Second Chance Checking Accounts – Local Banks & Credit Unions

Second chance checking accounts are one of the most sought after financial products in today’s economic uncertainty. Reports (source – link opens in a new window) show that almost 9 million American households are un-banked or underbanked (meaning they do not have a checking or savings account). The reasons for 7.7% of Americans being unbanked vary, but for the most part, it has to deal with past banking issues and being listed in ChexSystems and/or Early Warning Services. While currently only 7.7% of our economy, this number is growing on a daily basis and it keeps families from being able to move forward and build a stable financial foundation.

If you are one of the un-banked Americans, we can help. Welcome to We are a free source of banks and credit unions that offer second chance checking opportunities. If you do not have a checking account due to past banking issues and are looking for a second chance, we can help you get that new second chance banking account you need. We provide a free list of banks and credit unions that provide consumers with a second chance checking account


What You Should Know Before Applying
When you apply for a second chance banking account, there are some things you need to be aware of.

1 – The bank or credit union will check the applicant(s) ChexSystems and/or EWS reports and some even check both.
2 – These are not non ChexSystems banks. Due to the fact that almost 90% of all banks and credit unions use either ChexSystems or Early Warning Services (and some use both), finding a non ChexSystems bank is very difficult and nearly impossible.
3 – They may check your credit. So make sure you know where you stand and can answer questions that may arise.
4 – Applications for second chance checking accounts are done in the branch and not online, so be prepared to go to the bank or credit union you are interested in and apply in person.
5 – Fraud or suspicion of fraud will get you shut down quickly and unfortunately, your only option is a prepaid debit card unless you can prove your innocence.
6 – Pay What You Owe – I know this may be difficult in today’s economy, but you will be denied if you owe money to any bank for any reason. So pay what you owe and if you can not, get a prepaid debit card to help manage your finances until you can get the past due accounts brought current.

100% Guaranteed Second Chance Checking Account
If you need a 100% guaranteed second chance banking account, your only option is to get a prepaid debit card. We HIGHLY recommend Account Now if you need to get a banking alternative due to being past fraud issues or if your looking for a permanent banking alternative or a temporary solution until you can find the local banking opportunity in near you. Account Now offers you the ability to pay your bills online with their FREE online bill pay, is known for their outstanding customer service and is one of the first prepaid debit cards products ever offered. Take a look at some of the benefits and features below:

$0 Monthly Fee
No Minimum Balance Requirements
No Credit Check.
No ChexSystems or Early Warning Services checks
No Overdraft Fee.
Free† Direct Deposit
Free Online Bill Payment
FDIC Insured – Your money is backed by the Federal Gov’t just like local banks and credit unions
100% Approval Guaranteed (subject to I.D. Verification)
Use it everywhere Visa Debit Card accepted
Now with Purchase Rewards

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Get 100% Guaranteed Approval Account Now – Regain Control of Your Financial Future

Second Chance Checking Banks & Credit Union Directory

Our free list of banks and credit unions provides consumers in every state with at least one second chance banking opportunity. However, we do not guarantee that the bank or credit union will be local to you or that you will be able to get approved for an account. (see our disclaimer here). To use our directory, simply choose your state below and when the page loads you will be presented with all the available second chance checking opportunities in your state.

Alabama Hawaii Massachusetts New Mexico South Dakota
Alaska Idaho Michigan New York Tennessee
Arizona Illinois Minnesota North Carolina Texas
Arkansas Indiana Mississippi North Dakota Utah
California Iowa Missouri Ohio Vermont
Colorado Kansas Montana Oklahoma Virginia
Connecticut Kentucky Nebraska Oregon Washington
Delaware Louisiana Nevada Pennsylvania West Virginia
Florida Maine New Hampshire Rhode Island Wisconsin
Georgia Maryland New Jersey South Carolina Wyoming

Being denied for a checking account can further damage your score at ChexSystems and EWS, so it is very important that you do not apply without knowing what your financial situation looks like and what your banking history says about you. Before applying for any of the banks and credit unions you find in our directory, make sure you know where you stand so that you will not be hit with any surprises. We highly recommend that you check your credit report as well as your ChexSystems and Early Warning Services reports before trying to open any of the second chance checking accounts.