Get back into banking with a fresh start checking account in West Virginia. 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 West Virginia may have second chance checking accounts or may be a West Virginia 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.
West Virginia Second Chance Checking
BBVA offers an online checking account. 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 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
- Complimentary Online Banking and Mobile Banking, Bill Pay and Online Statements
- No ATM withdrawal fees at any BBVA or Allpoint® ATM
- BBVA USA, Member FDIC
BBVA offers great features with the ClearChoice Money Market Account like mobile check deposits, direct deposit, bill payment and ATM banking at BBVA 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.
West Virginia Non-ChexSystems Banks and Fresh Start Checking
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.
Clear Mountain Bank offers a Start Fresh Checking account requires a $50 minimum opening deposit. Features include unlimited check writing, visa check card, mobile and telephone banking.
West Virginia Federal Credit Union offers a Fresh Start Checking account that requires a $100 minimum initial deposit. It comes with unlimited check writing and a free debit card. If you maintain your Fresh Start Checking in good standing for 1 year, you may request the Regular Checking package.
United Bank offers several checking accounts and they do have a free account for everyone. The “United FREE Checking offers No minimum balance; No monthly service charge; No per check charge; Unlimited check writing; United VISA® Check Card*; FREE Online Banking; FREE Bill Pay and eStatements. They do not use ChexSystems. The minimum opening deposit is $50.
The Rewards Card Checking offers deposit of payroll or government benefit with a monthly fee of $4.95 and $7.95 per month without direct deposit, you’ll receive a checkbook and Mastercard® debit card with no overdraft fees or ATM fees! Free nationwide ATM access at over 55,000 Allpoint®.
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
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- West Virginia