Washington Second Chance Banking and Fresh Start Checking

If you’ve had trouble finding Washington second chance banking due to ChexSystems or EWS our list may be able to help. Past financial difficulties can happen to anyone.

A bank or credit union can save you money. Depending on check cashing stores or prepaid cards adds up quickly. Washington second chance banking can save you from unnecessary fees.

You never have to pay to cash your own check again or pay a fee even if you have direct deposit.

Get a fresh start checking and get back to banking the traditional way. The best feature of banks is that most offer financial products you can use to ensure a viable financial future. With access to high yield savings accounts, mortgage loans, car or personal loans, you can establish a banking relationship.

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.

Find a new second chance bank in Washington, apply online and get back to banking.

Washington Second Chance Checking

BBVA Compass ClearConnect Free Checking

BBVA Compass offers an online checking account with No ChexSystems. It’s a fee-free account that makes it easy to manage your money on the go with mobile banking. You can access your account for free through a computer, tablet or smartphone. Another great perk with this second chance bank account is that you not only get to access BBVA Compass ATMs for free, you also get free access to the AllPoint ATM network, which includes more than 55,000 ATMs nationwide.

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 Compass or Allpoint® ATM
• Compass Bank, Member FDIC

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BBVA Compass ClearChoice Money Market

BBVA Compass offers great features with the ClearChoice Money Market Account like mobile check deposits, direct deposit, bill payment and ATM banking at BBVA Compass ATMs. The account requires a deposit of $25 to open. A money market account is like your basic savings account – the higher your balances, the greater your interest-earning possibilities. Open today.

Chime Bank

Chime Bank 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 Bank 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.

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Washington Fresh Start Checking

American Lake Credit Union

American Lake Credit Union does not use ChexSystems but they do use Telecheck to open new accounts. Several checking accounts are available including “Budget Checking”, “Regular Checking”, and a “Money Plus Checking” that pays higher daily dividends paid on balances over $5000.

Great Northwest Federal Credit Union

Great Northwest Federal Credit Union uses Telecheck to open new accounts. If you are interested in membership you must visit a branch office with a valid identification showing your current address. A $5.00 minimum deposit is required for a savings. Minimum checking deposits vary from $0 to $100 depending on the account type chosen.

Homestreet Bank

Homestreet Bank offers a checking account specifically designed for Washington residents who don’t currently have a checking account. The account requires no minimum account balance, there is no monthly service or per check charges. Proper identification is required to open the account along with a $50 deposit. The account features a Visa debit card, direct deposit, online bill payer, wire transfer services and more. Plus, HomeStreet Bank will give $100 to each new personal checking account customer who:

• Successfully completes a certified financial education class and provides evidence of completion (certificate or letter from the organization providing the training).
• Maintains a Bank On checking account at HomeStreet Bank for a minimum of 3 months with a positive balance.

MountainCrest Credit Union

MountainCrest Credit Union offers a “Fresh Start Checking Account” designed for those with previous credit or checking problems.  The account features free bill pay, free online checking a debit card and overdraft protection from a savings account. A monthly fee of $10.00 applies to this account and you must maintain your account in good standing.

Mountain West Bank

Mountain West Bank does not use ChexSystems. Only proper identification is required. They offer several checking accounts all of which require a $50 initial deposit to open. Every account comes with e-statements, free online banking, free online bill pay, and free Visa debit card.

Salal Credit Union

Salal Credit Union offers a checking account for people with a “challenging” checking history called Pathway Checking. A $25 deposit is required to open the account. There is $10 monthly service charge associated with the Pathway Checking account but it can be reduced or waived. Make 15 or more debit transactions during the month to reduce the fee by $5. Set up a monthly direct deposit of $250 or more to reduce the fee by $5. Do both of these things each month and the $10 fee will be waived.

US Bank

Most US Bank branches located “in store” branches will open a checking or savings account for consumers in ChexSystems. You must not owe US Bank money and fraud cannot be indicated on your ChexSystems report. Some regular branch locations may also open an account but it’s best to call first to inquire. The minimum opening deposit is $25.

You may want to review a List of Second Chance Checking Accounts and Non-ChexSystems Banks in other States.