If you've been denied a bank account due to bad credit, ChexSystems history, or past banking problems, you're not out of options. Several banks and credit unions offer second-chance checking accounts or don't check ChexSystems at all.

FDIC
Insured
$0
Min. Balance
No fees
Monthly Fee
ChimeNo credit check, no monthly fee, SpotMe overdraft up to $200
Open Free Account →

Top Picks at a Glance

#1 Pick

ChimeChime

$0 monthly fee · No ChexSystems check · SpotMe overdraft
Best overall — no credit check, no monthly fee, SpotMe
Open Free Account →
#2 Pick

Current

$0–$4.99/month · No ChexSystems check · Up to $200 overdraft
Teen banking option, savings pods with 4% APY
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#3 Pick

Varo Bank

$0 monthly fee · No ChexSystems check · Up to 5% APY savings
Fully licensed bank, no credit check, high savings rate
Open Account →
#4 Pick

GO2bank

$5/month (waived with direct deposit) · No ChexSystems
Walmart-backed, early direct deposit, secured credit card
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#5 Pick

Oxygen Bank

$0 monthly fee · No ChexSystems check · Cash back debit
Freelancer-friendly features, LLC formation tools
Open Account →
#6 Pick

Wells Fargo Clear AccessWells Fargo Clear Access

$5/month · Second-chance account · No overdraft fees
Traditional bank option, 4,700+ branches nationwide
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#7 Pick

Renasant Bank

$0 monthly fee · Second-chance checking · No ChexSystems
Regional bank with second-chance program
Apply Now →
CurrentNo ChexSystems check, $0 base fee, up to $200 overdraft
Get Started →

✓ Pros

  • FDIC insured up to $250K
  • No minimum balance required
  • Free ATM network access
  • Mobile check deposit

✗ Cons

  • No physical branches
  • Cash deposits can be tricky
  • Customer service via app only
  • Limited product range

How We Chose These Picks

WiseIQ's editorial team evaluated each option based on annual fees, rewards rates, approval requirements, customer service ratings, and overall value for the target user. All rates and terms are verified as of April 2026.

✓ FDIC Insured: All accounts at FDIC-member banks are insured up to $250,000 per depositor, per institution. Your money is protected.
Varo BankNo credit check, no fees, up to 5.00% APY savings
Open Account →

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Frequently Asked Questions

What is ChexSystems?
ChexSystems is a consumer reporting agency that tracks banking history — including bounced checks, unpaid fees, and account closures. Most traditional banks check ChexSystems before opening a new account. Negative marks can stay on your ChexSystems report for up to 5 years.
Can I open a bank account with bad credit?
Yes. Many online banks (Chime, Current, Varo) and some traditional banks (Wells Fargo Clear Access) don't check ChexSystems or offer second-chance accounts specifically for people with banking history issues.
How long does ChexSystems keep records?
ChexSystems keeps negative records for 5 years. You can request a free copy of your ChexSystems report at ChexSystems.com and dispute any inaccurate information.
What's the difference between a second-chance account and a regular account?
Second-chance accounts are designed for people with negative banking history. They may have monthly fees, spending limits, or fewer features than standard accounts. After 12 months of good standing, many banks will upgrade you to a regular account.