Minnesota Second Chance Checking Accounts


Opening a bank account may require a good credit and banking history. Once you have an account with a traditional bank, you’ll be better able to manage your money and build wealth. And you can avoid the high cost of using alternative financial services like check-cashing stores and payday loans.

Many unbanked people do not have a checking or savings account due to bad credit or a troubled banking history. But there are banks and credit unions in Minnesota that will give you a second chance at banking. Here a few you can apply with online for a second chance checking account.

Minnesota 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.

Minnesota Non ChexSystems Banks

Gate City Bank

ChexSystems is not used to verify accounts. Your driver’s license number and Social Security number will be verified through Choice Point.

Westconsin Credit Union

They use a credit report to open accounts. The Foundations second chance account comes with an $8 monthly account fee, debit card use only—no checks will be issued.

Marine Credit Union

They offer a “Credit Builder Checking Account” if you’ve previously been turned down for a checking account. There is a $5 monthly fee.

American Federal Bank

They use a credit report to verify new accounts and offer a variety of checking account products.

United Savings Credit Union

They use a credit report to verify new customers.

Minnesota Valley Federal Credit Union

They offer second chance checking. All features are the same as the primary draft/checking account. $100 minimum balance to open the account plus a $2 monthly service fee if balance falls below $100.

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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