The Best Second Chance Banks in Texas

If you recently applied for a checking account and were denied because of a negative banking history or bad credit, you’re not alone. Additionally, approximately 90% of banks in Texas use a company called ChexSystems when you apply for a new checking account. If you have experienced several overdraft checks from another bank or have been unable to pay overdraft fees, ChexSystems will flag that behavior… making it next to impossible to find a bank willing to work with you.

Granted, ChexSystems is the safety net for bank institutions to weed out people who have committed fraud or identity theft, but if you get caught in the net it can be crippling. And most of us absolutely require the use of a bank checking account to manage our money, pay bills, and receive direct deposits from an employer or government agency.

Fortunately, some banks and credit unions offer so-called No ChexSystems Bank Accounts and/or Second Chance Checking Accounts to help people rebuild their credit and financial histories. Our job at is to find those institutions in Texas that can assist you.

Best Second Chance Bank Account of 2019

BBVA Online Checking  
bbva-logo-2Most Texans have heard of BBVA Bank (almost 150 branch locations in the state) and the BBVA Online Checking Account is our hands-down winner for the best second chance checking account. BBVA is owned by a multi-billion dollar international bank and has won several awards for their leading products and online services. They are a fully insured FDIC member.
Sign Up Today. Takes About 3 Minutes.

Features include mobile deposits, direct deposit, online bill payment, NO monthly or annual fees, NO credit check, and NO CheckSystems. Setting up an account is almost too easy and the smartphone app tools are some of the best we’ve reviewed. Here are a few of the highlights:

  • FREE Visa® debit card you can personalize with your favorite photo
  • NO monthly fees or service charges
  • FREE online banking and mobile banking/deposits
  • FREE mobile and online bill pay
  • NO fees at all BBVA and Allpoint ATMs (over 64,000 ATMs worldwide)
  • NO credit check; Bad credit OK
  • NO ChexSystems; anyone can open an account

Applying is simple. The BBVA website is simple and easy to interact with. There is a $25 minimum deposit required to open an account and once that deposit clears, you’ll be off and running. You’re online approval is immediate and you’ll never be required to step foot in a branch unless you want to. 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. Best of all, they know Texas and Texans.

b-lewis-bbva-testimonialFor anyone interested, I signed up for a BBVA Bank checking account. I have been using the new checking account, debit card, online website, direct deposit, and customer service for over a month now. I have to say I am genuinely impressed with everything they have done with me and my account.

So far it seems like the ideal bank.

B. Lewis, BBVA Customer
Open a BBVA Online account today!

Your BBVA Online Visa Debit Card allows you access to all BBVA ATMs and Allpoint ATMs. Allpoint ATMs can be found at these retailers and many more:

Best Second Chance Banks and Credit Unions in Texas

We’ve surveyed banks and credit unions across Texas to find local, regional, or national financial institutions that offer “Second Chance Checking Programs” or what some banks call Fresh Start Checking, Opportunity Checking, or New Start Checking.

Most of these institutions use ChexSystems or EWS, but are willing to look at opening these kinds of accounts on a case-by-case basis. Many times, they require a personal visit to a branch and may offer accounts that come with monthly fees or minimum balance requirements. While not as easy and fee-free as the BBVA Online Checking account, they do offer you an alternative.

Here’s the list of banks and credit unions in Texas offering these services:

Financial InstitutionProduct
BBVA  (Our Top Pick)Online Checking
Abilene Teachers Federal Credit UnionRestart Checking
Air Force Federal Credit UnionFresh Start Checking
Allied Federal Credit UnionFresh Start Checking
American Airlines Credit UnionAscend Checking
Associated Credit Union of Texas180 Checking
Bank of TexasOpportunity Checking
Bank of the OzarksPathway Checking
Baptist Credit UnionDraft Builder Checking
Chocolate Bayou Community Federal Credit UnionClean Slate Checking
Corporate America Family Credit UnionFresh Start Checking
Energy One Federal Credit UnionFresh Start Checking
First Service Credit UnionFresh Start Checking
Houston Metropolitan Federal Credit UnionFreedom-2nd Chance Checking
InTouch Credit UnionFresh Start Checking
Kelly Community Federal Credit UnionSmart Choice Checking
Landmark BankRebound Checking
Las Colinas Federal Credit Union2nd Chance Checking
Members Trust Federal Credit UnionSecond Chance Checking
MemberSource Credit UnionSelect Checking
Memorial Credit UnionNew Path Checking
Nascoga Federal Credit UnionFresh Start Checking
Neighborhood Credit UnionFresh Start Checking
North East Texas Credit UnionFresh Start Checking
Peoples BankSecond Chance Checking
PNC BankFoundation Checking
Postel Family Credit UnionFresh Start Checking
Premier America Credit UnionFresh Start Checking
Prestige Community Credit UnionFresh Start Checking
Rio BankFresh Start Checking
Select Federal Credit UnionFresh Start Checking
Southside BankNext Checking
Tarrant County’s Credit UnionFresh Start Checking
Texas People Federal Credit UnionOpportunity Checking
TruWest Credit UnionOpportunity Checking
UNIFY Financial Credit UnionRight Start Checking
United Heritage Credit UnionChoice Checking
Unity One Credit UnionClean Start Checking
Velocity Credit UnionAccess Checking
Wells FargoOpportunity Package
Woodforest National BankSecond Chance Checking

Did we leave your financial institution off this list? Has there been a change in any of the listings? Please let us know.