Second Chance Checking Accounts in California

Free Directory of Non ChexSystems Banks & Credit Unions


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Second Chance Checking Accounts in California

MySecondChanceChecking provides you with a free directory of local no ChexSystems banks and credit unions that may be providing second chance checking accounts in California. These are real FDIC insured banks and NCUA insured credit unions that are offering real checking accounts with check writing privileges.

To increase your chances of acceptance, we recommend that you pay all outstanding debts to all banks or credit unions that you owe money to. We understand that this may be expensive, but this is imperative, because it shows the prospective bank that you have worked to honor your debts and will make them feel more secure about doing business with you.


While the banks have been reported to either work with consumers listed in ChexSystems or Early Warning Services or not use one of the account verification services, MySecondChanceChecking does not make any promises or guarantees about your ability to get a checking account at any of the banks, credit unions or other financial institution that is listed on our site.

Non ChexSystems Banks in California

100% Guaranteed Opportunities
If your unsure about your ability to get a checking account or are looking for a temporary banking alternative until you can get an account at a local bank or credit union, then you should be checking out the available prepaid options. While some people look down upon prepaid cards, you should realize that they offer 100% guaranteed approval and as long as you choose the right card, can be a better deal than any account most banks offer.

My Second Chance Checking highly recommends the Rush prepaid debit card. Our reasoning behind this recommendation is due to their longevity in the prepaid market, the FDIC insurance (just like local banks) and free online bill pay to help you manage your money and make sure your bills are paid on time. However, the one thing we like best about Ready Debit is the fact that they do not nickle and dime you every time you turn around. In fact, the monthly fee is only $5.95 (Yearly cost of only $71.40 – Compare to banks like 5th 3rd, US Bank, BB&T and others) Take a look at just a few of the benefits offered by Rush below –

  • No ChexSystems or Early Warning Services checks
  • FREE online bill pay
  • No credit check or bank account required (ID verification required)
  • No overdraft fees
  • No minimum balance required
  • 100% Guaranteed Approval (after ID verification)
  • Monthly fee of only $5.95 (Rush Unlimited Plan)

Get your 100% Guaranteed Approval (Upon Successful ID Verification) Rush Prepaid Debit Card Now

No Guarantee Opportunities
The following banks and credit unions are reported to either offer second chance checking in California or do not use check verification services such as Early Warning Services or ChexSystems. (all links open in a new window/tab)

1st United Service Credit Union
Alta Vista Credit Union
Altura Credit Union
Bank Of The West
Butte Federal Credit Union
California Coast Credit Union
CD Federal Credit Union
CoastHills Federal Credit Union – 2nd Chance Checking
Federal Employees West Federal Credit Union
Heritage Community Credit Union
Kern Federal Credit Union
MCFCU
San Mateo Credit Union – New Start Checking Account
Southland Credit Union
Telesis Credit Union
Union Bank Of California
United Health Credit Union – Renew Checking Account


Do you know of other local banks and/or credit unions in California that offer second chance checking accounts? If so, please provide the bank details by contacting us here. Doing so will allow us to maintain our listing of non ChexSystems banks in California and helps hundreds of consumers across California.

ATTENTION BANKS & CREDIT UNIONS – If your bank does not provide second chance checking in California or you want to be removed from this list, please click here and we will remove your bank ASAP.