Second Chance Banks in Louisiana: Open an account at a Bank or Credit Union

Second Chance Banking in Louisiana allows you to open a new account at a bank or credit union whether you have ChexSystems or EWS records.

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Louisiana has the second highest percentage of unbanked households with Mississippi having the highest. Opening a second chance checking account in Louisiana can help residents get and maintain financial stability.

Opening a new bank account means you won’t have to worry about your cash getting stolen and it will save you money. Banks and credit unions offer free check cashing to their customers so you won’t have to pay high fees to cash your checks.

For people listed in ChexSystems or Early Warning Services a second chance checking account gives you an opportunity to get back into traditional banking. Everyday transactions are made much easier with checking accounts.

Bank accounts can help you begin long-term saving. Plus, your savings will be protected in the event of an emergency or disaster. If you decide you want to take out a loan for a house or education, your bank or credit union will be there to help.

Banking is convenient. There are non-ChexSystems banks and credit unions that offer Louisiana residents a second chance.

If you have problem credit consider bank accounts for bad credit as an additional option for checking accounts.

Louisiana Online Second Chance Checking

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

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.


Second Chance Banks in Louisiana

(Note: This list is not exhaustive and in no way represents all second chance banks in Louisiana or banks that do not use ChexSystems or EWS in Louisiana. You may have to visit the bank in-person to open an account.)
Telecheck is used to verify new accounts. They offer a variety of checking account products. For example, the Economy Checking Account requires $100 to open, customers enjoy unlimited check writing, monthly statements mailed directly to you and direct deposit. The account is free, however, if at any time during the statement period the balance falls below $500.00 there is a $7.50 service charge.
Proper identification is required. Community Bank of Louisiana does not use ChexSystems or EWS. Account examples are the Classic Checking that has a $7.00 service charge if your balance falls below minimum $1,000.01 and the E-Checking that has a $3.50 service charge if your balance falls below minimum $1,000.01. No service charge after 5 years, regardless of your balance.
Telecheck is used to verify new accounts. They offer a variety of checking account products, for example, the Personal Checking Account which requires $100 to open. Account holders enjoy unlimited check-writing privileges, debit card, no charge for ATM withdrawals from Crescent Bank ATMs. Monthly service charges dependent on minimum balance.
Telecheck is used to verify new accounts. They offer a variety of checking account products. For example, the eBanking Account requires $100 minimum deposit to open, check writing is prohibited, except for Bill Pay items, $5 monthly service charge, free online banking and free Visa® debit card.
Telecheck is used to verify new accounts. They offer a variety of checking account products. For example, the Classic Checking Account is the most basic checking account with no monthly service charge. Customers get a Visa debit card, access to online banking and bill pay.
Telecheck is used to verify new accounts. They offer a variety of checking account products. For example, the Totally Free Checking Account requires a minimum opening deposit of $50, a Visa debit card, free online banking and bill pay plus an introductory packet of complimentary checks.
Telecheck is used to verify new accounts. They offer a variety of checking account products. For example, the Free Checking Account offers a debit card, direct deposit and overdraft protection.

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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