Maryland Second Chance Checking Accounts


With a bank account there is no need to buy money orders, worry about carrying cash or pay a check cashing store part of your hard-earned money. Let’s face it, having a bank account is just more convenient. You can write checks to pay your bills, have a place to build wealth and enjoy other services like direct deposit, online banking and automatic bill pay.

If you’re living without a bank account due to prior negative account history with a financial institution, open a new account at a Maryland Non-ChexSystems Bank.

Maryland Second Chance Checking Accounts

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. 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. Bill payment and mobile check deposit also included, you can even deposit cash at some AllPoint ATM locations.

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. Deposit cash at some AllPoint ATMs.
  • BBVA USA, Member FDIC

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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. If you need a check written, Chime 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.

Maryland Second Chance Checking Accounts and Maryland Non ChexSystems Banks

Central Credit Union of Maryland

If you’ve had trouble with checking accounts in the past, the “Renew Checking” can help you get back on track. Renew Checking can give you a renewed opportunity to handle your personal finances. You must be established with net pay direct deposit and there is a monthly service fee. After 12 months of proper usage, you may reapply for a free CENTRAL checking account.

Clear Mountain Bank

Clear Mountain Bank offers two accounts. The “StartFresh First Step Account” requires a $50 minimum opening deposit and features a free Visa check card, free onine bill pay, online and mobile banking, a $9.95 monthly fee, $3.00 monthly discount with regular payroll direct deposit and after 12 months in good standing with a StartFresh First Step account, you may qualify and apply for a standard StartFresh Checking account. The “StartFresh Checking Account” offers the same features but after 18 months in good standing with a StartFresh Checking account, you may qualify and apply for a traditional checking account.

CommonWealth One Federal Credit Union

They offer a second chance checking which must be opened in the branch.

Greenbelt Federal Credit Union

Greenbelt Federal Credit Union uses Telecheck to open accounts. They offer a wide variety of financial products and services including a Share Draft Checking and Savings Account.

PNC Bank

PNC Bank offers the “Foundations Checking” for customers that are entering or re-establishing themselves in the banking system. The account is eligible for upgrade to a regular account in 6 months with good account management. There is a monthly service fee of $7 and a fee for a paper statement is $2 per month.

Premier Bank

They offer an account called StartFresh Checking. Customers get unlimited checking writing, a debit card, free online banking and bill payment. $50 minimum opening deposit is required. There is a $7.95 monthly service charge with direct deposit and $9.95 monthly service charge without direct deposit. After 18 months customers in good standing may qualify for a more favorable checking account at Premier Bank.

Security Plus Federal Credit Union

The “Revive Checking Account” is for members with past issues that prevented you from opening a checking account. The account features a minimum opening deposit of $25, a monthly service fee of $5.00 unless you have at least one ACH credit per month, access to a Visa debit card 30 days after you’ve opened your account and free smartphone and tablet apps.

United Bank

United Bank offers several checking accounts and they do have a free account for everyone. The “United FREE Checking offers No minimum balance; No monthly service charge; No per check charge; Unlimited check writing; United VISA® Check Card*; FREE Online Banking; FREE Bill Pay and eStatements. They do not use ChexSystems. The minimum opening deposit 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.

Washington Savings Bank

The Rewards Card Checking offers deposit of payroll or government benefit with a monthly fee of $4.95 and $7.95 per month without direct deposit, you’ll receive a checkbook and Mastercard® debit card with no overdraft fees or ATM fees! Free nationwide ATM access at over 55,000 Allpoint®.

Non-ChexSystems Banks by State

Second chance banking is available in all 50 States. Find additional options in your area and share the list of second chance banks with friends and family that may be unbanked.


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