Did you know that there are more than 55 milliom Americans who are considered un-banked or underbanked due to being listed in the ChexSystems or Early Warning Systems database? Welcome to Get Second Chance Checking, a free consumers resource for the millions of Americans that need a second chance checking account but are not sure where to turn or what to do.
Our goal is to provide consumers with a free resource to help them find banks offering second chance checking accounts so that they can have a way to manage their money and build the foundation for a stronger financial future.
The banks listed in our directory either do not use new account verification services or offer special second chance checking accounts to consumers who may be listed in ChexSystems or Early Warning Systems.
100% Guaranteed Banking Alternatives
While the banks listed are viable options and have been reported to either be ChexSystems friendly or not using any account verification service, we can not guarantee that you will be able to get an account at any of the banks you find on our site and therefore we also offer the best guarantee banking alternatives available.
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Second Chance Checking Account Directory
The banks listed in our directory have been reported to offer second chance checking opportunities, be ChexSystems or Early Warning Services friendly or do not use any new account verification services when processing new accounts. However, please understand that we can not and do not make any promises or guarantees that you will be able to open an account at any bank listed on our site. All decisions are made 100% by the banks and are based upon their business needs and your personal financial situation.
Warning – When opening looking for second chance checking accounts, you should be aware of some of the shady practices being used by some of the banks. Practices such as holding deposits for as long as 21 business days before releasing your funds. Practices such as this make it difficult for you to use your money and are designed by the banks to generate fee revenue. If you find a bank listed on our site that employs such practices please let us know so that we can investigate and if necessary remove them from our directory.