Second chance banking accounts have become one of the most sought after financial services. The reasoning for this is simply due to our current and most recent economic situation. The bad economy and un-employment have consumers struggling financially and as a result their personal finances have suffered. Americans that were once financially secure, are now struggling to pay their bills and as a result, now have bad credit and many have found themselves listed in ChexSystems or Early Warning Services and seeking second chance checking accounts.
Welcome to My Second Chance Banking. We are here to help serve the almost 50 million American consumers who are struggling with their personal finances and are seeking second chance checking account opportunities as well as a way to get off of ChexSystems. We provide hype free information as well as a verified listing of banks and credit unions offering second chance checking to consumers who are listed in ChexSystems and/or Early Warning Services. We also provide the most reliable information on prepaid debit cards for those who are seeking solid banking alternatives.
100% Guaranteed Second Chance Banking Accounts
While the second chance checking opportunities listed on mysecondchancebanking.com are willing to let you open a checking account if you can meet their requirements, they are not guaranteed and are based on several factors. This is why we highly recommend you finding a solid banking alternative to help you manage your money and pay your bills until you can find the local second chance banking account you are seeking.
Account Now – The best available banking alternative available today, bar none! The monthly fee of only $9.95 (compare with local banks and some of the other prepaid cards as well as prime banks in your area) for Account Now, makes it the most affordable prepaid debit card with bill pay available. With awesome features such as FDIC Insured (like your neighborhood bank), no junk fees to eat up your cash, online bill pay and 100% guarantee approval (just complete the application and provide required documents), you simply can not beat Account Now as your banking alternative. Take a look at the features and benefits below
No ChexSystems, Early Warning Services or Credit Checks
Online Bill Pay
Free† Direct Deposit your paychecks and benefit pays
FDIC insured to at least $250,000
No Overdraft fees!
Visa & MasterCard Zero Liability Protection
100% Guaranteed Approval – just complete the application and provide required documents
Local Second Chance Checking Banks and Credit Unions List
The second chance checking banks and credit unions you will find listed below have been reported to offer second chance checking and are ChexSystems or Early Warning Services friendly. I can not stress this enough, but please remember that we do not have any control over the approval processes. For this reason, we do not offer and promises or guarantees that you will be able to open a second chance banking account at any of the banks and credit unions on our list.
What You Should Know Before Applying
Pay What You Owe – If you owe money to past banks and/or credit unions, you need to settle any past due accounts. I know this may be tough, especially in these economic times, but you should know that this is more than likely have to settle these accounts before any bank or credit union will allow you to open a second chance checking account.
Watch Out for the Scams – Look some banks and credit unions know that you are hurting and use this as a way to get as much money as you can. You need to be very wary of these scams and watch out for the high fee structures as well as the banks and credit unions holding deposits for longer than normal. The banks and credit unions we have listed, seem to be on the up and up, but you can never be too sure. I know you think any second chance checking account is better than nothing, but nothing could be further from the truth and if you cant find a good deal, then you need to seriously consider one of the many prepaid debit cards as a banking alternative.
Know Where You Stand – Before applying for any of the second chance checking accounts listed on our site, make sure that you know where you stand and what you owe by contacting ChexSystems here and EWS here to get copies of both reports, so you know there are no surprises when you apply. This is important since being denied over and over again can leave another negative impact on your ChexSystems or Early Warning Services report and could keep you from getting applied at any bank, even those offering second chance banking.