Second Chance Banking in Alabama

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According to a study by the FDIC, nearly 7.1 million households in the U.S. are “unbanked”, meaning that no one in the household has a checking or savings account. Out of all Alabama households, 7.6% are completely unbanked, accounting for over 140,000 households in the state alone!

If you have a bad history with banking, it can be tough to find a bank or credit union that will give you a second chance. Especially if you’ve been reported to ChexSystems, a consumer reporting agency that is used by most banking institutions to determine if an applicant is a good or bad risk for a new account.

Thankfully, there are plenty of second chance banks in Alabama that do not use ChexSystems and are willing to work with you. Second chance bank accounts are designed to help you get back into banking after a financial mishap. They can also help you rebuild your credit score so that you can qualify for better interest rates in the future.

Our purpose is to help you find a bank that doesn’t use ChexSystems and share our knowledge of the banks and credit unions in Alabama that are more likely to approve your application, regardless of your past with ChexSystems. Don’t let a bad banking history hold you back from getting the checking account you deserve!

Second Chance Banking in Alabama for July 2024

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Chime | Over 7 Million Active Users
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+ Walgreens3
  • Get your paycheck up to 2 days early with direct deposit4
  • 700,000+ 5-star reviews for the Chime smartphone app
  • Instantly transfer funds to friends and family without additional apps5
  • FDIC insured account up to $250,000

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.

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

Get a Chime Account Today!

Found Business Banking | Our Favorite Business Account
One of the biggest challenges for small businesses, entrepreneurs, and gig workers is finding the right bank account for their growing business.

The Found Business Banking Account solves that problem by simplifying your financial journey. Available only to sole proprietors and single-owner businesses, the sign-up process takes only a few minutes. There’s no credit check or ChexSystems.

Found Business Banking at a Glance

  • No opening deposit required
  • No minimum balance
  • No required monthly fees
  • Free unlimited ACH payments
  • Free unlimited invoicing
  • Free mobile check deposits
  • Free built-in expense management tools
  • Accept bank transfers and card payments
  • Easily connect to Quickbooks, Stripe, Venmo, PayPal, Etsy, etc.
  • Get paid up to 2 days early with direct deposit1
  • Send money to anyone within the U.S. using their phone number or email address
  • Deposit cash at over 79,000 locations
  • Access your account online or on the free app
  • Found’s core features are free. They also offer a paid product, FoundPlus

Fast Approval Process

Time is money and Found respects both. Apply for your business account online and the streamlined approval process ensures you’re up and running quickly. No lengthy paperwork needed to get swift access to your financial hub.

Easy Bookkeeping and Tax Management Tools

Managing your business finances shouldn’t be a headache. You get intuitive tools such as automated expense tracking, receipt capture, unlimited custom invoices, and the ability to manage 1099 contractor payments. Plus, you get the ability to auto-save for tax payments and automatically generate tax forms.

No Hidden Fees, No Surprises

Say goodbye to unexpected charges. believes in transparency. They’ve stripped away unnecessary fees, leaving you with a straightforward banking experience. No hidden costs—just clarity and peace of mind.

Found is a financial technology company, not a bank. Business banking services are provided by Piermont Bank, Member FDIC.2

Open a Found account now!

Upgrade Rewards Checking Plus
Upgrade is a digital banking platform providing a range of financial services, including checking accounts, personal loans, and credit cards without annual fees.

Upgrade Rewards Checking Plus at a Glance

  • Up to 2% cash back on purchases
  • NO opening deposit required
  • NO monthly maintenance fees
  • NO minimum balance requirement
  • NO NSF or overdraft fees
  • Fee-free cash withdrawals at over 55,000 Allpoint ATMs
  • Get paid up to 2 days early with direct deposit
  • 10%-20% lower interest rates on loans & credit cards through Upgrade
  • Earn up to 5.21% APY with a free Performance Savings Account
  • FDIC insured account up to $250,000

Earning 2% Cash Back

The Upgrade Rewards Checking Plus lets you earn 2% cash back rewards with debit card purchases. Eligible expenses include:

  • Convenience and drug stores
  • Gas stations
  • Monthly subscriptions, including streaming services
  • Restaurants
  • Utilities and cellphone services

All other purchases will earn 1% cash back. To earn the reward your account must be “active”. An active account is one that has a monthly direct deposit of $1,000 or more.

But if you choose not to or cannot meet the monthly direct deposit requirement, the account cashback program is reduced from 2% to 1%. In our view, that’s still a very strong offering with very few fees.

Consumers Love Upgrade

Managing your transactions is effortless, facilitated through either an intuitive online dashboard or the convenient Upgrade mobile app, available for both iOS (4.8 out of 5 rating) and Android (4.7 out of 5 rating) users. You’ll also have free access to your credit score and will be notified of any changes.

Not only is the Upgrade Rewards Checking Plus one of our favorites, but the account also has very high approval rates.

Get an Upgrade Account Now!

Current | Build Credit While You Bank
Current1 offers an innovative account to consumers who want it all without the costs and hassles.

The Current Build account helps you build credit every time you use the card. Sign-up takes about 2 minutes and Current does not check your credit.

Current at a Glance

  • NO opening deposit required
  • NO credit check
  • NO minimum balance
  • NO fees at over 40,000 Allpoint® ATMs in the U.S.
  • Get your paycheck up to 2 days early with qualifying direct deposit
  • Earn up to a 4.00% bonus on your balance up to $6,000 with direct deposit; earn 0.25% without
  • Earn points for unlimited cashback at participating retailers
  • Send money instantly without any added fees
  • An elegant but simple smartphone app
  • 24/7 member support

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 remove 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!

Chase Secure Banking | $100 New Account Bonus
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 OnlineSM Bill Pay
  • FREE money orders and cashier’s checks
  • Quickly send and receive money with Zelle®
  • Paper checks are not offered with the account

Earning the $100 Bonus

To earn the $100 bonus, you’ll need to complete 10 qualifying transactions within 60 days of account enrollment. Qualifying transactions include debit card purchases, online bill payments, Chase QuickDepositSM, using Zelle®, or receiving ACH credits.

What to Know About the Approval Process

Chase Secure Banking is the only account offered by Chase that doesn’t use ChexSystems but 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.


Chase doesn’t offer overdraft services with this account as you can only spend the money you have available. You should also know that using non-Chase ATMs can cost from $3.00 to $5.00 per transaction. Surcharges from the ATM owner/network may apply.

Chase Secure Banking carries a $4.95 monthly service fee, but it can be waived when you have electronic deposits made into the account totaling $250 or more during each monthly statement period.

Other Account Features

Chase Secure Banking offers several other features we like. This includes:

  • Zero Liability Protection. Get reimbursed for unauthorized debit card transactions when reported promptly.
  • Budgeting Tools. Manage your spending and get daily spending insights with Snapshot in the Chase Mobile® app.
  • Credit and Identity Monitoring. Track your credit score, get a personalized action plan provided by Experian™ to help improve your score and receive identity monitoring for free through Chase Credit Journey®.
  • Early Direct Deposit. Get that “just paid” feeling up to two business days sooner with early direct deposit.

If you’ve wanted to bank with Chase and wondered if you’d qualify, we think you’ll be happy with the Chase Secure Banking account.

Get a Chase Account Now!

SoFi Checking & Savings | Earn a $325 Welcome Bonus
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.

SoFi Checking & Savings at a Glance

  • FREE SoFi debit MasterCard
  • FREE smartphone app. Manage your account online, too
  • No opening deposit required
  • No monthly minimum balance requirement
  • No monthly maintenance fees
  • No fees at 55,000+ ATMs
  • Get paid up to two days early with direct deposit

How to Earn the $325 Bonus

As soon as you get your SoFi Checking & Savings account and deposit $10 or more, you’ll earn $25. When you set up direct deposit from an employer, SoFi will credit your account up to an additional $300 (depending on the amount of your direct deposit).

Using the SoFi direct deposit option unlocks additional benefits, too. 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.

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. SoFi seems to be the perfect bank.
Claire M., SoFi Customer

Get a SoFi Account Now!

Acorns is making a name as a place to invest money for the long term, but what we really like is that they offer both checking and savings accounts. That makes Acorns another of our favorite bank accounts. As a company built to compete with the largest banks, Acorns offers some extraordinary 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 not only do you get a checking and savings account, but you also have access to an investment account once you’re ready to consider that. And, it’s free. 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.

Get an Acorns Account!

Ally Bank Spending Account
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.

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Ameris Bank
Ameris Bank uses ChexSystems, but as long as the report has since been settled, only one bank is reported, and there are no previous reports indicating fraud or account abuse, applicants should not have any issues opening a new account. Ameris offers several different checking account options.

Their cheapest account is Free Checking, which doesn’t charge a monthly fee nor have a minimum account balance. It offers free online, mobile, and text banking, as well as free bill pay. A deposit of $100 is required to open an account.

Ameris Bank’s Alabama branches are located in Eufaula, Abbeville, and Dothan.

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Armed Forces Bank
Rather than referring to your ChexSystems record, Armed Forces Bank will refer to a credit report and Certegy check services to determine if you’re eligible for an account. If you only have issues with ChexSystems, there’s a good chance you will be approved.

We like their Access Checking account because it provides all of the banking necessities while remaining affordable. The account comes with digital banking access, free eStatements, a free Visa debit card, and overdraft protection services. To waive the moderate $10 monthly service charge, you just need to enroll in direct deposit.

To get started, all you will need is $25 for an initial deposit. As their name may suggest, Armed Forces Bank offers accounts to anyone who is actively enrolled or retired from the U.S. Army. You can find one branch conveniently located in Alabama in Fort Rucker.

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Avadian Credit Union
Avadian’s e-Checking account allows you to build a banking relationship without the worry of hefty fees or hidden charges. For a monthly fee of $8.95, you receive a free Visa debit card and unlimited debit transactions. All you need is a $25 deposit to open the account. This checkless checking account is designed to offer you access to ATMs and merchants who accept Visa.

In addition, e-Checking through Avadian Credit Union gives you access to Centsible Savings. Your purchase amounts are rounded up to the nearest dollar and the extra amount is automatically transferred into your Centsible Savings account. This makes building a savings account simple. Other features of e-Checking include:

  • No minimum balance requirements
  • Account access through online banking, a mobile banking app, or by phone
  • The Avadian Identity Theft Protection Plan
  • No withdrawal fees from network ATMs

Avadian is an Alabama-based credit union and has branch locations in Chelsea, Birmingham, Helena, Hoover, Trussville, Dothan, and several other cities across the state.

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Azalea City Credit Union
Azalea City Credit Union offers Opportunity Draft checking to those who live, work or worship in the Mobile, Baldwin, Washington, and Clarke counties. This account allows Azalea City CU members a fresh start and financial stability through second chance checking.

A free ATM/Debit card and unlimited check writing gives you easy access to your money. There is a $5 new account fee and a minimum opening deposit of $25. If you have an account balance of less than $25, you will pay an additional $5 fee per month. The Opportunity Draft checking account also offers:

  • Free online account access
  • Free e-statements
  • Easy-to-use mobile app and e-alerts
  • Free online account access, e-statements, and e-alerts

Visit one of their branches in Mobile or Calvert to get started!

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BancorpSouth recently renamed their second chance checking account to Budget Smart Checking. And we like one change in particular: you no longer have to go to a branch to open an account; you can do that online. BancorpSouth does use ChexSystems, but as long as you haven’t been flagged for fraud OR owe any outstanding balance to BancorpSouth, you’re good to go.

The Budget Smart Checking account has a $5 monthly fee and you’ll need an initial deposit of $25 to open your account. From there, all the usual perks are yours: online bill pay, online banking, and a solid smartphone banking app. The account has a feature called Overdraft Avoidance, which helps you spend only the money available in your account by declining most transactions that exceed that amount.

BancorpSouth has over 30 branches throughout Alabama, including several in and around Greenville, Montgomery, Tuscaloosa, Hoover, Birmingham, and Jackson.

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BankPlus is here to help those who need financial help. If you’re in a situation where you’re unable to get a traditional checking account and want to rebuild your credit, they offer a product called CreditPlus.

In addition to a CreditPlus Checking account, you can use the product to help you get out of a Payday Lending cycle. They offer small, low-interest loans that are provided as an alternative to expensive Payday Lenders and Check Cashing services. To get started with any part of this program, you will need to complete a financial literacy course.

To open a CreditPlus Checking account, you will need $100 as an opening deposit. With several locations in Alabama, it is definitely worth looking into if you’re looking for a helping hand with your finances. Their locations include Dothan, Enterprise, Geneva, and Mobile.

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Cadence Bank
Rather than using ChexSystems, Cadence Bank will look at your credit report to determine if you’re eligible for a checking account. It’s important to note that they require a credit score of at least 675 at the time of account opening.

My Way Checking is their most basic account that comes with a bunch of additional services for a low cost. There is a $50 minimum opening deposit as well as a low $8 monthly service fee that can be waived if you keep an average balance of $250 or more. We like this account because it comes with unique benefits like cell phone protection, buyer protection, and ID theft aid.

Cadence Bank has over 20 branches located in Alabama. You can find them in locations including Albertville, Childersburg, Birmingham, Huntsville, and many others.

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Centennial Bank
Centennial Bank offers a second chance account with the opportunity to move up to a regular checking account. The Opportunity 100 Checking account helps you rebuild your checking history. If you keep the account in good standing for one year, you are upgraded to a standard checking account.

Although there is a $100 minimum deposit to open the account, Centennial Bank does not require a minimum daily balance. If you sign up for direct deposit, your monthly service charge is reduced from $12.95 to $9.95. With Opportunity 100 Checking, you receive:

  • Surcharge-Free ATM access
  • Online banking, mobile app, and text options
  • Internet bill pay and mobile payment options
  • Coin machine transactions
  • eStatements

It’s important to note that you must open an account in person. Centennial Bank has several branch locations in southern Alabama. You will find them in Fairhope, Gulf Shores, Elberta, Orange Beach, and Foley.

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Central State Bank
Central State Bank does not use ChexSystems to verify new accounts, so this bank may be a good choice for you if your banking history is less-than-perfect. Out of their several different checking products, we recommend the Central Checking account which is their most straightforward option.

Central Checking includes a free ATM/Debit card, a smartphone mobile banking app, and even foreign ATM reimbursements! While the opening deposit is a steep $100, you won’t have to worry about any monthly service fees or minimum balance requirements.

Central State Bank is exclusive to Alabama and has several branches in Calera, Pelham, and Alabaster.

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CommonWealth Bank
If you’re struggling to open a checking account due to having bad credit or no credit, CommonWealth Bank has an answer for you. The Fresh Start Checking account can be the perfect way to get your financial life back on track or jumpstarted if you’re just beginning.

The Fresh Start Checking account comes with an ATM card, which can be used without a surcharge at the two CommonWealth branches, Publix stores, and all PNC branches. This ATM card is eligible for an upgrade to a traditional debit card after 90 days, pending an evaluation.

To open a Fresh Start Checking account, you’ll need to deposit at least $100 when you open the account and set up direct deposit. There is a standard $8.95 monthly fee and an additional $2.50 fee for monthly paper statements. The $2.50 fee can be waived if you enroll in eStatements. If you’re interested in more information or want to open a Fresh Start Checking account, visit either of CommonWealth Bank’s two locations in Mobile to get started.

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Discover Bank® Cashback Debit Checking Account
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.

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
  • Deposit cash at any Walmart — with no fees
  • Mobile check deposits
  • No deposit to open

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Family Security Credit Union
Family Security Credit Union members with difficult checking histories can rebuild their banking relationships through FSCU’s Give Me a Break Checking. By providing budgeting and financial management information, FSCU helps you on your journey to successful money management. The included free consultation with a financial counselor can help you build a strong plan for your financial future.

Members in good standing for 12 months can move up to a regular checking account. Although there is no minimum balance required, there is a monthly checking account fee of $10. Government and employer payroll checks are automatically deposited into your account. FSCU also offers:

  • Visa debit card with ATM access
  • Online banking through FSCU@HOME
  • Online imaging of cleared checks
  • Online bill pay

FSCU extends membership to over 10 counties and a list of eligible business employees as well. With over a dozen branch locations, you’ll find them in and around Albertville, Gardendale, Jackson, Muscle Shoals, and several other cities across Alabama.

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First National Bank
If you are looking to rebuild your credit score as well as improve your banking history, First National Bank may have a solution for you. They offer their On Us Checking account that will help improve your credit score if you use direct deposit and have an e-funds score below 586.

This account does not require a minimum opening deposit and includes a free debit card and online banking capabilities. They also require semi-annual credit counseling that can help you stay on track with your credit score and overall financial wellness.

There are three First National Bank locations in Alabama; two of them in Athens and one in Huntsville.

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Four Seasons Federal Credit Union
Four Seasons Federal Credit Union is based in Opelika and offers a second chance to those who have a rocky financial history. Their New Leaf Checking account offers you the chance to regain a positive relationship with the banking system and ultimately upgrade to a standard checking account.

This simple account has a low monthly fee of $8 and comes with a free Visa debit card. If you keep your account in good standing for 12 consecutive months, you can request to be upgraded to one of their fee-free checking accounts.

To get started with an account, you can visit their website to apply for membership online. All you’ll need is $5 to deposit into a savings account and you’re on your way to re-establishing yourself with New Leaf Checking!

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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 credit card, which has no annual fee or required 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 1% on all money in the saving vault up to $5,000.

Get a GO2bank account

GTE Financial
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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Gulf Winds Federal Credit Union
Anyone who has struggled to maintain a checking account in the past can face an additional struggle when they try to open a standard checking account. Gulf Winds Credit Union has a solution. If you’re ready to take control of your financial situation, their MyOpportunity Checking account can help.

For only a $25 minimum deposit, you’ll receive a Visa debit card, access to online banking, free all-hours phone banking, and free overdraft protection. The overdraft protection at Gulf Winds CU can save you from stalled purchases and overdraft fees by moving funds from another source into your checking account. There is no transfer fee or charge to use the service and it can keep you on track to maintain a healthy checking account!

Along with the opening deposit, there is a moderate monthly fee of $10.95 for the MyOpportunity Checking. In return, you’ll have access to over 85,000 fee-free ATMs, eStatements, and general account perks like bill pay and alerts! Visit any of the three Alabama Gulf Winds CU locations in Monroeville, Atmore, or Brewton for more information.

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Hope Credit Union
Hope Credit Union has a solution for anyone who is caught in the cycle of payday lenders or is seeking to rebuild their banking history and form better money-managing habits. Their Easy Checking account can serve as a great starting point for anyone who is just starting out or wants a second chance at banking.

Easy Checking accounts enjoy many of the same perks as Hope Credit Union’s other checking accounts. You’ll have access to unlimited paperless transactions, electronic transactions, free online banking and bill payment, free mobile banking, and free eStatements. There are also options to include overdraft protection on the account.

To open an Easy Checking account, you’ll need to make a $25 minimum deposit and maintain a minimum balance of $25 at all times. There is a monthly service fee charge of $9.95, but that charge can be waived if the account balance is kept at $200 or more. If you’re interested in opening an Easy Checking account or would like more information, Hope Credit Union has two different locations in Montgomery.

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Jefferson Financial Federal Credit Union
Jefferson Financial Federal Credit Union offers a clean slate to those who have a less-than-perfect banking history with their Second Chance Checking account. This account includes all the basics and can be an excellent first step in re-establishing yourself financially.

Second Chance Checking comes with a free Visa debit card and requires that you receive eStatements instead of paper statements each month. If you enroll in direct deposit, the monthly service fee of $11.95 will be reduced to $9.95. You can also access your balance any time of day via online banking.

Jefferson Financial FCU extends membership to anyone who lives, works, worships, or attends school in one of six eligible counties in Alabama. You can also join if you have a relative who is already a member or if you are an employee of one of their select employee groups. You can find their Alabama branch located in Selma.

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Liberty Federal Credit Union
Liberty federal credit union logoIt can be difficult to open a new checking account if you’ve struggled with managing one in the past. Liberty Federal Credit Union offers a solution to that problem with its Opportunity Checking account. With Opportunity Checking, you can get a fresh start on banking and the chance to form good checking account management habits.

Opportunity Checking grants many of the usual perks of traditional checking accounts. You can qualify for either an ATM card or a debit rewards card. If you choose the debit rewards card, Liberty Federal Credit Union also has a ScoreCard program that will allow you to earn rewards for purchases.

Opportunity Checking allows ten ATM withdrawals per month for free, free online banking and bill paying, and overdraft protection services. Additionally, if your Opportunity Checking account remains in good standing for 12 consecutive months, you’ll have the chance to upgrade to the Debit Rewards Checking account instead.

There is no minimum balance required in the Opportunity Checking account, but there is a $7.50 fee charged monthly. For more information, visit Liberty Federal Credit Union’s Birmingham location.

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MAX Credit Union
MAX Credit Union is another great option for those looking for a non-ChexSystems bank. Instead, MAX uses EWS and doesn’t pull a credit report during the checking account application process. The simplest way to get started with MAX is to apply for the Explore Checking account. All you’ll need is a valid form of ID, a social security number, and an email address to apply for an account.

Once approved, there’s no minimum balance or per check charges and the required opening deposit is only $50. With no monthly service fee and up to five waived ATM fees per month, this account is a truly free option. You can find several MAX locations in the greater Montgomery area.

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Mutual Savings Credit Union
Second Chance Checking with Mutual Savings Credit Union can help you enjoy all the benefits of a checking account while also helping you grow and maintain a positive banking history. They include a fair amount of free features for a moderate price.

This account includes free online and telephone banking services, a free Visa debit card, and of course free eStatements. However, they require a $100 opening deposit in addition to a steep monthly service fee of $16.95. With Second Chance Checking, you’re also able to set up direct deposit, payroll deduction, and automatic loan payments.

Mutual Savings CU services the central Alabama area, and extends membership to those who live, work, worship, or attend school within one of their 13 eligible counties. Their branches can be found in Alexander City, Brookwood, Calera, Clanton, Pelham, Riverchase, Selma, and Winewood.

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Lili | Quick Approval Small Business Banking
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.

Lili is a financial technology company, not a bank. Banking services provided by Sunrise Banks N.A., Member FDIC.

Open a Lili account now! Fresh Account
It’s a tall order to “Make People Happy” when it comes to banking, but that’s the stated mission behind

Powered by Liberty Savings Bank (established in 1889!), the 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. 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!

Navy Federal Credit Union
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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NorthOne | No Credit Check Business Account
NorthOne is a digital bank built specifically for businesses with 1-10 employees. In addition to dramatically streamlining the application process, NorthOne offers a business checking account with no credit check.

NorthOne Business Banking at a Glance

  • NO minimum monthly balance requirement
  • NO monthly fees
  • NO NSF fees
  • NO ACH transfer fees. Highest ACH limits of any digital bank
  • NO credit check or ChexSystems
  • FREE access to over 40,000 ATMs nationwide for cash deposits and withdrawals
  • FREE integrations with over 100+ popular tools
  • FREE perks and discounts on SMB software – over $5,000 in value
  • FREE bill payment software (replaces
  • FREE sales and revenue analytics software

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Banking Services

NorthOne doesn’t have any recurring fees or require a minimum account balance. The account includes all business basics: ACH payments, wire transfers, bill pay, debit card usage, mobile check deposits, and transfers. The only fee is $15 for wire transfers. You can even send a physical check straight from your phone for just $1, and NorthOne will print and mail it for you.

NorthOne also has access to faster money movement through connecting to the Same Day ACH and Real-Time Payments network, the latter allows deposits from popular payment processors (Amazon, Paypal) to clear immediately.

Financial Automation

Layered on top of the bank account, NorthOne offers 3 powerful financial automation products. First, they offer a full invoice and bill payment automation, where you send your bills and invoices directly to NorthOne, NorthOne uses AI to extract everything you need to pay and to whom and sets up the payment for one-tap approval.

Second, they offer revenue and sales analytics, where you can connect to the e-commerce or POS tools you use and see your gross revenue, transaction volume, and cost of returns in every one of your accounts, in real-time.

Third, they offer integrations with hundreds of third-party apps including Paypal, Stripe, Square, Etsy, Shopify, Airbnb, Amazon, Venmo, Toast, Uber, Lyft, Quickbooks, FreshBooks, Wave, Expensify, and many more. You can sync transaction details, collect payments, see and pay invoices, send payroll, pay contractors, and more through these integrations.

Application Process

NorthOne approves accounts 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.

In our opinion, the NorthOne no credit check business bank account is one of the most competitive business bank accounts for entrepreneurs and small business owners.

Open a NorthOne account today!

Novo | No Hassles Small Business Banking
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 NSF fees
  • ATM fee reimbursement up to $7/month
  • 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.

Open an account today!

Renasant Bank
Even if you have a negative ChexSystem history, Renasant Bank offers you conventional checking options. As long as you don’t have an account in bad standing with Renasant, you can choose from several checking accounts. We recommend Simple Checking if you’re looking for a straightforward account with no strings attached.

One of the convenient features of Simple Checking is the ability to use Renasant’s Mobile Wallet with Zelle, Apple Pay, and Google Pay options. If you opt to receive eStatements instead of traditional paper statements, your monthly fee of $10 is waived. Renasant Bank checking accounts come with:

  • Online banking with online bill pay
  • Mobile banking app access
  • Renasant Debit Mastercard
  • Unlimited check writing

Renasant Bank branch locations can be found throughout the state of Alabama in cities like Birmingham, Mobile, Huntsville, and many others.

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SouthState Bank
SouthState bank logoIf you’re looking for a simple checking account with no frills, the Direct Checking account at SouthState Bank is your answer. There are no overdraft protections or fees included with this account, which means that the money in your Direct Checking account is what you have available.

With Direct Checking, you’ll be able to use a debit card, enjoy online banking and bill pay, mobile banking and mobile deposits, and debit card fraud monitoring. There are also no fees for using an ATM if it is at a SouthState location.

For this simple plan, there is a $5 monthly charge and free eStatements. You’ll need to make a $25 minimum deposit when opening the account. However, SouthState Bank allows this checking account to be opened online with no minimum deposit at all! If you’re interested in learning more or opening an account at a physical branch, you can find SouthState Bank in Birmingham.

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Synovus Bank
Synovus will approve your checking account application by looking at your credit report instead of ChexSystems. Their friendly account specialists can help guide your checking account choice, but we recommend their Free Checking account as a good starting point to rebuilding your checking history.

WIth Synovus, you receive full access to your accounts through newly designed online experiences and an easy-to-use mobile app. All Synovus personal checking accounts come with:

  • Free unlimited ATM transactions at Synovus and Publix Presto! ATMs
  • Free Visa debit card with no annual fee
  • Apple Pay, Google Pay, and Samsung Pay compatibility
  • Overdraft protection options

Synovus Bank has locations across Alabama near most major cities including Birmingham, Mobile, Tuscaloosa, and Dothan.

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UNIFY Financial Credit Union
Right Start Checking from UNIFY Financial Credit Union is perfect for those starting out with a new checking account. You can easily open a UNIFY account online or in person with a $25 deposit. You aren’t required to have a minimum balance or direct deposit for this opportunity to build a positive checking account history.

All UNIFY checking accounts offer:

  • Free online eBanking
  • Free Visa debit card
  • Free UNIFY ATM access
  • Free online eStatements
  • No check fees

UNIFY FCU has one Alabama branch located in Huntsville. They are also in-network with several co-op shared branches where you’re able to make payments, transfers, check deposits, etc. These branches can be found in Selma, Prattville, Millbrook, Montgomery, Maplesville, Clanton, and Greenville.

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UnionState Bank
UnionState Bank does not use ChexSystems or EWS to view your banking history. UnionState feels that each customer is an individual with personal needs when it comes to banking. Their products are designed to make your life easier and more financially stable.

We recommend UnionState’s Freedom Checking. With no minimum balance or service charge, your only cost is the minimum opening deposit of $50. This account comes with:

  • Unlimited check writing
  • Free online banking and bill pay
  • Free eStatements
  • Unlimited Free ATM transactions at UnionState ATMs
  • Three Free ATM transactions per month at any ATM

UnionState has branch locations in Ashville, Cedar Bluff, Centre, Cropwell, Birmingham, Pelham, Pell City, Pleasant Grove, and Trussville. Visit UnionState today to open an account!

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The First Bank
The First Bank’s First Step program is designed for people who are looking for an opportunity to rebuild their credit and financial standing. Banks won’t always take a chance on those who have struggled with managing money, but the First Step Checking account offers a way to break that cycle.

The First Step Checking account offers free online banking, eStatements, and a debit or ATM card. There’s only a $15 deposit required to open the account and no minimum balance to keep up with. A low fee of only $3 is required every statement cycle. Also, if the account remains in good standing for 6 consecutive months, checking account holders can request a review and may be eligible to upgrade to a different type of checking account.

The other feature of the First Step program is called the First Step Loan. This is a loan of between $500 to $1500 offered to the First Step Checking account holders who meet certain conditions, including financial counseling, a minimum credit score of 550, and a debt-to-income ratio of <45%. Apply for the First Aid program at any of The First Bank’s many Alabama locations.

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United Bank
United Bank understands that customers sometimes need a second chance. Their Gateway Checking is perfect for customers with little to no credit. In only six months, United Bank offers Gateway customers to upgrade to another account with the option to earn interest or save on fees.

United Bank’s Gateway Checking does not offer a debit card or overdraft protection. There are a variety of check options available. Online bill pay can also be purchased for $4.95 per month. Gateway checking has a $10 monthly maintenance fee and offers:

  • Itemized statement and e-Statement options
  • Smartphone app with mobile check deposit
  • 24/7 BankLine Service and Account Alerts

You can find United Bank branches in over a dozen cities in Alabama including Atmore, Bay Minette, Flomaton, Frisco City, and Magnolia Springs.

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Varo Bank
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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Walmart MoneyCard
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 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!

Wells Fargo
Wells Fargo 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
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. The downside to banking with Woodforest is that they charge fees for services that most banks offer for free and you have to go into a branch location to open this account.

You can lower your Second Chance monthly maintenance fee from $11.95 to $9.95 by setting up monthly direct deposit. There are Woodforest National Bank branches located in Walmart stores throughout Alabama for your convenience. Woodforest also offers:

  • Online banking
  • A mobile banking app
  • Woodforest Debit Card
  • Overdraft solutions
  • Additional financial services to meet your needs

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Citibank Access Checking
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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Capital One 360 Checking
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

How The Overdraft Feature Works

The account offers two overdraft services. The first is a free savings transfer where you link your checking account to a savings account. If you overdraw from your checking account, Capital One will cover the charge by making a transfer from your savings account.

The second option is a no-fee overdraft where the bank approves recurring debit payments, check payments, or bill pay payments even if it results in a negative balance for your account. To qualify, you’ll need to receive at least $250 in direct deposits during two of the three previous months.

Customer Service

In the era of chatbots and customer service-by-email, Capital One stands out for its personalized customer service. Once you set up an online account, you can chat 24/7 with a live customer service representative. If you want to speak with a representative on the phone, you can call between 8 a.m. and 11 p.m. Eastern Time.

The website is laid out well and easy to understand. The smartphone app is also easy to navigate and has received 4.9 out of 5 stars in the Apple store and 4.6 out of 5 stars in the Google Play store.

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Did we leave your financial institution off this list of The Best No ChexSystems and Second Chance Banks and Credit Unions? Has there been a change in any of the listings? Please let us know.

Best Second Chance Banks by State

To find more information and additional options available in your area, select your state from the list below and explore your options.

Additional Chime Disclaimers:  Back to Chime Review 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

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.

3Customers are limited to three $1,000 cash deposits at Walgreens each day and $10,000 each month.

4Early 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.

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 September 20, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.

Additional Found Disclaimers:  Back to Found Review

1Direct deposit funds may be available for use for up to two days before the scheduled payment date. Early availability is not guaranteed.

2Found is a financial technology company, not a bank. Business banking services are provided by Piermont Bank, Member FDIC. The funds in your account are FDIC-insured up to $250,000 per depositor for each account ownership category. The Found Mastercard Business debit card is issued by Piermont Bank pursuant to a license from Mastercard Inc. and may be used everywhere Mastercard debit cards are accepted.

Additional Current Disclaimers:  Back to Current Review

1Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC and Cross River Bank, Member FDIC. Deposits held at Cross River Bank, Member FDIC, insured up to $250,000. Additional product disclosures can be found here.

Additional Walmart MoneyCard Disclaimers:  Back to Walmart Review

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 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 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 5/15/23.

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.

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