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.
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 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.
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.)
Non-ChexSystems Banks by State
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- West Virginia