with Augusta University and the University Health Systems, medical and dental offices in greater Augusta, and the Richmond, Columbia, and Lincoln County school systems. You can also be eligible through a relationship with a current member.

Fresh Start Checking includes a Check Card and access to member discounts, financial tools, and money management education. Visit one of their seven branches located in Augusta and Evans to apply for an account!

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We like Heritage Bank because they do not use ChexSystems, Telecheck, EWS, or a credit report when you apply for an account. Instead, all that is required is a valid form of government-issued ID.

Out of their several checking options, Quest Checking is a simple, no-fuss account. You’ll gain access to easy account management tools and receive free eStatements. If you’d rather have an account with more perks and a low monthly fee, Select Checking can be an alternative option.

To get started at Heritage Bank, visit one of their many branches spread across eastern Georgia. Blackshear, Brunswick, Homerville, and Jesup are just a few examples of where you can go to open an account.

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If you’ve had trouble opening a checking account, Interstate Credit Union can help you build a new banking relationship with Renew Checking. You’ll receive all the traditional checking perks, including:

• A Visa debit card
• Internet banking access and bill pay
• Online statements and notices
• Easy mobile banking
• Telephone banking access
• Optional direct deposit

Because ICU wants you to succeed, they provide you with complimentary financial counseling, budgeting services, and money-management tools through the Balance Financial Fitness Program. If you sign up with direct deposit, your monthly fee of $10 is reduced to $7.

With 5 branches in Georgia, ICU serves those who live, work, worship or attend school in Appling, Bacon, Glynn, Jeff Davis, Liberty, Long, McIntosh, Pierce, Tattnall, and Wayne Counties.

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LendingClub Banking, formerly Radius Bank, has a second chance checking account called Essential Checking. It’s an FDIC-insured checking account designed to help you manage your money with powerful technology and limited fees. Available to residents in all 50 states.

• Free MasterCard® debit card
• Free mobile banking with check deposit
• Free online banking with bill pay
• $10 minimum deposit to open account
• Monthly service charge of $9.00
• No minimum balance
• Ability to upgrade account after 12 months of responsible banking

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Lili was custom made for freelancers and independent contractors who are operating as sole proprietors and single member LLCs and we really like their offering. Lili aims to approve most accounts within 2-3 days, but some accounts are approved in 2-3 hours.

Lili offers a checking account and Visa debit card with no initial deposit or minimum balance requirement, no hidden fees, no credit check, and no ChexSystems. Lili makes getting your account easy! Here’s more of what we like:

• FREE business VISA debit card
• FREE (and very user-friendly) mobile app
• NO minimum balance
• NO NSF charges or fees
• NO credit check or ChexSystems
• Receive direct deposit funds 2 days earlier than many banks
• Mobile check deposit
• Unlimited fee-free transactions
• Takes 3 minutes to apply

Integrated Tools

The Lili smartphone app gives you access to tools to manage your expenses and taxes. You assign a category for each expense by swiping left for “life” or personal expenses and right for “work” or business. You can also add receipts to transactions, download quarterly and annual expense reports, and track spending in real-time. Lili will automatically assign an expense category based on the merchant, but allows you to edit the category as needed.

Buckets

Lili has an optional feature called “buckets” that allows you to set aside money in a savings account. The first of these is called a “Tax Bucket”, where you specify a percentage of your direct deposits you want to be saved for future tax payments. You can easily make adjustments and changes along the way and move the money back and forth from your checking account and tax bucket savings account. That way, you know the money will be there when you need to make tax payments.

The second of these buckets is called the Emergency Savings Bucket. You can automatically transfer at least $1 a day to this savings account to use for any larger purchase or unforeseen expense.

Robust for Most

Lili is best for small business owners who want a no-frills, no cost, no minimum balance bank account. You can run all your business and personal expenses through the account and can easily identify and separate them out for accounting and tax purposes. After your account is set up, you can add a business name or DBA name to the account. And you manage everything from the touch of your smartphone.

But there are some limits, too. Lili doesn’t offer checks and you can’t set up your account with an employer identification number. Depositing cash at Green Dot locations can cost up to $4.95 and mobile check deposits are limited to $6,000 per month.

Lili Pro

Lili recently announced a new set of features called Lili Pro. The cost is $4.99 per month and includes a no-fee overdraft up to $200 on debit card purchases and a robust and unlimited invoicing capability built into the smartphone app. On top of that, users receive 1.00% APY on savings account balances and a more robust expense tracking capability. The Pro version also offers cashback when you make purchases at over 14,000 merchants. If you’re not sure you want to sign up for Lili Pro, get Lili Standard (no cost) and you can upgrade later.

Application Process

You can set up an account online. If you’re a freelancer, you should receive approval and account access almost instantly. If you’re a sole proprietor or single-member LLC, approval can take a couple of days. You can fund your account using a mobile check deposit, direct deposit, ACH transfer, or by linking your Venmo, PayPal, or Cash App account.

Lili is open for business. Anyone who is their own boss: a sole proprietor, gigsters (ie. Uber and Lyft drivers), contractors, freelancers, or part-time entrepreneurs – you all qualify! Whether you opt for the fee-free Lili Standard account or the upgraded Lili Pro account, we think you’re going to like the way Lili helps you manage your growing business!

Open a Lili account now!

Market USA Federal Credit Union offers a second chance to those that have experienced checking difficulties in the past. Their Fresh Start Checking is an excellent option for anyone who wants to rebuild a positive checking history while enjoying some of the benefits of a traditional checking account.

It’s important to note that direct deposit is required with this account. There are no minimum balance requirements, no monthly service fees, and a free Visa check card that is included. We like this account because it allows you to upgrade to a traditional checking account after only six months of good standing! With Fresh Start Checking, you can improve your financial standing quicker than other second chance accounts out there.

All Georgia residents are eligible to become a member at Market USA FCU. Once you’re approved, all that is required is a $5 deposit into a savings account to establish membership. They primarily focus on remote banking services and do not currently have any branches in the state. The closest branch can be found in Greenville, South Carolina.

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Another Chance Checking through Members United Credit Union helps you repair your poor checking history. We like the low monthly fee of only $5. Free telephone banking, online banking and bill pay helps you stay in control of your money. You can also access your accounts through a convenient mobile banking app.

All you need to join MUCU is a $5 membership fee. There are several ways to qualify for membership, including residency, relationships and employment. You must apply in person at one of the branch locations in Albany, Columbus or Leesburg.

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MyGeorgia Credit Union offers extra assistance to those who are looking to rebuild their financial reputation with Secured Checking. We like this account because it allows you to upgrade to a traditional checking account after only six months of proper management.

It’s important to note that in addition to a $10 monthly service charge, Secured Checking requires that you deposit $100 in your savings account that is placed on hold during your 6-month probationary period. Also, overdraft protection is not available on this account, but can be available once you upgrade.

MyGeorgia CU extends membership to anyone with ties to one of eight Georgia counties. Family members of current members are also eligible to join. Visit their website or one of their branches located in Gainesville, Flowery Branch, Clarkesville, Homer, Clayton, or Cleveland to get started!

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No matter your banking past, Navy Federal Credit Union offers traditional checking for all members in Georgia and across the US. With no review requirements of your banking history, NFCU is an excellent choice for active duty or retired US military, family members and government contractors. There are two banking choices to choose from: Active Duty Checking and Free eChecking.

Both account options come with a free NFCU debit card. There is no monthly service fee with direct deposit. Your account is protected from overdrafts with free savings transfers, a checking line of credit or an optional overdraft protection service. You also receive:

• Free mobile deposits
• Free bill pay
• Free traditional name-only checks
• Dividends credited monthly

You can apply online or in person at one of Navy Federal’s branch locations in Georgia.

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At North Georgia Credit Union, they utilize an Equifax credit report in lieu of ChexSystems when members apply for a checking account. The account doesn’t have a minimum balance requirement or monthly service fee. You’ll also gain access to free bill pay, free eStatements, and possibly even overdraft protection upon approval.

Membership at North Georgia CU is extended to anyone who lives or works in Stephens, Franklin, Hart, and Rabun Counties. They also accept employees from a huge list of eligible employers. To become a member, you will need to deposit $25 into a savings account and maintain that balance at all times. They also charge a one-time fee of $5.

If you have any questions or would like to apply for membership in person, visit one of their branches in Toccoa, Hartwell, or Lavonia.

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One of the most important steps to taking your business to the next level is the need to set up a business bank account. And if you get the right business account, it can give your growing business all the tools much larger businesses enjoy… without all the big business costs.

Novo understands small business owners and makes it easy to open and manage an account. As an online-only bank, you’ll find Novo strikes the right balance between technology, human touch, and real-world benefits. Here are some of our favorite features for Novo Business Checking:

• NO monthly fees
• NO minimum balance requirement
• NO ATM fees
• NO credit check or ChexSystems
• FREE Mastercard debit card
• FREE mobile app
• FREE transfers, mailed checks, and incoming wires
• FREE invoicing to create, send, and track invoices
• FREE mobile check deposit

Business Banking Made Easy

There are no monthly fees, no minimum balance requirements, no incoming wire fees, and no transaction fees with Novo. Novo even refunds all ATM fees. You’ll never be charged for incoming or outgoing ACH transfers, debit card replacements, paper statements, or stop payments.

If you’d like, Novo will send free paper checks for your use. You can also use the app to have checks mailed out. The gotcha with paper checks is that if you don’t have enough money to cover the check, Novo will charge a fee of $27 for insufficient funds. And if you deposit a check from a customer that doesn’t clear, you’ll get whacked for $27.

Novo doesn’t allow you to deposit cash. Instead, you’ll have to use vendors such as USPS, Walmart, and grocery stores to exchange your cash for a money order. Then you can use the mobile check deposit feature to deposit the money order. Novo may not be the right business account for you if your business deals with a lot of cash.

Business Tools

You can manage your account from your computer or the Novo smartphone app. This allows you to avoid the hassle of visiting a physical bank. And the Novo Reserves budgeting tool allows you to set aside funds in your checking account for expenses such as payroll or taxes.

We especially like their fully integrated invoicing feature which allows freelancers and contractors to send and manage unlimited invoices. You can make payments by ACH transfer and if you are using the Novo Stripe integration you can accept payments through your Stripe account.

Novo seamlessly integrates with popular business tools such as Stripe, Shopify, Zapier, Quickbooks, and Xero. You can also connect Square, Wave, PayPal, Venmo, Apple Pay and Google Pay.

Discounts

Novo has a program called Novo Perks that gives you perks on wide range of business software and services such as Stripe, Quickbooks, Gusto, Google, Hubspot, Booking.com, and many more. For example, you can get $20,000 in fee-free credit card processing with Stripe.

Application Process

It takes about 10 minutes to sign up for a Novo account. You’ll need personal and business information, which may include a social security number, business tax ID, and business formation documents. They do not check your credit or use ChexSystems.

Novo is growing quickly. Their offering is popular with small business owners. The account approval process is currently taking 1-2 business days and once you’re approved, you can get full access to your account with a simple $50 deposit.

We like Novo. We think you’ll like it, too.

Open an account today!

OneSouth Bank provides you with the chance to move forward. Their Opportunity Checking is designed for those who have been denied traditional checking privileges. With a $100 minimum deposit, you will be on your way to a positive banking relationship.

You’ll find managing your money is easy with online and mobile banking. OneSouth offers account balancing assistance to all account holders. With a moderate $15 monthly service fee, you’ll receive a OneSouth Bank ATM/debit card, which can be used to make ATM withdrawals and purchases anywhere Visa or MasterCard is accepted.

OneSouth Bank has locations in Blakely, Lawson, and Macon.

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If you are looking for a great banking relationship, Peach State Federal Credit Union is one of our top picks. Fresh Start Checking gives you the opportunity to rebuild your ChexSystems record and move forward. After 12 months with PSFCU, you request an upgrade to a Basic, or even Premium, checking account.

It costs $10 in one-time fees to join PSFCU. You’ll also be required to pay a $9 monthly account fee. In return, you receive a debit card, full digital services, and access to financial planning and money management tools.

You must apply in person at one of the 19 branch locations in Georgia. Membership is open to specific employee groups, boards of education, and various associations. You are also eligible if you live, work, worship, or attend school in Chattooga, Clarke, Habersham or Richmond counties.

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Even if you have a negative ChexSystem history, Renasant Bank offers you conventional checking options. As long as you don’t have an account in bad standing with Renasant, you can choose from several checking accounts. We recommend Renasant Checking if you’re looking for a straightforward account with no strings attached.

One of the convenient features of Renasant Checking is the ability to use Renasant’s Mobile Wallet with Zelle, Apple Pay, and Google Pay options. If you opt to receive eStatements instead of traditional paper statements, your monthly fee of $10 is waived. Renasant Bank checking accounts come with:

• Online banking with online bill pay
• Mobile banking app access
• Renasant Debit Mastercard
• Unlimited check writing

Renasant Bank branch locations can be found throughout the state of Georgia in cities like Reidsville, Macon, Atlanta, and many others.

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Rochelle State Bank does not use ChexSystems, Telecheck, EWS, or a credit report to screen new checking account applicants. All they require is a government-issued ID. Among their several different checking options, we recommend the Regular Checking account.

Regular Checking requires a steep $100 opening deposit, but has a low monthly service fee of $5. You can waive the fee altogether if you maintain a daily balance of $500 or more each month. It’s also important to note that if your balance is less than $500, a per debit fee of $.10 will be charged to your account after the first ten debit transactions each month.

As the name would suggest, Rochelle Bank only has one location in Rochelle. Although their internet presence is somewhat limited, the fact that they only require proper ID is awesome.

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Synovus will approve your checking account application by looking at your credit report instead of ChexSystems. Their friendly account specialists can help guide your checking account choice, but we recommend their Free Checking account as a good starting point to rebuilding your checking history.

With Synovus, you receive full access to your accounts through newly designed online experiences and an easy-to-use mobile app. All Synovus personal checking accounts come with:

• Free unlimited ATM transactions at Synovus and Publix Presto! ATMs
• Free Visa debit card with no annual fee
• Apple Pay, Google Pay, and Samsung Pay compatibility
• Overdraft protection options

You can apply online or in person. Synovus has branch locations in Byron, Warner Robins, and Perry.

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The Wright Credit Union offers 2nd Chance Checking to members who truly need a fresh start. Managing your money is easy through online banking and a 24-hour telephone system. You have the ability to check your balances, transfer funds and more with secure access to your account. 2nd Chance Checking also comes with a free Visa debit card.

Membership in The Wright CU is open to anyone who lives or works in Stephens County. You are also eligible if you are an employee or former employee of select work groups. Membership includes a full line of free or discounted financial products and dependable service.

Visit their website or main office in Toccoa if The Wright CU sounds like the right option for you!

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For those that have been denied a checking account due to their record with ChexSystems, UNIFY Financial Credit Union has a solution. The Right Start Checking account requires a $25 initial deposit and is perfect for anyone trying to reestablish themselves financially with an all-purpose checking account.

This second chance checking account offers many of the benefits of a traditional checking account with unlimited check writing, overdraft protection, and online access to your account from anywhere. This bank won’t turn you down due to minor marks on ChexSystems and is the perfect solution for anyone in need of a fresh start.

Unfortunately, UNIFY FCU only has one branch in Georgia located in Augusta. However, they are in-network with several co-op shared branches where you’re able to make payments, transfers, check deposits, etc. These branches can be found in McRae, Dublin, and Swainsboro.

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If you don’t need a physical bank branch, we recommend Varo Bank. This online bank keeps the banking process simple. You have no minimum balance, and there is no minimum opening deposit requirement. As an online bank, Varo keeps your costs low. You won’t pay monthly maintenance fees, transfer fees or other traditional banking fees.

With 55,000 Allpoint ATMs, your money is always easily accessible. The easy-to-navigate mobile app keeps you up-to-date on all transactions and balances. As an added bonus, you have access to budgeting tools, automatic savings programs, and early direct deposit.

Varo understands that banking mistakes happen. They do not use ChexSystems or credit reports to determine your eligibility.

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Washington Savings Bank gets you back into checking with Online Rewards Checking. There are no minimum balance requirements for this full service checking account. With Online Rewards, you aren’t limited to only a debit card. You have full check writing privileges.

You’ll want to use your free debit card on a regular basis to earn up to $20 back in rewards every month. After a year of good management, the $14.95 monthly service fee disappears.

Free digital banking services keep you in touch with your account balance at all times. You can apply for Online Rewards Checking online with a $10 minimum opening deposit. You must have a banking background free of criminal activity and a limited charge-off history of $2,000 or less. Direct deposit is required.

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Wells Fargo recently changed the Opportunity Checking account to Clear Access Banking. And we like one change, in particular. Wells Fargo has done away with overdraft and non-sufficient funds (NSF) fees. Clear Access Banking is a debit card-only account (no paper checks available) and if you attempt to purchase something without sufficient funds, the transaction will be denied. That’s a lot better than having the transaction approved and then discovering you’ve been hit with a $35 overdraft fee.

There is a $5 monthly fee, but that is be waived for account holders 24 years old and younger. This account is available to residents in all 50 states.

• The largest number of branches in the U.S.
• Minimum deposit of $25 to open an account
• Online bill pay and smartphone app
• Mobile check deposit
• Includes a Visa debit card
• Send and receive money through Zelle
• Additional features include account alerts, 24/7 fraud monitoring, and zero liability protection for your debit card

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Woodforest National Bank’s Second Chance Checking is designed for those with previous banking account challenges. With a minimum initial deposit of only $25 and a $9 one-time account fee, you can begin to build a positive banking relationship.

You can lower your Second Chance monthly maintenance fee from $11.95 to $9.95 by setting up monthly direct deposit. Woodforest offers:

• Online banking
• A mobile banking app
• Woodforest Debit Card
• Overdraft solutions
• Free platinum debit card

All services are easily managed online or in-person at branches in Walmart Supercenters across the US. Woodforest National Bank has locations spread across northwestern Georgia in and around Atlanta.

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