Colorado Second Chance Banking: Open a new account today

If you are in ChexSystems or EWS open a new account with Colorado Second Chance Banking.

Even though Colorado fares better than the national average of unbanked or underbanked households in America there are still too many consumers in Colorado that do not have access to banks.

If you are unbanked in Colorado due to ChexSystems open check out our list of banks in Colorado that don’t use ChexSystems. It’s estimated the unbanked can pay from 1-10% of salary for check cashing services.

Whether you choose a bank or credit union, Colorado residents have several choices for banks in Colorado that don’t use ChexSystems. Take the time to build a solid banking relationship that will help you grow your money while maintaining a safe place to conduct daily expense transactions.

Colorado Second Chance Banking

BBVA Online Checking

BBVA offers an online checking account that utilizes EWS to verify new customers. It’s a no monthly Service Charge account that makes it easy to manage your money on the go with mobile banking.

BBVA has several locations throughout the state of Colorado. Customers enjoy free checking, unlimited check writing, cashback in categories like gas and groceries throughout the year. Free ATMs at BBVA and at 64,000 AllPoint ATMs in the network. Unlimited check writing, bill payment and mobile check deposit also included.

What else can you expect from this checking account?

  • Apply with only $25 opening deposit
  • No monthly Service Charge
  • Earn cash back on everyday debit and credit card purchases
  • Complimentary Online Banking and Mobile Banking, Bill Pay and Online Statements
  • No ATM withdrawal fees at any BBVA or Allpoint® ATM
  • BBVA USA, Member FDIC

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Langley Federal Credit Union

Langley Federal Credit Union is headquartered in Newport News, VA. Membership is open to people in ALL States. You must open a share savings account with a minimum of $5 in order to open a checking account. Earn a $30 checking account bonus if you complete 10 debit card transactions within 60 days of opening your account.

Smart Checking Account Details

  • $0 minimum opening checking account but you must open a share savings account with a $5 minimum deposit
  • No minimum balance and No monthly service charge.
  • Free mobile banking.
  • Access 55,000+ Allpoint ATMs Nationwide.
  • Free online bill pay.
  • Get paid up to 3 days early with direct deposit.

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Chime is primarily a spending account to conduct your daily expenses that anyone can open. Get paid up to 2 days early with early direct deposit. Other features include no overdraft fees and no monthly service fees. No opening deposit required. If you open a savings account Chime will round up transactions to the nearest dollar and transfer it to your savings account.

Academy Bank

This bank does use chexsystems but is known to be lenient. There are a variety of checking accounts to choose from. Plus, you can put your savings on automatic when you enroll in the Saving Cents program that rounds up your purchases and puts the change in your savings.


ChexSystems is used to screen accounts but for customers with direct deposit will be allowed to open an account if the records is less than $200 and at least 6 months old. For those of you without direct deposit they require the ChexSystems record not indicate fraud and it must be paid.

Bank of the West

Bank of the West does run a ChexSystems report but they have a second chance banking program called “Fresh Start.” Your Chexsystem listing must be older than one year and it cannot be for fraud. Basic checking has a $10 monthly fee but it is waived when you: Maintain an average monthly balance of $1000; Receive a direct deposit of $250; or Use your Bank of the West Debit Card for 10 or more purchases during each statement cycle.

Colorado State Bank and Trust

They offer Opportunity Checking designed to give you a fresh start from past financial challenges. The monthly fee is $9.95 with direct deposit and $14.95 without direct deposit.

Equitable Savings and Loan Association

They offer several checking account products, some of which earn interest. While they do not pull a ChexSystems report, they do pull a credit report if you apply for a debit card to go along with your checking account.

Liberty Savings Bank

If you’ve had financial problems in the past Liberty Savings Bank offers a Clean Slate Checking account. After 12 consecutive months of no NSF occurrences you can upgrade to a Liberty checking account of your choice.

Metrum Community Credit Union

Metrum credit union offers Second Chance Checking Accounts to those members who do not qualify for any standard checking accounts at other banks. The monthly service fee is $5 month. You may have to request the second chance checking account.

NuVista Federal Credit Union

NuVista Federal Credit Union offers the Last Chance Checking account. This checking account gives you the chance to build a banking relationship and then have the chance to move on to a no monthly fee checking account down the road. A $100.00 opening deposit is required and the monthly service fee is $10.

Key Bank

The Plus Check Cashing service is a type of second chance checking opportunity designed for customers who have been listed on ChexSystems.

Western Federal Credit Union

They offer a second chance account called Right Start Checking. Open with a $25 deposit and no minimum balance requirement. Pay no monthly or per-check fees and enjoy Overdraft Protection up to $250.

White Crown Credit Union

They do use Chexsystems but if the report does not show fraud and the reporting bank is paid, they will open the account, There should only be one reporting bank for best results.


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