Second Chance Banking in Indiana

U.S. Bank is the fifth largest bank in the country with the majority of its 2,000+ branches located in 26 states mostly located in the west and midwest.

You can earn up to $450 when you open a new U.S. Bank Smartly® Checking account and a Standard Savings account online and complete qualifying activities. The offer is subject to certain terms and limitations and is valid through November 30, 2023. Member FDIC.

U.S. Bank Smartly® Checking at a Glance

• A U.S. Bank Visa debit card
• Online banking and bill pay
• Mobile banking with mobile check deposit
• Send money with Zelle®
• Access to U.S. Bank Smart Rewards® to reap additional benefits
• No NSF charges for overdraft balances under $50
• No fees at U.S. Bank ATMs
• No surcharge fees at 40,000 MoneyPass ATMs
• Member FDIC

States Where U.S. Bank is Available

If you live in one of the following 26 states where this account is available, you can apply online: AR, AZ, CA, CO, IA, ID, IL, IN, KS, KY, MN, MO, MT, NC, ND, NE, NM, NV, OH, OR, SD, TN, UT, WA, WI, WY.

Account Details and Costs

To get an account, you’ll need to make an opening deposit of $25. The monthly service fee is $6.95 but can be waived if you maintain a minimum balance of $1,500 or by having a combined monthly direct deposit totaling $1,000. You can also avoid the monthly fee if you are 24 and under, 65 and over, or a member of the military (must self-disclose) or qualify for one of the four Smart Rewards® tiers (Primary, Plus, Premium, or Pinnacle).

Banking Made Easy

The U.S. Bank Smartly® Checking account comes with one of the best mobile apps on the market. Over one million customers have given the app an overall rating of five stars. You can manage your entire account from a computer or your smartphone.

U.S. Bank repeatedly makes the list of one of the best banks in the country.

Get a U.S. Bank Account Today!

Most people know Chase and with over 15,000 ATMs and 4,700 branches across the country, the Chase Secure Banking account might be a good fit for a second chance bank account.

Chase Secure Banking at a Glance

• NO credit check
• NO ChexSystems
• NO minimum deposit to open
• NO overdraft fees
• FREE access to over 15,000 Chase ATMs
• FREE Chase Online Bill Pay
• FREE money orders and cashier’s checks

What to Know About the Approval Process

Opening the Chase Secure Banking account has some important qualifiers. First, Chase verifies your name, address, and social security through Experian, but doesn’t pull a credit report or credit score. Chase doesn’t use ChexSystems for this account, but the bank does use Early Warning Services (EWS). Additionally, if you’ve had an account closed by Chase in the past, your application will not be approved. Past account closures can include missteps such as non-payment of fees, excessive overdrafts, or suspected fraud.

Finally, Chase gives you the opportunity to open your new account online or by taking a printable coupon to a branch location. We strongly recommend you apply online as branch locations have been known to use ChexSystems during the approval process.

Fees

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. You should also know that using non-Chase ATMs can cost from $3.00 to $5.00 per transaction.

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.

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 Account Now!

Current offers an innovative account to consumers who want it all without the costs and hassles.

The Current Build account works just like a checking account but also helps you build credit every time you use the card. Sign-up takes about 2 minutes and Current has extremely high acceptance rates.

Current at a Glance

• NO credit check
• NO minimum balance
• NO deposit required to open an account
• 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% APY on your balance up to $6,000 with direct deposit; earn 0.25% APY without
• Earn points for unlimited cashback at participating retailers
• Send money instantly for free
• An elegant but simple smartphone app
• 24/7 member support
• FDIC insured account up to $250,000

Swipe The Card and Build Credit

Using your Current Build account to BUILD your credit is simple. Here’s how it works:

1. You add money to your account
2. Swipe your card to make purchases, pay bills, or get money from an ATM machine
3. The funds in your account pay for these transactions
4. Current reports your payment to build your credit history

Current Works Hard for You

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 your 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 Build card will immediately refund the hold so you have access to all your funds. We haven’t found that benefit anywhere in the marketplace.

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!

Fast-growing Chime® is one of our favorite checking accounts. The account has some amazing features and 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.

Chime at a Glance

• NO credit check or ChexSystems
• NO initial deposit required
• NO minimum balance required
• NO monthly or annual fees
• NO NSF/overdraft fees¹
• NO foreign transaction fees
• NO fees at over 60,000 ATMs²
• NO fees for mobile and online bill pay
• FREE cash deposits at 8,500+ Walgreens
• Get your paycheck up to 2 days early with direct deposit³
• FDIC insured account up to $250,000

Deposit Cash for FREE at Over 8,500 Walgreens

Chime has made depositing cash 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.⁴

Instantly Transfer Funds

You can transfer funds to friends and family, Chime members or not… and they can claim their money instantly⁵ 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 400,000 customers have given the app a 5-star review.

Savings Made Easy

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 2.00% Annual Percentage Yield (APY)⁶ in interest on that savings account.

Customers First

If you use direct deposit with your Chime account, you can get your paycheck up to 2 days early⁷. And Chime is just saying no to big bank NSF charges with a fee-free overdraft program up to $200.

We don’t think there is another company innovating for their customers like Chime.

Get a Chime Account Today!

The SoFi Checking & Savings account is offered by SoFi Bank. It’s a checking AND savings account and we love that. Plus, they don’t use ChexSystems or your credit report 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. You don’t need to make an opening deposit to get an account and SoFi never charges monthly maintenance fees. You’ll have access to a large and fee-free ATM network along with a generous cashback program.

Using the SoFi direct deposit option unlocks additional benefits. First, if you overspend a bit, SoFi will cover up to $50 with no overdraft fees. Second, you’ll receive a much higher interest amount of 4.60% APY on savings account balances and .50% APY on checking account balances.

If you decide not to utilize direct deposit, you’ll receive 1.20% APY on savings balances. And finally, when you set up direct deposit from an employer, SoFi will credit your account up to $275 (depending on the amount of your direct deposit).

The sign-up process can take less than 60 seconds. With over 6 million members, SoFi is a bank you can count on!

SoFi 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 seems to be the perfect bank.

Claire M., SoFi Customer

Get a SoFi Account Now!

NorthOne is a fast-growing company built specifically around business banking solutions for freelancers, entrepreneurs, and small business owners. In addition to 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 40,000 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.

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.

Open a NorthOne Account Today!

KeyBank’s Key Smart Checking® is a no monthly maintenance fee checking account that offers access to 1,000 branch locations and 40,000+ ATMs fee-free. KeyBank has a popular smartphone app with strong customer ratings on both Apple and Android devices. The account is FDIC insured.

Earn a $200 Cash Bonus

When you open a new Key Smart Checking® account before December 8, 2023 and make one direct deposit of at least $500 within the first 60 days of account opening, you’ll receive a $200 bonus deposited directly to your account within 90 days of meeting requirements. Your account must not be closed or restricted during the time of the promotional period. There is a $10 minimum deposit to open an account, but no monthly minimum balance requirement.

A Smartphone App Built for You

The app allows you to set custom alerts, lock or unlock your debit card, deposit checks, and much more:

• Easily send or receive money through Zelle®
• Mobile payments with Apple Pay, Samsung Pay, and Google Pay
• View and download up to 7 years of statements
• Never miss a payment with online bill pay
• Sign on with fingerprint or face ID
• Locate branch or ATM locations
• Order paper checks

EasyUp Makes Savings a Snap

Once you’ve opened your Key Smart Checking® account, you can add a free Key Active Saver savings account. EasyUp is a free feature that allows you to automatically save an amount that works for you – from 10¢ to $5 – every time you make a debit card purchase. Send it directly to your KeyBank savings account and let it grow, or to a company to pay down debt faster. The choice is yours, and you can change it anytime.

Our Verdict

While the Key Smart Checking® account is our favorite, the bank offers additional checking accounts that may more closely fit your needs. Best of all, you can get an account today!

Get a KeyBank Account Now!

Individuals who work for, are a member of, or volunteer at a 3Rivers Partner are eligible for their Onward Checking account. Requiring no minimum balance and a small $8 monthly maintenance fee, this account has been crafted for those looking to get back on their feet after financial hardship.

Your Onward Checking account includes the following benefits:

• Free access to over 35,000 ATMs
• Bill pay services
• Online and mobile banking access
• Free debit card

To open an account, visit one of the numerous locations in and around the Fort Wayne area or submit an application on their website.

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For a local option, check out AAA Federal Credit Union’s Fresh Start Program. This program caters to those who want an opportunity to re-establish their credit profiles and still enjoy the basics of a traditional bank account.

Fresh Start Checking comes with a debit or ATM card and has a moderate monthly service fee of $10. In return, you gain access to online and telephone banking, as well as direct deposit services. The Fresh Start Program also includes loan options to those who normally wouldn’t qualify.

To be eligible for membership at AAA FCU, you must live, work, attend school, worship, or volunteer in St. Joseph County. You can also join if you have an immediate family member who is already a member. Visit their website or one of their locations in South Bend or Mishawaka to get started!

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Acorns offers some strong 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 you get both a checking and savings account. 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 access to 55,000+ fee-free ATMs
• NO minimum balance or overdraft fees
• NO credit check
• $3 monthly fee
• FDIC insured

Acorns was built to give everyone the tools to manage their finances which makes it one of our top picks.

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Ally Bank has been one of the most highly rated online banks for the past several years. It’s not because they have the most features, but because they consistently make their customers delighted with the features the bank offers.

For starters, there’s no minimum opening deposit required. Ally doesn’t charge any monthly maintenance fee and there is no overdraft fee (more on that below). You’ll have access to 43,000+ ATMs and Ally will reimburse you up to $10 per statement cycle if you get charged for using another institution’s machine.

You’ll become eligible for Ally’s overdraft program called CoverDraft 30 days after depositing a total of $100. Ally will activate CoverDraft automatically and send you an email when they do. You can turn CoverDraft off at any time, as long as your account balance isn’t negative. Otherwise, Ally will decline the transaction without payment. In either case, you won’t be charged an overdraft fee.

We like that you can use Zelle to send and receive money, get paid up to 2 days sooner with early direct deposit, and deposit checks remotely with Ally eCheck Deposit. We also like that Ally has high approval rates as long as you don’t have a ChexSystems or EWS fraud alert in your past.

To get the bonus, use code GET200 by Nov. 30, 2023. Make sure to fund your account within 30 days of opening it and set up one or more direct deposits totaling $1,500 within 90 days. Ally will send your bonus within 30 days of your account receiving $1,500 in qualified direct deposits.

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For those who have had a rocky financial past, the Restart Checking account with Banterra is the perfect option to restore your financial relationship. Requiring only a $50 opening deposit along with a $6.95 monthly maintenance fee with a qualifying direct deposit, this account is a wise option for many.

In order to open an account, simply visit one of the three locations in Evansville or the single location in Newburgh. Many features come with your Restart Checking account including:

• Unlimited ATM transactions
• Free e-statements
• Online and mobile banking access
• Free Visa debit card
• Potential account upgrades after establishing a good financial history

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Individuals who reside in a vast majority of Central and Southern Indiana counties are eligible to apply for a Opportunity Checking account with Centra Credit Union. This account has been created for those looking to rebuild their financial record. A new savings account with a $5 deposit is all that is required to get started. Once opened, your Opportunity Checking account will have just a $5 monthly maintenance fee with a qualifying direct deposit.

To get started visit one of their locations in Indianapolis, Columbus, Scottsburg, and many other cities to get open an account. Your new Opportunity Checking account includes:

• A MasterCard debit card with theft protection
• Free e-statements
• Online banking access
• Unlimited check writing

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Instead of looking at a ChexSystems report, CommunityWide Federal Credit Union will refer to a credit report to determine eligibility. As long as there aren’t too many negative entries, you should be good to go!

We recommend checking out their CW Checking account if you’re looking for an account that’s easy to manage and loaded with nice benefits. In addition to a free Visa debit card and ID Protect services, you will also get to earn dividends on any balance greater than $1. All that is needed to get started is a $15 opening deposit.

CommunityWide FCU has branches located in northern Indiana in South Bend, Mishawaka, Granger, Elkhart, Plymouth, Goshen, and Warsaw. Anyone can become a member at this credit union by meeting a few requirements or donating to one of their non-profits. Stop by a branch or visit their website to apply!

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Like David slaying Goliath, Dave is taking on big banks and their predatory ways. The Dave checking account is a mobile-centric bank account that doesn’t use ChexSystems or your credit score for account approval.

The only fee Dave charges for the account is a $1 monthly maintenance fee. There are no monthly minimum balance requirements, no overdraft fees, and no fees at over 40,000 MoneyPass® ATMs in 7-Eleven and other spots near you. There’s no opening deposit requirement to get your Dave account either.

If you opt for direct deposit and get paid on a regular basis, Dave will spot you up to $250 if your balance isn’t enough to cover an incoming charge. That feature won’t cost you any fees or interest charges.

Just like a savings account, you can set aside money in “Dave Goals” for any special purpose such as a vacation or car purchase. While you work toward your savings goal, Dave will pay 4.00% APY on your money.

Finally, Dave has partnered with a number of businesses around the country to help accountholders find side gigs. This is a unique feature we’ve not seen with any other checking account. You can find work when you need it, right from the Dave app. Between instant-pay surveys and easy-apply side hustles, there are thousands of ways to get paid.

We like the robust Dave smartphone app. Customers like the app, too. Dave is rated 4.8 out of 5 stars in the Apple store and 4.4 out of 5 stars in the Google Play store.

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Individuals who live, work, worship, or attend school in Vanderburgh and Warrick Counties are eligible for a Fresh Start Checking account with Diamond Valley Federal Credit Union. This account is ideal for those that have been previously been turned down due to credit problems.

To get started, a minimum deposit of $25 is required along with a recurring $10 monthly maintenance fee. With your Fresh Start Checking account, you’ll have the following benefits:

• Free bill pay
• Free e-statements
• Online and mobile banking
• Free Visa check card

Diamond Valley Federal Credit Union has five branches in Evansville and a singular branch in Newburgh for your convenience.

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No. Fees. Period. That’s how Discover Bank promotes its Cashback Debit Checking Account. And, after conducting our research, we can say that’s mostly true. In fact, the only fees you’ll ever incur are for outgoing wire transfers and service charge fees if you use a non-Discover ATM if it is not part of the 60,000+ ATMs in their no-fee network.

As long as there are no past incidences of fraud on your ChexSystems report, Discover might be a great account for you. The only negative? There is no way to deposit cash directly into the account.

Discover Bank® Cashback Debit Checking Account at a Glance

• 1% cash back on up to $3,000 in debit card purchases each month
• Access to 60,000+ fee-free ATMs; $510 cash withdrawal limit per day
• Fee-free opt-in overdraft protection transfer service
• Get paid up to 2 days early with direct deposit
• Send and receive money with Zelle®
• No monthly fee (no balance or activity requirements)
• No fee for insufficient funds
• Mobile check deposits
• No deposit to open

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If you have past checking account problems, Evansville Teachers Federal Credit Union’s Opportunity Checking offers you a second chance. This simple checking account has a low monthly fee of $7.50. After 12 months of good banking habits, you are eligible to move into a free Debit Rewards Checking account.

With Opportunity Checking, you have the choice of either an ATM or a debit card. You receive:

• Free online banking and bill pay
• Direct deposit
• No minimum balance requirements
• Standard checking fees for non-sufficient funds
• Access to overdraft protection upon application
• Up to 10 free ATM withdrawals each month

Visit one of their locations in Evansville, Mt. Vernon, Newburgh, Princeton, and several other cities to get started. You can apply for membership online or in person. You don’t have to be a teacher to join, ETFCU has thousands of ways to be eligible.

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Fifth Third Bank offers easy checking accounts to anyone without a history of fraud or a debt owed to the bank.

You have a choice of multiple checking options with Fifth Third. Their Momentum Checking account is one of their best accounts for those looking to rebuild their banking relationship. With no minimum deposit and no minimum balance required, banking is simple.

The contactless debit MasterCard offered by Fifth Third makes transactions fast and safe. You can also safely track your purchase online or through the mobile app.

Fifth Third at a Glance

• Mobile alerts for transactions
• Easy Deposits program
• Access to more than 50,000 fee-free ATMs nationwide
• Online and mobile statements

Fifth Third has more than 100 branch locations in Indiana. You can find them in Bloomington, Evansville, Fort Wayne, Indianapolis, and dozens of other cities throughout the state. Visit a branch nearest you to get started!

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First Financial Bank’s NoWorry Checking account offers a fresh start regardless of your checking history. There is a $25 minimum opening deposit, as well as a $10 monthly service charge. If you complete one of their approved financial education courses, the monthly service fee is discounted to only $5.

You’ll receive a debit card along with free ATM access and you even get a free gift when you open at a banking center. There are also plenty of digital features, including mobile deposits and online and mobile banking.

First Financial Bank offers locations throughout Indiana, including Indianapolis, Columbus, Greensburg, and several other cities for your convenience.

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First Trust Credit Union is a non-ChexSystems bank that uses a credit report to determine if an applicant is eligible for a checking account. If you’re looking for an account with a fair amount of benefits and no pesky fees, look no further than their FREE Checking.

Like the name would suggest, FREE Checking has no monthly service charges or minimum balance requirements. The account comes with a free Visa debit card, access to online banking, and direct deposit services. There is no minimum deposit required to open the account, but you will need to deposit $25 into a savings account when you first join the credit union.

First Trust CU offers membership to anyone who lives or works in LaPorte, Porter, Jasper, Newton, or Pulaski Counties. You are also eligible to join if you work for one of their select community partners or have family that are already members. Visit one of their branches in Michigan City, LaPorte, Valparaiso, or Wheatfield to get started!

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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 secured credit card, which has no annual fee and no 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 4.50% on all money in the savings 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, the 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

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A Fresh Start Checking account with Horizon Bank is perfect for any individual looking to leave past checking account problems behind. With no minimum deposit and only a $5 monthly service charge, this account is a fantastic option.

To get started, simply visit one of their branches to open your account. With your new Fresh Start Checking account, you’ll have access to unlimited check writing, free e-statements, online and mobile banking, and free bill pay.

Horizon Bank has numerous locations throughout Indiana including Fort Wayne, Columbus, Indianapolis, and South Bend for your convenience.

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Kentland Bank only requires two forms of ID at the time of account opening. That means you won’t have to worry about what might be on your ChexSystems, Telecheck, EWS, or credit reports! Out of there several different account options, their Personal Checking account provides you with nice benefits while keeping costs low.

The low $6 monthly service charge can be waived in multiple different ways. The account comes with unlimited check writing, a debit card, and overdraft privileges if you qualify. It’s also important to note that a minimum deposit of $100 is required to open the account.

Kentland Bank has several locations in Kentland, Lafayette, Lake Village, Rensselaer, and DeMotte. Visit the branch nearest you to apply for an account!

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Liberty Federal Credit Union’s Opportunity Checking account offers you a second chance to prove you can manage a checking account. We like this account because you’re able to upgrade to a fee-free checking account after 12 consecutive months of good standing.

With Opportunity Checking you will receive an ATM or debit card depending on what you qualify for. You can make up to 10 free ATM withdrawals a month, plus, Liberty Federal will never charge you additional fees for using another bank’s ATM. You can also link your account with direct deposit, online banking, overdraft protection, and bill pay.

There’s a $7.50 service fee for this account and no minbimum balance requirement. To learn more about this account, visit their website or visit one of their 12 Indiana locations in Evansville, Newburgh, Mt. Vernon, Fort Branch, and several other cities.

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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!

Lili at a Glance

• 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
• NO fees for incoming wire transfers
• Receive direct deposit funds 2 days earlier than many banks
• Mobile check deposit
• Unlimited fee-free transactions
• Takes 3 minutes to apply

Application Process

You can set up an account online. If you’re a freelancer, you should receive approval and account access almost instantly. All others (Sole Proprietor, Single-Member LLC, Multi-Member LLC, General Partnership, Limited Liability Partnership, or S Corp) can take a couple of days to get approved. You can fund your account using a mobile check deposit, direct deposit, ACH transfer, or by linking your Venmo, PayPal, or Cash App account.

Open a Lili account now!

If you only have a negative history with ChexSystems, Members Source Credit Union could be a viable option for you. They are a non-ChexSystems bank that offers a Personal Checking account for all of your daily spending needs.

Personal Checking requires a steep $100 opening deposit, but won’t charge you any monthly service fees. You will also earn interest on your balance that is credited and compounded monthly. Compared to the average checking account, Personal Checking at Members Source CU has a lot to offer!

They extend membership to anyone who lives or works in Lake, Porter, Jasper, or LaPorte Counties. You can apply for membership online or visit one of their branches in Merrillville, Griffith, Hammond, or Dyer to join!

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If you’ve had difficulties in the past with banks that use ChexSystems, MidWest America Federal Credit Union may be a viable option for you. Instead of ChexSystems, they use Telecheck when screening new applicants. If this sounds suitable to your situation, we recommend their Freedom Checking account.

With Freedom Checking you won’t need to worry about minimum balance requirements or per-check charges. If your average balance is more than $500 or you use your debit card five or more times each statement cycle, the monthly service fee will be waived. This account also offers overdraft protection and monthly eStatements.

MidWest America FCU extends membership to Select Employee Groups as well as those who live or work in the designated Allen County Investment Area or in Fort Wayne. You can also join if you have a relative that is already a member. Contact one of their several branches in the greater Fort Wayne area to see if you’re eligible!

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It’s a tall order to “Make People Happy” when it comes to banking, but that’s the stated mission behind mph.bank.

Powered by Liberty Savings Bank (established in 1889!), the mph.bank Fresh account does use ChexSystems, but as long as you don’t have more than 3 charge-offs totaling $1,000 or reports of fraud approval rates are very high. Fees for the account include a $9 monthly service fee and a $10 overdraft fee.

mph.bank Fresh Account at a Glance

• $0 initial deposit to open account
• Send and receive money with Zelle®
• Access your account with your phone or computer
• When coupled with a free savings account, earn up to 5.00% APY
• Optional ability to round up charges and stash the cash into savings
• Get paid up to 2 days early with direct deposit
• Access to over 55,000 fee-free ATMs

Apply for a Fresh Account Today!

No matter your banking past, Navy Federal Credit Union offers traditional checking for all members in Alabama 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

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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

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.

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The EZ Access Checking account with Old National Bank is a simplified checking account that skips the overdraft fees. Requiring a $10 minimum opening deposit and a recurring monthly service charge of $4.95, this account is perfect for those with past financial struggles.

To open an account, visit one of their branches to get started. Once opened, you’ll have the following benefits with your EZ Access Checking account: free e-statements, five free money orders each month, bill pay services, and a free Visa debit card.

Old National Bank has locations throughout cities in Indiana including Indianapolis, Fort Wayne, Terre Haute, and Evansville for easy access to your account.

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Individuals who live, work, worship, or attend school in Lake or Porter county are eligible for a First Step Checking account with Regional Federal Credit Union. Requiring a direct deposit to the account as well as a recurring $8 monthly maintenance fee, this account is perfect for those looking to rebuild a good financial standing.

To open your First Step Checking account, visit one of their locations to start the process. With your new account, you are granted access to a Visa debit card, mobile and online banking, and financial education tools.

Regional Federal Credit Union has two convenient locations in Valparaiso and one in Hammond for all your banking needs.

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If you are looking for a membership in a credit union focused on getting you back on your feet, we recommend Staley Credit Union. Their Renew Checking is a simple checking option designed to help you monitor your money. The CardValet service helps you to stay in touch with your money through account alerts and monitoring.

We also like that SCU offers Renew Checking customers easy overdraft protection. If you happen to be short on checking funds, SCU simply transfers funds from your savings account or your Staley Visa Credit Card to cover the overdraft.

You can open a Renew Checking account with a $50 minimum balance. There is a low $7 monthly maintenance fee. SCU checking accounts feature:

• A debit card with EMV chip technology
• Free access to Staley Online and Mobile Banking
• Free bill pay
• Access to over 30,000 fee-free ATMs

Visit Staley Credit Union’s website or their Indiana branch located in Lafayette to open your account and secure your financial future.

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Right Start Checking, provided by UNIFY Financial Credit Union, is a go-to option for people who have been denied membership of a traditional account due to a negative history with ChexSystems. Opening a Right Start Checking account, with an initial deposit of $25, will allow you to write as many checks as you need and overdraft protection up to $250.

This account has no monthly fees associated and allows for eBanking from any device, meaning you’ll have access to your funds anywhere in the world that you have service. Building a positive checking history has never been easier with this second chance bank account.

While UNIFY FCU only has one branch in Princeton, they are in-network with several co-op shared branches where you’re able to make payments, transfers, check deposits, ect. Some of these branches can be found in Indianapolis, Louisville, and Fort Wayne.

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Stated to be the perfect second chance account for those who have had past checking account issues, the New Day Checking account from United Fidelity Bank is a tremendous option.

This account simply requires a $25 minimum opening deposit and a recurring monthly service fee of $8 to get started. Once your account is opened, you’ll gain access to a Visa debit card after six consecutive months without an instance of insufficient funds. You’ll also have unlimited check writing, mobile and online banking in addition to free bill pay.

Open your account today at one of their easy-to-access branches in Evansville, Newburgh, Mount Vernon, Carmel, or Fort Branch.

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Varo Bank is another internet-only bank with services based on their mobile apps for Apple and Android devices. Varo doesn’t charge fees at 55,000+ Allpoint ATMs and offers strong budgeting tools and automatic savings programs.

Opening an account is easy and Varo doesn’t check your credit or use ChexSystems. Varo doesn’t even require an initial deposit to open an account, either. There are never any monthly maintenance fees, account balance minimums, overdraft fees, foreign transaction fees, transfer fees, or debit card replacement fees.

Varo’s recent bank charter has them innovating more than ever. They have a very strong cashback program, a payroll advance option, and have started to offer their customers a secured credit card called Varo Believe.

Finally, if Varo receives a payroll notification before your payday, it can deposit your money more quickly than many banks.

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Want to earn cash back on Walmart purchases – up to $75 each year? Then you might love the Walmart MoneyCard. It’s a debit card that has some strong features such as cashback on Walmart purchases, overdraft protection, interest on your savings, and a mobile app that lets you track your purchases and deposit funds into your account.

Walmart Moneycard at a Glance

• Easy approval: no ChexSystems or credit check
• No initial deposit is required and there are no monthly minimums
• Deposit cash for free at any Walmart store and it shows up 10 minutes later
• Deposit checks using the Walmart MoneyCard smartphone app
• Easily request multiple cards for family use¹
• Manage your account from your computer or the smartphone app
• 3% cashback on Walmart.com purchases, 2% cashback for Walmart fuel stations, and 1% cash back for use in-store²
• Earn 2.00% APY on money you set aside in a free savings account³
• With qualifying direct deposits⁴, you can opt-in and enjoy overdraft protection of up to $200 on eligible purchases⁵
• No monthly fee when you direct deposit $500+ in the previous monthly period. Otherwise, there’s a $5.94 monthly fee.⁶

The Walmart MoneyCard is available in all 50 states, Washington D.C., and Puerto Rico.

Open an account today!

Individuals who live, work, worship, or attend school in Vigo County are eligible for a Second Chance Checking. This account has been crafted for those looking for a second chance to manage their finances.

To get started, simply visit Vigo County Federal Credit Union branch to get started. Once opening your Second Chance Checking account that has a recurring $5 monthly maintenance fee, you’ll obtain some of the following benefits: free checks for senior citizens, $2 money orders, and online banking.

Vigo County Federal Credit Union is conveniently located in Terre Haute for all your banking needs.

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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 45 locations in cities across Indiana including Indianapolis, Evansville, Portage, and many others.

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The Capital One 360 Checking Account uses a proprietary approval process that does not include ChexSystems and might be a solid option for those who have had past financial challenges.

Available in all 50 states and the District of Columbia, Capital One acts more like an online bank than one with over 400 branches in a few states. Its highly-rated smartphone app gives customers full control of their account and you can access everything from a computer, too.

Capital One 360 Checking at a Glance

• No opening deposit is required
• No monthly or annual fees
• No minimum balance and no overdraft fees
• Add cash to your account at CVS® locations.
• No-fee access to over 70,000 ATMs nationwide
• No foreign transaction fees when traveling abroad
• Deposit checks and pay bills with the smartphone app
• Send and receive money with Zelle®
• Early direct deposit feature
• Monitor your credit score with Capital One’s CreditWise feature
• FDIC insured account up to $250,000

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The Citi® Access Checking account is a solid option if you’ve been blacklisted by ChexSystems or Early Warning Systems. As long as you haven’t been flagged for fraudulent behavior and don’t owe Citibank an outstanding amount, approval rates for this account are good.

There are no monthly service fees for the first 3 months after opening the account. The $5 monthly service fee can easily be waived after that time by depositing at least $250 per month.

We also like that there are no overdraft or returned item fees because if you don’t have enough money in your account, the item will be returned.

Citibank Access Checking at a Glance

• 65,000+ fee-free ATMs
• Send money to almost anyone with a U.S.-based bank account through Zelle®
• No overdraft or NSF fees
• $5 monthly fee can be waived with $250 in qualified direct deposits
• $0 liability for unauthorized charges
• Available in all 50 states and Washington DC
• No minimum opening deposit

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