Second Chance Banking in Missouri

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Recently denied a checking account? Been told by your bank that your account has been closed? Just learned about a mysterious company called ChexSystems that helped determine your banking fate? You’re not alone. Over 150,000 households in Missouri are in the same boat.

The vast majority of Missouri banks and credit unions use ChexSystems to help them identify customers who have bounced too many checks, not paid the fees and charges for returned checks, or even committed fraud. If you’re blacklisted in the ChexSystems database, that record remains for 5 years!

The problem is that you can’t simply go to another bank or credit union to open a new account. That bank or credit union is using ChexSystems too!

Luckily, there are a few banks and credit unions in Missouri that understand your situation and want your business. They know mistakes happen and that good people need access to the financial system. Because the only other choices are check-cashing companies, payday loans, or stashing cash under your bed. These are horrible options that many of us believe are our only alternatives.

We’ve scoured Missouri for banks and credit unions that offer second chance checking accounts. And the good news is that there are several to choose from. Some are located in Missouri and others are national banks that offer very attractive accounts you can open online.

CheckingExpert has helped thousands of people just like you open second chance checking accounts. We’ve selected the best accounts in Missouri 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!

Second Chance Banking in Missouri for July 2024

Get an Account Today!

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.

Fees

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!

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. Found.com 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!

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!

U.S. Bank | Earn Up To $450 Cash Bonus
U.S. Bank is the fifth largest bank in the country with the majority of its 2,000+ branches located in 26 states mostly located in the west and midwest.

U.S. Bank does use ChexSystems but is generally more lenient if you haven’t been noted for fraud or owe the bank an outstanding balance.

You can earn up to $450 when you open a new U.S. Bank Smartly® Checking account and a Standard Savings account and complete qualifying activities. The offer is subject to certain terms and limitations and is valid through September 26, 2024. Member FDIC. Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.

Applying for an account is easy and takes less than 5 minutes. You’ll need to fund your account by making an opening deposit of $25.

U.S. Bank Smartly® Checking at a Glance

  • A U.S. Bank Visa debit card
  • Online banking and bill pay
  • Mobile banking and mobile check deposit
  • Send money with Zelle®
  • 24/7 customer support
  • No NSF charges for overdraft balances under $50
  • Access to U.S. Bank Smart Rewards® to reap additional benefits
  • No fees at U.S. Bank ATMs
  • No surcharge fees at 40,000 MoneyPass ATMs

States Where U.S. Bank is Available

If you live in one of the following 26 states where this account is available, you can apply online: AR, AZ, CA, CO, IA, ID, IL, IN, KS, KY, MN, MO, MT, NC, ND, NE, NM, NV, OH, OR, SD, TN, UT, WA, WI, WY.

Account Details and Costs

To get an account, you’ll need to make an opening deposit of $25. The monthly service fee is $6.95 but can be waived if you maintain a minimum balance of $1,500 or by having a combined monthly direct deposit totaling $1,000. You can also avoid the monthly fee if you are 24 and under, 65 and over, or a member of the military (must self-disclose) or qualify for one of the four Smart Rewards® tiers (Primary, Plus, Premium, or Pinnacle).

Banking Made Easy

The U.S. Bank Smartly® Checking account comes with one of the best mobile apps on the market. Over one million customers have given the app an overall rating of five stars. You can manage your entire account from a computer or your smartphone.

Get and Fund a U.S. Bank Account Today!

Acorns
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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America’s Credit Union
Do you need a fresh start? If so, America’s Credit Union offers a Flexible Checking account that can help you get back on track. To open the account, you just need $25 as an opening deposit.

Once the account is opened, there is no minimum balance required to maintain the account. We like this account because it comes with unlimited check writing privileges, access to online and mobile banking, and access to thousands of surcharge-free ATMs. There’s a moderate $15 monthly service fee that can be reduced to $10 if you sign up for direct deposit.

If you work for Kraft Heinz, Don Johnson’s Tobacco World, or Commercial Metals Company in Springfield, you are eligible to join America’s CU. To open an account, visit their website or their Missouri branch located in Springfield.

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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 the name may suggest, Armed Forces Bank offers accounts to anyone who is actively enrolled or retired from the U.S. Army. You can find branches located in cities including Branson, Colombia, Gladstone, Kansas City, and many others.

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Arsenal Credit Union
Rather than referring to ChexSystems, Arsenal Credit Union utilizes Telecheck when screening new applicants. Out of their several different checking account options, we recommend their Totally Free Checking account to anyone who wants to access their money with no strings attached.

With Totally Free Checking you won’t have to worry about any monthly service fees, debit transaction fees, or minimum balance requirements. Courtesy pay, fraud protection, and overdraft protection services are also included.

Arsenal CU extends membership to anyone who lives in one of six eligible counties. You can also visit their website to see a list of alternative ways to join. Their branches are located in Arnold and St. Louis.

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BancorpSouth
BancorpSouth has one of the best options if you want to get back on your feet fast. They offer a Budget Smart Checking account that rewards good financial behavior. With a Budget Smart Checking account, you can enjoy the ease of access to your funds with a debit card and free access to online budgeting tools to help you out.

With this account, you’ll also be eligible to level up to a regular checking account in as little as 12 months as long as no more blemishes pop up. This account costs only $5 monthly and requires a $25 deposit to open the account.

With plenty of locations, it will be easy to find a branch when needed. BancorpSouth has several locations in Missouri in and around Springfield.

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Bank of Kirksville
We like Bank of Kirksville because they offer accounts to anyone who can provide two forms of identification. They will not refer to ChexSystems, Telecheck, EWS, or a credit report to determine your eligibility for a checking account.

They offer over eleven different Checking Account options and provide very limited information about each account on their website. To figure out which account is right for your lifestyle and spending habits, you will need to contact them directly for more information.

As their name would suggest, Bank of Kirksville locations can be found primarily in and around Kirksville. They also have branches located in LaPlata, Downing, Memphis, Macon, and Moberly for your convenience.

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Banterra Bank
Banterra offers two options for second chance banking in Missouri. The Banterra Restart Basic and the Banterra Restart Checking accounts both offer the opportunity to open a traditional checking after establishing a good relationship with Banterra. The only difference between the two accounts is the ability to write unlimited checks with a Restart Checking account.

You can open a Restart account with an opening balance of $50. There is no minimum balance requirement. If you choose to direct deposit, your monthly service charge is reduced from $9.95 to $6.95. Both accounts offer:

  • Free direct deposits
  • Free digital banking
  • Free online statements
  • Free Visa debit card with a daily $750 merchandise limit and $300 cash limit

You can find Banterra Bank’s Missouri locations in Cape Girardeau and East Prairie. Visit their website or a branch nearest you to open an account!

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BOK Financial
Opportunity Banking through BOK Financial is a checkless account giving you instant access to your money. Designed to offer you a second chance at checking, Opportunity Banking can be linked to a savings account to take advantage of the QuickSave program. Your savings grow without you knowing it when purchases are rounded up to the nearest dollar with the difference automatically deposited into your savings.

Although you don’t have access to checks, Opportunity Banking provides easy access to your money through a free Visa debit card. We like that the account has no overdraft or insufficient funds fees. You can also keep track of your account online and through a convenient mobile app. To get started, there is a $25 minimum initial deposit as well as a $5 monthly service fee. If you enroll in direct deposit, the fee is reduced to $5 each month.

BOK Financial has two locations in Missouri for your convenience. You can find them in Lee’s Summit and Kansas City.

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Cape Regional Credit Union
Cape Regional Credit Union is another option for those who have had issues in the past with getting a checking account. They do not use ChexSystems, Telecheck, EWS, or a credit report when you apply for an account. All that is required when you apply are two forms of ID. It’s important to note that one form of ID must be government-issued.

Cape Regional CU has a limited internet presence, but they do offer a Checking Account for day-to-day spending. The account comes with a debit card, online banking, and access to notary services. To open an account, you will need $25 for an initial deposit.

To become a member of this credit union, you must live or work in Cape Girardeau County. You can also join if you have a relative who is already a member, or if you work for one of their select employee groups. You can find their two branches located in Cape Girardeau and Jackson.

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Central Bank of Kansas City
Central Bank of Kansas City is a non-ChexSystems bank that only requires two forms of ID when you apply for a checking account. They require that at least one form of ID is government-issued. Out of their several different account options, we recommend eBanking if you prefer a low-cost account that comes with all of the necessities.

eBanking includes a free Visa debit card, online banking access with bill pay, and access to surcharge-free ATMs. This account requires that you enroll in eStatements and deposit at least $100 into the account at the time of opening. If your balance remains over $100 and you use only eTransactions, they will waive the $7 monthly service charge.

As the name would suggest, Central Bank of Kansas City has two locations in Kansas City. Contact a branch nearest you to get started!

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Central Communications Credit Union
If you have been turned down for a checking account in the past due to a negative ChexSystems report, Central Communications Credit Union may be a good option for you. Instead of looking at ChexSystems, Telecheck, or EWS, they use a credit report to determine if you’re eligible.

As long as your credit score is at least 549 and there aren’t too many negative entries on your report, you should have no problem getting an account. They offer Kasasa Checking Accounts that reward you for using your account! To qualify for cashback or interest-earning rewards, you must meet the following requirements:

  • Use your debit card at least 12 times per cycle
  • Enroll in eStatements and online banking
  • Use direct deposit at least once per cycle

Even if you do not meet the requirements each month, the account is still free. To get started, you will need to become a member of Central Communications CU. They offer membership to anyone who lives or works in Jackson or Clay Counties. You can also join if you work for one of their select employee groups.

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Chester National Bank
Chester National Bank is another example of a non-ChexSystems bank that uses Telecheck instead. Out of the four checking accounts they offer, the Regular Checking account is the simplest option with the least requirements.

There is a required opening deposit of $50 and a monthly service fee of $5. The service fee can be waived if you have a daily balance of $500 or more in your account or if you keep a daily balance of $1,000 in your savings account each month.

We like Chester National Bank because you’re able to apply for an account directly through their website. You can also visit their Missouri branch located in Perryville if you prefer to apply in person.

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Columbia Credit Union
Columbia Credit Union understands that everyone makes mistakes. Their Fresh Start Checking gives members the option to rebuild their account management histories. The included SecurLOCK Equip mobile app gives you complete control of your checking account. You choose when, where, and how your debit card is used. You can turn your debit card on and off, set transaction spending limits, and receive instant transaction alerts.

The Fresh Start Checking account has no minimum balance requirement. You also receive free monthly eStatements, access to online banking, and a free personalized Visa debit card. It’s important to note that there is a moderate $15 monthly service fee.

To become a member, you must live or work in Boone County or have a close relative that is an existing member. Columbia CU has one stand-alone location in Columbia on Walnut Street.

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Community Bank and Trust
It is known that Community Bank & Trust will not look at your ChexSystems record, but rather two forms of ID when you apply for a checking account. Their Absolutely Free Checking account is great for anyone who wants the benefits of a checking account without having to pay fees.

We like this account because it offers some nice perks like a free debit card, access to mobile banking, and a free thank you gift when you open an account! All that is required is a $50 minimum opening deposit. They will also buy back old checks and debit cards that you have from previous banks.

You can contact one of their Missouri branches located in Neosho, Joplin, Granby, Anderson, Seneca, Carl Junction, Diamond, and Carthage to see if Community Bank & Trust will be a right fit for you!

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Concordia Bank
If you’re looking for a true second chance account, look no further than Concordia Bank. Their Second Chance Checking account is designed for those who have been turned down in the past and are looking to rebuild a positive banking history.

To get started, all that you will need is $100 as an initial deposit. From that point, there are no minimum balance requirements to worry about. There is also a moderate $10 monthly service charge for this account. You will also gain access to online banking, a mobile smartphone app, and savings account options.

Concordia Bank has four branches located in Concordia, Laurie, and Odessa. Contact one of their New Accounts Officers to get started with an account!

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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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Electro Savings Credit Union
Fresh Start Checking through Electro Savings Credit Union makes getting back on your feet simple. Opening an account is easy with no minimum deposit or monthly balance. Membership is open to Missouri residents of St. Louis County, St. Charles County, Jefferson County and Franklin County. All you need is a $1 savings account deposit to join.

Designed for individuals who don’t qualify for traditional checking accounts, Fresh Start Checking comes with free access to financial education resources, including free financial counseling, seminars, and online courses. There is a moderate monthly fee of $10. Electro Savings CU also offers:

  • Shared branching and free ATM access through the CO-OP Network
  • Free online banking and bill pay
  • Free mobile banking and mobile deposit
  • Free ATM card with debit card privileges after 90 days

To get started, you can apply for membership online or visit one of their branches in Maryland Heights, Wildwood, Manchester, and St. Louis.

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First Community Credit Union
When you apply for an account at First Community Credit Union, all that is required are two forms of ID, one of which must be government-issued. If you have a negative history with ChexSystems, Telecheck, EWS, or credit agencies, this may be a great option for you.

We like their Checking 1 account because it covers all of the basic needs. The account comes with a free debit card, online and mobile banking, and access to fee-free ATMs. There is also no monthly service fee or required opening deposit. If you want more rewards, check out their Cashback Checking account. It has all of the same benefits as Checking 1 and gives you cash back on everyday purchases!

First Community CU extends membership to anyone who lives or works in St. Louis, St. Charles, Jefferson, Warren, or Franklin counties. You can also join if you work for an eligible business or have a family member who has already joined. There are many branches in Missouri in cities including Bridgeton, St. Louis, Richmond Heights, and several others.

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First Missouri Credit Union
If you’ve had previous mishaps with a ChexSystems bank in the past, First Missouri Credit Union offers an alternative. Rather than using ChexSystems, they utilize Telecheck to determine if you’re eligible for a checking account.

We recommend their E-Account Checking because it offers all of the basics at a low cost. With the account you’ll receive free eStatements, online banking with bill pay, and access to a coin-counting machine. There is a monthly service fee of $7 that can be waived by enrolling in eStatements and using their online bill pay feature three times per month.

First Missouri CU extends membership to anyone who lives or works in Jefferson or St. Louis Counties. You can also join if you have a family member who is already a member. All it takes is a $25 initial deposit into a savings account. Visit one of their branches in St. Louis to apply!

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First National Bank
First National Bank does not use ChexSystems when screening new applicants. Instead, all they require is a government-issued ID and social security number. You have a good chance of being accepted as long as you don’t owe First National Bank any money and no red flags pop up when they run your information through their system.

While their internet presence isn’t particularly vibrant, they offer a free checking account called Now Checking. All it takes to get started is an opening deposit of $100. The account includes all of the necessities like internet banking access, a 24 hour ATM, direct deposit, and interest earned on balances over $500.

To get started, visit their branch in Nevada, Missouri or contact one of their employees if you would like to learn more about the details of Now Checking!

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First State Community Bank
New Opportunity Checking from First State Community Bank is perfect for those looking for a fresh start. You can begin a path to financial independence with only a $50 opening deposit. There is a monthly fee of $9.95, but it is reduced to $7.95 with direct deposit.

The included FSCB MasterCard debit card comes with an easy savings option. Through Pocket Change Debit Savings, your transactions are rounded to the nearest dollar with the difference deposited into your savings account. You are also given the option to easily lock your debit card from your mobile banking app. With New Opportunity Checking, you also receive:

  • Free online and mobile banking
  • Free bill pay
  • Easy status updates with text alerts
  • Access to MoneyTrack Online Financial Management

You can apply for the account directly on their website or visit one of their many branches in cities including Bonne Terre, DeSoto, Gerald, Jackson, Owensville, and plenty of others!

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GO2bank
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

Goetz Credit Union
Rather than using ChexSystems, Goetz Credit Union utilizes Telecheck to determine your eligibility. Even if you have negative entries on Telecheck, there’s a chance you’ll still be able to get an account. As long as there is no indication of fraud on your report and you don’t owe Goetz CU any money, you should be good to go.

They offer one general Checking Account that comes with access to online banking, MasterCard debit cards, unlimited check writing, and even free overdraft protection! We like this account because there are no monthly service charges and you’re able to be paid dividends on your account balance.

Goetz CU offers membership to anyone who lives or works in Platte, Buchanan, or Andrew Counties. You can also join if one of your family members is already a member. To establish your membership, all that is needed is a $25 deposit into a savings account. Visit their branch in St. Joseph to get started!

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Great Southern Bank
Great Southern Bank offers a simple checking solution for those in and around Springfield. If your checking history is holding you back, their Second Chance Checking account can be a great opportunity to quickly establish a positive banking experience. All it takes to open an account is $25. There is no minimum balance for this simple, no-frills account.

Great Southern’s Second Chance Checking account is a stepping stone to traditional checking. A free Visa debit card gives you easy access to your money. Deposits must be cash, direct deposit, or wire transfer. You cannot cash checks, write checks, or use online bill pay with this account.

Moving to a traditional checking account with full features is simple. All you need is a positive account balance for 60 days and the completion of six FDIC Money Smart online classes. You can apply for the account online or in-person at one of their branches in Springfield, Ozark, Nixa, Willard, Republic, and several other cities in Missouri.

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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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Health Care Family Credit Union
The Fresh Start Checking account from Health Care Family Credit Union provides members with a second chance to build a strong financial future. There is no minimum balance required for this quick and convenient checking option. You simply fill out a membership account agreement to join HCFCU, open your account with a $50 initial deposit, and set up the free direct deposit.

Fresh Start Checking has a $10 a month checking fee, but once you establish a good checking relationship, you can switch to a free account after 12 months. HCFCU Fresh Start Checking offers members:

  • Free online banking
  • Overdraft protection when linked to a savings account
  • Unlimited check writing
  • Convenient 24-hour telephone banking

You can fill out an online application or visit one of their branches in Richmond Heights and St. Peters if you prefer applying in person.

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Kansas City Credit Union
Rather than using ChexSystems, Kansas City Credit Union utilizes Telecheck when screening new applicants. In addition, they also offer a second chance account called My Better Chance Checking if you do not qualify for a traditional checking account.

It’s important to note that My Better Chance Checking requires direct deposit and eStatements. There is also a moderate $10 monthly service fee. To apply for the account, you can visit their website to apply online or visit one of their branch locations.

Kansas City CU offers membership to anyone who lives, works, or worships in Jackson, Cass, or Clay Counties in Missouri. Once you’re approved, you will just need to deposit $25 into a savings account. Their branches can be found in Kansas city and Gladstone.

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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!

Montgomery Bank
Second chance checking at Montgomery Bank is a good option for those with difficult financial histories. If you’ve been turned down by other institutions, a Montgomery New Start Checking account may be your answer. Their New Start Checking account is simple and requires only $20 to open.

There are no minimum balances or monthly service fees with New Start Checking. You can open an account in person at one of the convenient locations in Cape Girardeau, Jackson, St. Louis, Sikeston, Bridgeton, Chesterfield, Des Peres, and Webster Groves. New Start Checking through Montgomery Bank includes:

  • Free debit card
  • Free online banking
  • Free bill pay
  • Free direct deposit
  • Free telephone account access

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mph.bank Fresh Account
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

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. With no checking 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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Neighbors Credit Union
If your main issue is with ChexSystems and the rest of your financial standing seems to be somewhat healthy, Neighbors Credit Union may be a viable option for you. They utilize Telecheck and a credit report when you apply for a checking account. As long as there is no indication of fraud and there aren’t too many negative entries, you should be good to go.

We like their Simple Checking account because there are no minimum balance requirements, no monthly fees, and no per-check charges! The account is truly simple and free to maintain. You will also receive a free Visa debit card, access to thousands of co-op shared branches, and money management tools to help you stay on track with your finances.

Neighbors CU extends membership to anyone who lives in one of six eligible counties in Missouri. Visit their website or one of their branches located in St Louis, Ellisville, Fenton, Florissant, Jennings, Manchester, and St. Peters to see if you’re eligible!

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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 bill.com)
  • 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!

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The Seymour Bank
If you have a less-than-perfect history with ChexSystems but haven’t been reported to Telecheck, The Seymour Bank offers an account that could be suitable for you. They primarily use Telecheck to determine your eligibility for an account.

Out of their several account options, the E-Checking account is their simplest and most popular option. All that is needed to open the account is an initial $100 deposit. From there, you won’t need to worry about any minimum balance requirements or monthly service fees. The account also includes a free debit card and access to online banking.

The Seymour Bank has several branches in Missouri including the cities of Seymour, Marshfield, and Rogersville. Stop by a branch nearest you to get started!

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Sherwood Community Bank
Getting an account at Sherwood Community Bank may be a great option for anyone looking for a second chance. Instead of using ChexSystems, Telecheck, EWS, or even a credit report, they only require you to provide two forms of ID. It’s important to note that one form of ID must be government-issued.

We like their Free Green Checking account because it is super affordable and provides you with all of the necessities. You’ll receive a free debit card with unlimited transaction access to online banking. There are no minimum balance requirements or monthly service fees. We like this account because all it takes to open is an initial deposit of $1!

You can find Sherwood Community Bank branches located in Creighton, Urich, Garden City, and Harrisonville. Visit their website or a branch to learn more and apply for an account!

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St. Louis Community Credit Union
St. Louis Community Credit Union takes pride in being understanding. Their Freedom Checking offers you an account with the ability to grow. After just 60 days of good standing, you can qualify for overdraft privileges up to $200. In as little as six months, you can even qualify to upgrade to a traditional checking account.

To get started, you will need to apply for membership and deposit at least $1 into a savings account. You can apply for membership online or visit one of their branches in the greater St. Louis area. You can find branches in surrounding cities like Jennings, St. John, Ferguson, Florissant, Sullivan, and several others.

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Town & Country Bank
The Take Control Card Account from Town & Country Bank is a simple card only account. Your money is easy to access through a free debit card which allows both purchases and cash withdrawals. With an opening deposit of $50, you aren’t required to maintain a minimum balance. The low service fee of $4.95 and overdraft blocking features keeps your costs low.

You can also work to rebuild your credit while strengthening your banking relationship. Town & Country offers additional credit monitoring services as part of the Smart Solutions Package for $5.99. The Take Control Card Account gives you easy access to your money through:

  • Free eStatements
  • Free online banking with bill pay
  • Free smartphone mobile banking app
  • Free ATM access through the MoneyPass Network

You can find Town & Country Bank branches in cities including Salem, Licking, St. James, Rolla, and Bourbon. Visit their website or a branch nearest you to get started!

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United Consumers Credit Union
Members of United Consumers Credit Union are given a blank state to begin rebuilding a banking relationship through the Second Chance Checking account. With many of the features of traditional checking, the account has no minimum balance after the initial deposit of $100. After a year of good standing, United Consumers offers you the option to switch to a standard checking account.

For a $10 minimum monthly fee, you receive unlimited check writing and a free debit card. As part of a credit union system, you have access to multiple shared branches. Second Chance Checking also offers free digital banking and direct deposit.

To apply for the account, it’s important to note that you’re required to apply in person. United Consumers CU has branches in Independence, Raytown, St. Joseph, and Olathe. Membership is available to anyone who lives in Jackson, Buchanan, Cass, and Clay Counties. There are other ways to join, so be sure to visit their website to see if you’re eligible!

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United Credit Union
Restore Checking from United Credit Union is a top pick for individuals without a fraud report on the ChexSystem. UCU’s second chance checking option offers many of the same features as standard accounts, but with a slightly higher monthly fee of $10. After six months of good standing, a standard account with zero monthly fee can be opened.

In order to open a Restore Checking account, you will be required to deposit $50 into checking and $50 into savings. There is no minimum balance for your checking, but you are required to keep $50 in savings. Restore Checking offers:

  • Free debit card
  • Free online access
  • Free bill pay
  • Electronic or paper statements
  • Free UCU ATM transactions
  • 5 free outside ATM transactions

United Credit Union has branches in Mexico, Vandalia, Moberly, Troy, Columbia and Fulton.

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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 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!

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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Wood & Huston Bank
Wood & Huston Bank offers you a chance to reboot your finances with a second chance checking account. Their StartFresh Checking aims to help you gain your financial footing and save money. If you sign up for direct deposit, there is a low monthly fee of $6.95.

Unlimited check writing and no minimum balance makes StartFresh Checking an attractive choice. This modern bank allows you to have full control over your free Visa debit card. You can use the CardValet to turn your debit card on and off. Other features include:

  • Free online banking and bill pay
  • Free eStatements
  • Free 24-hour telephone banking
  • Upgrade to regular checking after 18 months

Wood & Huston Bank has branches located in Marshall, Higginsville, Cape Girardeau, Jackson, Sedalia, Springfield, and West Plains.

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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.

Learn More

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 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.

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 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 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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