If you are in ChexSystems or EWS open a new account at a Georgia No-ChexSystems bank today. Get back into banking. Some credit unions in Georgia even offer second chance checking and there’s always the option of online checking accounts at No ChexSystems banks.
According to a FDIC national survey, Georgia is one of the top states leading in unbanked households at 11.5 percent. Living without a bank account can be expensive especially if you depend on alternative financial services such as check cashing stores.
Get back into banking. A negative ChexSystems record can remain 5 years unless you successfully dispute ChexSystems to get it deleted. For consumers with an EWS record, it can last for 7 years unless you’re able to successfully dispute EWS.
Small Banks and Credit Unions in Georgia may have second chance checking accounts or may be a Georgia Non-Chexsystems Bank. More choices also exist at larger nationwide No-ChexSystems Banks and 2nd Chance Checking Accounts that will give you an opportunity to get back into banking.
Georgia Second Chance Checking
BBVA Compass offers an online checking account with No ChexSystems. It’s a fee-free account that makes it easy to manage your money on the go with mobile banking. You can access your account for free through a computer, tablet or smartphone. Another great perk with this second chance bank account is that you not only get to access BBVA Compass ATMs for free, you also get free access to the AllPoint ATM network, which includes more than 55,000 ATMs nationwide.
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 Compass or Allpoint® ATM
- Compass Bank, Member FDIC
BBVA Compass offers great features with the ClearChoice Money Market Account like mobile check deposits, direct deposit, bill payment and ATM banking at BBVA Compass ATMs. The account requires a deposit of $25 to open. A money market account is like your basic savings account – the higher your balances, the greater your interest-earning possibilities. Open today.
Chime Bank 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. If you need a check written, Chime Bank will create and mail a paper check for you at no charge. No opening deposit required. If you open a savings account too, you can save money when you make a purchase or pay a bill with your Chime Visa® Debit Card. Chime will round up transactions to the nearest dollar and transfer it to your savings account.
Georgia Non ChexSystems Banks and Fresh Start Checking
Associated Credit Union does not use ChexSystems, they use an Equifax credit report. They offer two checking accounts, the Associated Checking and Simple Checking. Both accounts require a minimum $25 to open.
Community Bank & Trust offers a checking account called “Second Slice.” Community Bank & Trust is a Georgia second chance bank option. The minimum required to open the Second Slice account is $100. You get unlimited check writing, ATM Card, access to mobile banking apps, e-statements and direct deposit is available.
Visit DOCO Credit Union to inquire about a special account designed for members who truly need a fresh start.
Find a Second Chance Bank Account in Georgia at Excel Federal Credit Union. Excel Credit Union offers a Fresh Start Checking Account designed for those who are working to reestablish their credit. There are fees associated with this account. You must speak with member services for more information and to see if you qualify.
First State Bank has an Access Checking account with a $10 monthly service fee. It requires a $100 minimum deposit to open. Maintain a $1,000 average daily balance or have $500 in Direct Deposits to avoid the $10 monthly service fee.
Georgia United Credit Union offers a Restart Checking Account for members looking for a second chance at banking. There is a $12 per month fee for the second chance checking account. The minimum opening deposit is $25 and direct deposit is required.
The “Resolution Checking” is designed to help re-establish financial stability for members who have had previous credit problems and are not eligible for other checking accounts. You must speak with Georgia’s Own representatives for details and important account features.
Visit Members United Credit Union to inquire about the Second Chance Checking account designed to help repair a poor checking history.
A Fresh Start Checking Account is available to people in ChexSystems. Account holders have access to a debit card but there is a monthly checking fee. After the account has been open for 12 consecutive months, the member may request to have their account changed to either a Basic or Premium Checking Account.
You can have a Chexsystems, Telecheck or EWS record but there must not be any money owed to Renasant Bank. Checking accounts offer free online bill pay along with mobile banking. You should apply online.
The Second Chance Checking account at Robins Federal includes many of the same features as the Classic Checking account, but is designed to help rebuild your financial history and put you on the path to a bright financial future. Some of the features include a monthly service fee of $10, unlimited check writing, free Visa debit card, free online banking, mobile banking and after 12 months of good account management you will be eligible to apply for a Classic Checking. The minimum required to open the Second Chance account is $50.
There are several accounts available to people in ChexSystems because they only require proper identification to open an account. The Regular Checking Account requires a $100 opening deposit. Should your balance falls below $500 on any day in the month, your account will be subject to a $5.00 maintenance fee for that month.
Seaside Island Bank has an Access Checking account with a $10 monthly service fee. It requires a $100 minimum deposit to open. Maintain a $1,000 average daily balance or have $500 in Direct Deposits to avoid the $10 monthly service fee.
The Heritage Bank does not use Chexsystems, Telecheck or EWS. The account must be opened in-person and only proper identification is required. Several different checking accounts are available but the one with no monthly maintenance is called “Connect Checking”. The minimum deposit to open is $50.
Woodforest offers a “Second Chance” account. The minimum opening deposit is $25.00. There is a monthly service charge which breaksdown as follows: $7.95 with direct deposit(3); $9.95 without direct deposit and a $9.00 one-time account set up fee.
You may want to review a List of Second Chance Checking Accounts and Non-ChexSystems Banks in other States.