Montana Second Chance Checking and Montana No-ChexSystems Banks


While Montana has a relatively low percentage of unbanked and underbanked households, 17% is still a problem. Unbanked and underbanked households either completely lack a bank account or rely on alternative financial services, like payday or auto title loans, for credit.

Without access to mainstream financial services, families will undoubtedly incur unnecessary costs and fees over their financial lifetime. The typical unbanked household, with an average income of $22,000, often pays more than $1,200 each year in extra fees from alternative credit sources like cashing a paycheck.

When households have to rely on payday lenders or other loan companies, they are susceptible to interest rates as high as 400 percent on a single small-dollar loan.

If you are unabanked, start working on a banking relationship now so in the future you can have a bank to turn to when you need a personal, mortgage, or car loan and even a credit card.

Most of all, a bank provides safety for your money and allows you to earn interest when you open a savings, money market, or certificate of deposit account.

Montana Banks that offer a Second Chance Account

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.

Montana Second Chance Checking Accounts and Montana Non ChexSystems Banks

Big Sky Western Bank

Only proper identification is required to open a checking.

Fallon County Federal Credit Union

Proper identification and a Social Security number is required to open a checking.

Garfield County Bank

Proper identification and a Social Security number is required to open a checking.

Missoula Federal Credit Union

Only proper identification and a Social Security number is required to open a checking.

Native American Bank

They use Telecheck to verify new customers to open a checking account.

Valley Federal Credit Union

They a second chance account called the Opportunity Checking Account. $5 monthly service charge with direct deposit or $7.50 monthly service charge without direct deposit. No minimum balance required.

Valley Bank of Helena

On proper identification is required to open a checking account.

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.