It can be discouraging to be denied a bank account, but there is a way to solve the problem. And the good news is that there are banks and credit unions in Nevada that offer second chance accounts. Even if you have bad credit or have been blacklisted by ChexSystems, you can get a new account.
What’s ChexSystems? If you’ve had unpaid fees or too many bounced checks, your bank history is flagged in the ChexSystems database. And the vast majority of banks and credit unions in Nevada use ChexSystems to screen new accounts. Unfortunately, that record remains in the database for up to 5 years.
We’ve done the work of finding banks and credit unions who offer second chance checking accounts. Most have branches in the state, some are online, and others don’t use ChexSystems at all.
CheckingExpert has helped thousands of people just like you open second chance checking accounts. We’ve selected the best accounts in Nevada based on acceptance rates, checking account features and benefits, and the accounts with the lowest fees. Best of all, you can open an account today!
List of the Best Second Chance Banks and Credit Unions in Nevada

Why do we recommend BBVA Online Checking so highly? If you’ve got poor credit or find yourself on ChexSystems, BBVA will approve you for an account.
- NO monthly service charge
- NO monthly account balance minimums
- NO fees at over 64,000 Allpoint® and BBVA ATMs worldwide
- FREE online banking, bill pay, and mobile deposits
- FREE unlimited check writing
- FREE Visa® debit card
- Open with as little as $25
- BBVA USA, member FDIC
It’s simple to apply. The BBVA website is simple and easy to interact with. There is a $25 minimum deposit required to open an account. Your online approval is immediate. BBVA is one of the most friendly banks for those who need a second chance at a checking account. The entire process from start to finish takes about 3 minutes.
Your BBVA Visa Debit Card allows you access to all BBVA ATMs and Allpoint ATMs. Allpoint ATMs can be found at these retailers and many more:

We like how there are no monthly fees and no minimum balance requirements. In fact, Chime wants you to save your money. They offer automatic savings programs to make the savings process as simply as possible.
Chime also offers Fee-Free Overdraft protection. They will cover you up to $100 a month in overdrafts without charging you a fee. The overdraft is simply repaid when you make a deposit.
Chime Mobile Accounts offer early payroll deposit through direct deposit, mobile payments and easy-to-use mobile app features. The online application process is secure and easy.

Fresh Start Checking offers:
- Unlimited check writing
- A Bank of the West debit card
- Unlimited Bank of the West ATM access
- Online banking and bill pay
- Mobile banking
- Free bankers-by-phone access
You are required to keep the account open for at least 91 days. There is a $12 service fee. You can apply in person at one of the seven Nevada locations.
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Low fees are an added bonus. There is a required opening deposit amount of $25. You aren’t required to maintain a minimum monthly balance. If you have direct deposits totalling $250 or more, your monthly maintenance fee is waived.
All City National Bank accounts feature:
- A City National Visa check card
- Free eStatements
- Free mobile banking
- Free online banking
- First five bill pay transactions for free
- Free telephone banking
- Access to more than 90 branches and ATMs
You can open a City National Bank online or in person. City National Bank has locations in Carson City, Las Vegas, Minden and Reno.
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You must deposit $50 into savings and $50 into the Check Again account. After 12 months of positive checking balances, you are eligible for a traditional checking account.
CCCU accounts include:
- A CCCU debit card
- Online and mobile banking
- Monthly e-Statements

GoBank is a debit card-only account with an easy-to-use mobile app with mobile deposit. You also receive:
- Early direct deposit for payroll and government deposits
- Convenient online checkbook payments
- Access to 40,000 free ATMs nationwide
- Cash deposits at 100,000 participating retailers nationwide for $4.95
The GoBank application process is very simple. You purchase a GoBank starter kit, go online and complete the activation process. All you need is proof of identity to open the account. Nevada residents can purchase a starter kit at Walgreens, Walmart, CVS and Rite Aid.
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Designed to build your banking confidence, GTE Financial will automatically upgrade you to a standard checking account after 12 months of successful Go Further Checking. As an added bonus, your $4.95 monthly service fee is waived if you deposit more than $500 a month and make at least 15 transactions.
Go Further Checking includes:
- A free EMV-equipped debit card
- Online and mobile banking
- Free bill pay
- Go Points and Ampre rewards programs
- Popmoney service to transfer money to friends and family

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:
- ATM fee reimbursements
- Interest and dividend rate payments
- No minimum balance
- No monthly service fees with direct deposit

All you need to open a OnBudget Banking account is a $50 opening deposit. The low monthly fee of $5 keeps your maintenance costs low. Online banking and e-statements help you avoid the $2.50 paper statement fee.
Some of our favorite OnBudget features include:
- A NSB debit card
- Easy mobile deposits
- Purchase alerts to your phone
- Pop money transfers to friends and family
You can apply online or at a Nevada State Bank location.
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Second Chance Checking offers easy direct deposit to save you time and money by eliminating the check cashing process. Your access to your money is simple through a Peoples Cash Solutions debit Mastercard. Other convenient features include:
- Online banking
- Online money transfers
- Online bill pay
- A personal checkbook
- ATM access
You can apply online with a $30 minimum deposit. There is a monthly maintenance fee of $4.95 for Second Chance Checking through Peoples Cash Solutions.
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All you need is a $10 minimum opening deposit. After that, you have no minimum balance requirements. There is a monthly service charge of $9, but you can apply for a free checking account after 12 months of positive banking history.
You can easily apply online for all Radius banking services. Essential Checking comes with:
- Free MasterCard® debit card
- Free mobile banking with check deposit
- Free online banking with bill pay
- No minimum balance

SoFi will even pay you through a high-yield interest rate on your checking balance. You can earn a $50 cash bonus if you sign up for SoFi Money® and make one direct deposit of at least $500.
The sign up process takes only a few minutes because SoFi does not use ChexSystems to approve accounts. After opening your account, you receive a SoFi debit Mastercard for use anywhere Mastercard is accepted. The easy-to-use mobile app keeps you in control of your money and offers bill pay, money transfers and educational services.
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The Right Start checking account offers:
- A free Visa debit card
- Free online eBanking and eStatements
- Free ePay online bill payment
- No check writing fees
- Fee-free overdraft protection from a connected savings account
UNIFY is a national credit union with hundreds of partners nationwide. If you aren’t associated with a partner company, employer or community, membership is open through a donation to the Surfrider Foundation of the Friends of Hobbs. The online application process is designed to help you find your best membership option.
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The Safe Debit Account features:
- A US Bank Visa debit card
- Online banking and bill pay
- Mobile banking with mobile check deposit
- Discounts on money orders
US Bank also helps you build a better credit future with free access to the TransUnion Creditview Dashboard through your online banking. You can use this financial tool to see your VantageScore 3.0 credit score and see what minor changes in your behaviors can do for your future.
Application is easy through the fast and secure online application. You can also apply in person at one of the multiple US Bank locations in Nevada.
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When you open an account at Varo you can do so with no initial deposit. Plus, there are never any monthly maintenance fees, foreign transaction fees, transfer fees, or debit card replacement fees.
Finally, if Varo receives a payroll notification before your payday, it can deposit your money more quickly than many banks.
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With relaxed CheckSystems requirements, you’ll find it is easy to open an Online Rewards account. All you need is a minimum deposit of $10 and an online application. There is no minimum balance requirement, but there is a $14.95 monthly fee. After a year of good standing, you can convert your account to a free checking plan.
With Online Reward Checking, you have access to:
- A free Mastercard EMV debit card
- Free online banking and bill pay
- Free budgeting tools
- Free mobile banking
- Mobile deposit after 3 months of direct deposits
- Free eStatements

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

Fresh Start Checking includes:
- A free debit Mastercard
- Free online banking and bill pay
- Free eStatements
- Free mobile banking
- Free telephone banking
- Courtesy overdraft services
- Direct deposit
Membership is open to all employees of a qualifying company or any company that is licensed for gaming by Nevada. You can apply online or in a Las Vegas or Reno branch location.
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Did we leave your financial institution off this list? Has there been a change in any of the listings? Please let us know.