Massachusetts Second Chance Checking Accounts


If you are in ChexSystems or EWS in Massachusetts open a new account at a Massachusetts second chance bank. There’s no reason to go without a bank account when there are banks in Massachusetts that don’t use ChexSystems.

Get a fresh start at checking with a traditional bank in Massachusetts.

Roughly 2 percent of Massachusetts households are “unbanked,” meaning they don’t have checking or savings accounts, according to a 2017 survey by the Federal Deposit Insurance Corporation. An additional 18 percent are considered “underbanked” because they have bank accounts but still use alternative financial services like check cashers.

Being unbanked in Massachusetts means paying check cashing stores, purchasing money orders or depending on a prepaid debit card. Plus, if you use cash to pay bills you can lose or misplace receipts. Using a bank to conduct financial transactions is safer and more convenient — plus saves you money on fees.

It’s no fun to fork over part of your paycheck to get cash and money orders. Check cashing fees can range from 2 percent for payroll checks up to 10 percent for personal checks.

Take advantage of second chance checking in Massachusetts. If ChexSystems, EWS or imperfect credit has kept you from opening a new bank account, get a fresh start with second chance checking accounts in Massachusetts.

Here is a comprehensive list of Massachusetts second chance checking accounts and Massachusetts banks that don’t use ChexSystems:

Massachusetts 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.

OneUnited Bank

OneUnited Bank has several checking accounts available for anyone in the country. The minimum opening deposit is $50 and the monthly maintenance fee is $12. OneUnited Bank has multiple branches in Massachusetts, including Boston, Roxbury, and Dorchester. Open online today.

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®.

Alden Credit Union

Alden Credit Union offers a second chance checking called No Boundaries Checking. The checking account is designed for members who need help rebuilding their financial lives. The account requires a $10 opening deposit and has a monthly service fee of $7.50. Other features include online banking, free bill pay, free notary service and an ATM card.

Hope Community Credit Union

Hope Community offers an account called “Easy Checking” for those reported to ChexSystems and those with a credit score of less than 600. There is a $9.95 a month if a balance of $200 is not maintained. Account holders get unlimited paperless transactions.

Millbury Savings Bank

Milbury Savings Bank offers several checking accounts and only proper identification is required. Checking account features unlimited check writing with no per-check fees, free paper statements or eStatements, free online banking, mobile and telephone banking.

My Mutual Bank

My Mutual Bank does not use ChexSystems, only proper identification is required. Checking accounts feature no minimum balance, no monthly service charge, free unlimited ATMs worldwide*, no per item charge, debit card, free online banking and free bill pay.

Rollstone Bank & Trust

Rollstone Bank & Trust does not use ChexSystems but proper identification is required. The checking account offers no minimum balance requirements, no monthly fees, bill pay and mobile banking.

Tremont Credit Union

They offer Second Chance Checking with a monthly maintenance fee of $7.50. You must maintain a $50.00 average minimum daily balance.

Webster Bank

They offer Second Chance Checking called Opportunity Checking. The minimum deposit required to open is $50. The account features a free Visa® Debit Card, online banking and bill pay and e-statements. There is a monthly service charge of $16.95 ($11.95 with direct deposit).

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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