North Carolina Second Chance Checking and Non ChexSystems Banks


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 North Carolina may have second chance checking accounts or may be a North Carolina 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.

North Carolina Online Checking Accounts – Bad Credit Okay

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.

North Carolina Second Chance Checking Accounts and North Carolina Non ChexSystems Banks

Fort Sill National Bank

Fort Sill National bank does not use ChexSystems but a credit report will be pulled. They have several checking account packages to choose from but the Basic Checking includes a $5.00 Minimum deposit required to open account, has no monthly fees, unlimited check writing and a Visa CheckCard.

Champion Credit Union

They use Telecheck to verify new customers.

F & M Bank

They use Telecheck to verify new customers.

Charlotte Metro Credit Union

They offer second chance checking called Fresh Start Checking for individuals that need to rebuild or re-establish your banking history. It features a low monthly fee, no minimum balance requirement, a free Visa debit card, and automatic overdraft protection from your savings account.

Carter Bank and Trust

They use a credit report to verify new customers.

Carolinas Telco Federal Credit Union

They use a credit report to open new accounts.

Members Credit Union

They use a credit report to open new accounts.

Bank Of The Ozarks

They offer a second chance checking called Pathway Checking that requires $50 to open and comes with a $10 monthly service fee.

Corporate America Family Federal Credit Union

They offer a Fresh Start Checking Account that requires you keep a minimum balance of $100 in a Regular Share Account. The monthly service fee is $10.

Alliance Federal Credit Union

They offer Fresh Start Checking. You must meet with an Alliance Member Relationship Manager to open your account. $50 minimum to open account.


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.

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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