Second Chance Checking Accounts at Local Banks & Credit Unions
If you are one of the millions of un-banked Americans in need of a second chance checking account due to ChexSystems or Early Warning Services, you are in luck! MySecondChanceChecking welcomes you to our free consumer resource of banks and credit unions that offer second chance checking accounts to consumers just like yourself. We provide a free list of local banks and credit unions that you may be able to open a checking account with.
We have researched and developed a list of banks that offer special second chance checking accounts for consumers with a problem banking history. This means that your chance of being approved is greatly increased and while we can never guarantee approval with any bank or credit union, this is your best chance at getting an account at a real FDIC insured bank. While some sites charge you, we provide the information 100% free of charge. You get access to the banks and credit unions in your area that may be able to help you get a real FDIC insured (or NCUA insured if credit union) checking account.
Will I get approved? This is one of the most often asked questions and once again, we can not make any promises or guarantees, but our free list of second chance checking banks will greatly improve your chances of getting a checking account at a local bank or credit union near you.
Why would I not get approved? Well this could be due one of several reasons. From something as simple as the current business needs of the bank or credit union that your applying at to you still owing money to a bank to suspected fraud. One of the best ways to increase your chances of being approved is to make sure that all of the banks that are listed in your report(s) are paid in full. Unfortunately, if there is fraud or if the banks sees activity that causes them to think you were trying to commit fraud then you will not be approved. If you are worried about a fraudulent past, then the best thing to do is get the Rush prepaid debit card as this is currently the most affordable banking alternatives available. They will also help you manage and simply your finances by providing a safe place for your money and FREE online bill pay to make sure your monthly obligations are paid on time. Get more information about Rush prepaid debit card.
Are there any guaranteed options available? There are some guaranteed options available to you and we do highly recommend that you take advantage of one of these options until you are able to get an account at a local no ChexSystems bank or credit union in your area. The reasoning behind this is so that you have a way to manage your finances during this trying time in your life. A solid prepaid offer (such as Rush prepaid debit card)will give you a place to deposit your check as well as allow you to pay bills online and is safer than carrying cash. Do not worry about being scammed or high fees, because Rush does not nickle and dime you like the other prepaid offers. Get more information here.
Guaranteed Second Chance Checking Opportunities
Below we have listed the very best guaranteed banking alternative available. This is the most affordable option with the best record of customer service and they are well respected in the prepaid card industry. Once again, we highly recommend you find a solid banking alternative until you can find one of the local banks or credit unions offering second chance checking accounts in your local area. This will allow you to deposit your check, pay your bills and not have to worry about carrying cash every where you go. This is a low cost way to manage your money until you can get an actual checking account.
Rush prepaid debit card – The best available option for those looking for a guaranteed solution is the the prepaid debit card offered by Rush. Rush is safer than carrying cash, used everywhere Visa debit cards are accepted and you can get your pay or Gov’t benefits direct deposited directly to your card as well as completely manage your personal finances. Check out some of the other features below -
- No ChexSystems or Early Warning Services checks
- FREE online bill pay
- No bounced checks
- No credit check or bank account required (ID verification required)
- No overdraft fees
- No minimum balance required
- Monthly fee as low as $5.95 (Rush Unlimited Plan)
- much more
If your looking for the absolute best banking alternative until you can get an account with a local bank or credit union, get the Rush Prepaid Debit Card now.
If you are confident about your ability to get approved and are able to or have paid off all past due accounts owed, you can check out our list of second chance checking banks available in your state.
Before you apply for any of the second chance checking opportunities on our site, make sure that you are fully aware of all the fees involved and that you fully understand any special requirements that they may have for deposits or debit card use or check writing privileges. While we try to offer only the most affordable, reliable and scam free options, we do not and can not guarantee that what is being offered by any of the second chance checking banks and credit unions on our site.