There are a variety of reasons why a person doesn’t have a checking account. In Massachusetts there are nearly 100,000 households that are entirely “unbanked”, meaning that no one in the household has a checking account. In a survey by the FDIC, the majority of people cite that they don’t have enough money to meet the minimum balance requirements. In addition, many people have a hard time opening an account due to a negative banking history.
If you’ve ever been denied a checking account due to past banking mistakes, you may have been reported to a company called ChexSystems. This consumer reporting agency is used by approximately 85% of banks in the country and keeps a database of customers’ banking history. A lot of people are blacklisted by ChexSystems for account mismanagement, which includes things like too many overdrafts, unpaid debt, or involuntary account closures.
Although ChexSystems is supposed to act as a safety net for banks to weed out people who have committed fraud or identity theft, everyday people are caught in the crossfire. Luckily, there are still plenty of options out there for you if you know where to look. Our job at CheckingExpert.com is to compile an up-to-date list of banks and credit unions that want your business regardless of your banking past.
Many institutions on this list offer second chance checking accounts that are designed for people that have been reported to ChexSystems. Others do not use ChexSystems during the application process and may not even look at your credit score! Here are the best banks in Massachusetts that can give you the checking account you deserve.
Second Chance Banking in Massachusetts for October 2023
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Chime® is one of our favorites for a second chance banking account. 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
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
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
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 4.50% 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 5.5 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!
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!
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!
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
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.
Alden Credit Union offers a second chance to those who have had less-than-perfect banking history in the past with their No Boundaries Checking account. Some restrictions apply based on the severity of your ChexSystems or credit report.
Once you are approved for the account, all that is required is a $10 opening deposit and a moderate monthly service fee of $7.50. In turn, you get access to an ATM card, online banking services, free bill pay, free notary services, and eStatements. You will even receive your first order of 50 personalized checks for free!
Alden CU extends membership to anyone who lives, works, worships, or attends school in Hampden or Hampshire Counties. You can also join if you have a relative who is already a member. Visit their website or stop by one of their branches in Chicopee and Belchertown to see if you’re eligible!
If you’ve had previous issues with non sufficient funds (NSF), Athol Credit Union offers a solution with their Fresh Start Checking account. As long as all of your entries in ChexSystems have been paid, you should be able to open an account.
Fresh Start Checking includes a free debit card, free starter checks, and access to online banking. It’s important to note that there is a required $25 opening deposit and a moderate monthly service fee of $7.95 if you’re enrolled in direct deposit. After you keep your account in good standing for 12 months, you’re even able to upgrade to a traditional checking account!
Membership at Athol CU is offered to anyone who has a connection to Worcester, Franklin, or Hampshire Counties. You will need to deposit $25 into a savings account to establish your membership. They have one branch in Athol on Main Street.
Bellwether Community Credit Union uses ChexSystems, but are known to be more lenient when opening new accounts. If you have between one and three negative marks on your report, have paid all items and have no history of fraud, you should be able to get an account.
We recommend their Live Free Checking account because it offers you an easy and affordable way to manage your money. The account includes online banking access, optional overdraft protection services, and a free money management tool to help you stay on track. There is also no minimum balance requirement or monthly service fee.
Bellwether Community CU is primarily based in New Hampshire, but they extend membership to anyone living or working in Essex or Middlesex Counties in Massachusetts. Visit their website or one of their branches located in Manchester, Nashua, and Bedford, New Hampshire to get started!
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
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
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.
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
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.
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
KeyBank’s Hassle-Free Account® is a no monthly maintenance fee checking account that offers access to 1,000 branch locations and 40,000+ ATMs fee-free. There is a $10 minimum deposit to open an account.
A Smartphone App Built for You
KeyBank has a popular smartphone app with strong customer ratings on both Apple and Android devices. The app allows you to set customer 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
Our Verdict
We like KeyBank. We think the Hassle-Free Account® account offers a path to financial wellness. And, you can get an 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
North Easton Savings Bank is a non-ChexSystems bank, so if your main issue is with ChexSystems you will have a better chance of getting an account. Out of their several different account options, we recommend Free Basic Checking.
With an outstandingly low $10 opening deposit requirement, you can enjoy access to online banking with bill pay, free eStatements, and unlimited check writing. As the name suggests, this account is fee-free and takes away the stress of monthly service fees or minimum balance requirements. We like this account because it also provides you with your first 50 checks for free.
North Easton Savings Bank has 18 branches located in Massachusetts. These locations include Brockton, Carver, Halifax, Hanson, and many other cities. Visit their website or a branch nearest you to get started!
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.
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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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OneUnited Bank offers its U2 E-Checking as an appealing second chance account to anyone who has had negative experiences with banking in the past. Whether you have a poor credit score or a negative entry on your ChexSystems file, this account can help you get back on your feet.
A $50 minimum deposit is all that’s required to open this account and the first monthly fee is actually waived for your convenience. Keeping your account positive for a whole year will also make you eligible for an upgrade to a standard checking account. Some important benefits are:
- Free online and mobile banking
- Access to over 30,000 surcharge-free ATMs
- Mobile Remote Deposit Capture for depositing checks
You can find OneUnited Bank locations in Dorchester, Boston, and Roxbury. Visit their website or stop by a branch nearest you to open an account!
If you’ve been reported to ChexSystems but have paid off all debts and haven’t been reported for fraud, Rockland Trust may be a good option for you. They use ChexSystems during the verification process but are more lenient when it comes to approving new accounts.
We like the Free Checking account because it can help you manage your money while avoiding unnecessary fees. With this account, you’re able to enjoy no monthly fees, no minimum balance requirements, and even a free first order of checks! You also get the basics like a debit card and a smartphone banking app.
Rockland Trust is primarily Massachusetts-based and has dozens of branches across the state. You’ll find them in cities including Westwood, Plymouth, Falmouth, Carver, and many others.
Rollstone Bank and Trust is another example of a non-ChexSystems bank. If your only financial issue is with ChexSystems, this may be a viable option for you. Their Free Checking account provides you with the basics and offers add-on services for additional fees.
This account has no monthly fee and no minimum balance requirement. We don’t necessarily like how the account is called Free Checking but requires you to pay for simple features like online banking, bill pay features, and even a debit card.
They do, however, have several convenient locations across the state. You can find them in Fitchburg, Leominster, Harvard, Townsend, and Groton.
Rather than going through ChexSystems, Telecheck, or EWS to determine your eligibility for an account, US Alliance Financial only requires a government-issued ID and social security card. This is definitely worth a try for anyone who has a negative history with one or more of the previous agencies.
We like their MyLife Checking account because it comes with a bunch of great features while avoiding pesky service fees. In addition to a Visa debit card and a free first order of checks, you’ll also receive a free monthly credit score to track your finances. Our favorite feature of this account is that you’re able to get paid up to two days early if you enroll in direct deposit!
To get started, visit their website or one of their two Massachusetts branches located in Cambridge and Medford.
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.
For those looking to move on from past financial management issues, the Opportunity Checking account with Webster Bank is the perfect opportunity. This account requires a simple minimum opening deposit of $50 as well as a recurring $11.95 monthly maintenance fee with a qualifying direct deposit.
Opening your own Opportunity Checking account is as easy as visiting your nearest Webster Bank branch. Upon opening, you’ll be given access to many account benefits including paperless statements, online and mobile banking, and a free Visa debit card.
Webster Bank branches can be found throughout much of the northeastern United States. Their Massachusetts branches are located in cities including Lexington, Burlington, Boston, Cambridge, and several others.
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
Chime is a financial technology company, not a bank. Banking services and debit card issued by The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.
1Eligibility requirements apply. Overdraft only applies to debit card purchases and cash withdrawals. Limits start at $20 and may be increased up to $200 by Chime. See chime.com/spotme.
2Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM. Cash deposit or other third-party fees may apply.
3Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
4Customers are limited to three $1,000 cash deposits at Walgreens each day and $10,000 each month.
5Sometimes instant transfers can be delayed. The recipient must use a valid debit card to claim funds. Once you are approved for a Chime Checking Account, see your issuing bank’s Deposit Account Agreement for full Pay Anyone Transfers details. Please see the back of your Chime debit card for your issuing bank. See Terms and Conditions.
6The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of May 22, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.
7Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
1Family Accounts: Activated, personalized card required. Other fees apply to the additional account. Family members age 13 years and over are eligible. Limit 4 cards per account. See Deposit Account Agreement for details.
2Cash back, up to $75 per year, is credited to card balance at end of reward year and is subject to successful activation and other eligibility requirements. Redeem rewards using our website or app. You will earn cash back of three percent (3%) on qualifying purchases made at Walmart.com and in the Walmart app using your card or your card number, two percent (2%) at Walmart fuel stations, and one percent (1%) on qualifying purchases at Walmart stores in the United States (less returns and credits) posted to your Card during each reward year. Grocery delivery and pickup purchases made on Walmart.com or the Walmart app earn 1%. For the purposes of cash back rewards, a “reward year” is twelve (12) monthly periods in which you have paid your monthly fee or had it waived. See account agreement for details.
3Interest is paid annually on each enrollment anniversary based on the average daily balance of the prior 365 days, up to a maximum average daily balance of $1,000, if the account is in good standing and has a positive balance. 2.00% Annual Percentage Yield may change at any time before or after account is opened. Annual Percentage Yield is accurate as of 3/1/2022.
4Direct Deposit: Early availability of direct deposit depends on timing of payroll’s payment instructions and fraud prevention restrictions may apply. As such, the availability or timing of early direct deposit may vary from pay period to pay period. Make sure the name and social security number on file with your employer or benefits provider matches what’s on your Walmart MoneyCard account exactly. We will not be able to deposit your payment if we are unable to match recipients.
5Opt-in required. $15 fee may apply to each eligible purchase transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid the fee. We require immediate payment of each overdraft and overdraft fee. Overdrafts paid at our discretion, and we do not guarantee that we will authorize and pay any transaction. Learn more about overdraft protection.
6No monthly fee with qualifying direct deposit, otherwise $5.94 a month. Waived when $500+ is loaded in the previous monthly period. First monthly fee occurs upon first use, the day after card activation or 90 days after card purchase, whichever is earlier.
