South Carolina Non ChexSystems Banks and Fresh Start Checking


South Carolina residents living without a bank account are paying more to cash checks, pay bills and are not able to save for the future. ChexSystems or bad credit has hindered a large number of Americans from having access to traditional checking or savings accounts. Fortunately for the citizens of South Carolina there are several banks offering second chance accounts and even South Carolina 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 South Carolina may have second chance checking accounts or may be a South 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.

South Carolina 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 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.

South Carolina Non-ChexSystems Banks and Fresh Start Checking

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.

Carolina Trust Credit Union

The Encore Checking is a second chance account with certain restrictions, including a monthly fee. After 6 months of good account management, you may request to upgrade your ATM card to a VISA® debit card. After twelve months, you may apply for a free checking account.

First Reliance Bank

They offer a “CheckNSave” program and say “Anyone is eligible for a checking account – even if you’ve been turned down for a checking account at another bank.” The minimum to open is $50 and there is a $5.00 monthly maintenance fee.

Carolina Collegiate Federal Credit Union

The minimum balance to open the “Rebound Checking” account is $25, with no minimum balance required after the initial opening deposit. Checks, Courtesy Pay, and bill Pay are unavailable with this account and direct deposit is required. The monthly service fee is $15.

Founders Federal Credit Union

The checking account requires a credit report and proper identification. No mininum balance. No monthly fees when you receive eStatements and a free Visa Debit Card.

Vital Federal Credit Union

VITAL FCU has a Fresh Start Account that comes with a monthly fee of $15. The checking account is a non-interest bearing account and direct deposit is required. There is no minimum balance required.


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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