{"title":"Second chance and low-cost bank accounts","publisher":"Second Chance Index","page":"https://secondchanceindex.com/bank-accounts","license":{"name":"Creative Commons Attribution 4.0 International (CC BY 4.0)","url":"https://creativecommons.org/licenses/by/4.0/"},"attribution":"Second Chance Index (https://secondchanceindex.com/bank-accounts)","note":"Published records only, each with its sources and the date it was last checked. Not legal or financial advice.","last_verified":"2026-10-30","count":24,"records":[{"slug":"alliant-high-rate-checking","institution":"Alliant Credit Union","account_name":"High-Rate Checking","institution_type":"credit_union","insurance":"NCUA","insurance_detail":"Alliant says checking is NCUA-insured up to $250,000.","search_terms":["alliant high-rate checking","alliant credit union chexsystems","alliant credit check checking","alliant membership eligibility","alliant bank on"],"summary":"A dividend-earning online checking account from Alliant Credit Union, which anyone can join through a free foundation membership. It has no monthly fee or minimum balance, no overdraft or NSF fees, and free Courtesy Pay for established members. Alliant says it doesn't run credit checks on checking applications, but its account agreement lets it review your account and credit history and consumer reports to confirm eligibility.","for_past_banking_problems":"not_stated","for_past_banking_problems_detail":"Alliant doesn't market this account to people with past banking problems. Checking is subject to Alliant's approval criteria, and Alliant may decline to open it if you don't meet them.","chexsystems":{"stance":"uses","detail":"Alliant's Account Agreement and Disclosures (Nov 2025) says you authorize it to check your account, credit and employment history and to get consumer and credit reports to verify eligibility. ChexSystems isn't named. Separately, Alliant's membership FAQ says it doesn't run credit checks on checking account applications.","source":{"url":"https://secure.alliantcreditunion.org/images/uploads/files/AccountAgreementAndDisclosures.pdf","title":"Account Agreement and Disclosures (November 2025)","publisher":"Alliant Credit Union","accessed":"2026-10-21"}},"ews":{"stance":"not_stated","detail":"The same account-history and consumer-report authorization applies, but Early Warning Services isn't named in the parts of the agreement we read.","source":{"url":"https://secure.alliantcreditunion.org/images/uploads/files/AccountAgreementAndDisclosures.pdf","title":"Account Agreement and Disclosures (November 2025)","publisher":"Alliant Credit Union","accessed":"2026-10-21"}},"credit_check":"none_stated","monthly_fee_usd":0,"fee_waiver":"No monthly service fee and no minimum balance. The fee schedule (January 2026) lists Courtesy Pay, NSF items, returned deposits and Alliant ATM transactions as free. The first box of checks is free if ordered within 12 months of opening. The debit card foreign transaction fee is 1%.","min_opening_deposit_usd":25,"overdraft":"fee_free_buffer","overdraft_detail":"No overdraft or NSF fees. Optional overdraft protection moves money from your savings at no charge once you opt in. Courtesy Pay is free but discretionary: you need good standing, an account open at least six months, and $600+ of qualifying deposits in the past 30 days. Coverage for everyday debit card purchases is optional, ATM transactions aren't covered, and overdrafts are due right away (within 30 days at most).","paper_checks":"yes","mobile_check_deposit":"yes","debit_card":"yes","atm_access":"80,000+ fee-free ATMs nationwide, plus up to $20 a month in rebates of other ATM owners' fees when you use your Alliant Visa debit card.","early_direct_deposit":"not_stated","availability":{"scope":"nationwide","open_online":"yes","states":[],"detail":"Alliant says anyone can apply, with membership set up during the application. Opening online requires a $25 deposit, while paper applications and accounts added in online banking have no minimum. Applicants need an SSN or ITIN and a driver's license."},"membership":"You can qualify by working for or retiring from an Alliant partner business, being an immediate family member or domestic partner of a member, or living or working in an eligible community near Alliant's Chicago headquarters. Anyone else can choose 'Join Alliant Credit Union Foundation' on the application, and Alliant pays the one-time $5 fee for you. Membership requires holding at least one membership share in savings.","bank_on_certified":"yes","bank_on_source":{"url":"https://joinbankon.org/accounts/","title":"Bank On Certified Accounts","publisher":"Bank On (Cities for Financial Empowerment Fund)","accessed":"2026-10-21"},"graduation":null,"apply_url":"https://promo.alliantcreditunion.org/high-rate-checking","fee_schedule_url":"https://secure.alliantcreditunion.org/fees","sources":[{"url":"https://promo.alliantcreditunion.org/high-rate-checking","title":"High-Rate Checking","publisher":"Alliant Credit Union","accessed":"2026-10-21"},{"url":"https://secure.alliantcreditunion.org/membership","title":"Membership","publisher":"Alliant Credit Union","accessed":"2026-10-21"},{"url":"https://secure.alliantcreditunion.org/images/uploads/files/AccountAgreementAndDisclosures.pdf","title":"Account Agreement and Disclosures (November 2025)","publisher":"Alliant Credit Union","accessed":"2026-10-21"},{"url":"https://secure.alliantcreditunion.org/fees","title":"Fee Schedule (effective January 2026)","publisher":"Alliant Credit Union","accessed":"2026-10-21"},{"url":"https://secure.alliantcreditunion.org/disclosures","title":"Disclosures","publisher":"Alliant Credit Union","accessed":"2026-10-21"},{"url":"https://joinbankon.org/accounts/","title":"Bank On Certified Accounts","publisher":"Bank On (Cities for Financial Empowerment Fund)","accessed":"2026-10-21"}],"last_verified":"2026-10-21"},{"slug":"ally-spending","institution":"Ally Bank","account_name":"Ally Bank Spending Account","institution_type":"bank","insurance":"FDIC","insurance_detail":"Ally Bank, Member FDIC.","search_terms":["ally spending account","does ally use chexsystems","ally bank checking denied","ally coverdraft","ally bank on certified"],"summary":"An online interest checking account from Ally Bank with no monthly fee, no opening deposit and no overdraft item fees. Free CoverDraft covers small shortfalls once you qualify. The account is Bank On certified, but Ally's deposit agreement says it may use credit reports and other third-party information to decide whether to open your account, and it names ChexSystems and Early Warning Services as agencies it may report to.","for_past_banking_problems":"not_stated","for_past_banking_problems_detail":"Ally doesn't market the account to people with past banking problems. Its agreement says it may refuse to open any account for any reason.","chexsystems":{"stance":"uses","detail":"Ally's Deposit Agreement (effective Oct 10, 2026) says Ally may use credit reports or other third-party information to decide whether to open or keep your account, including a consumer report to verify your application. It names ChexSystems and Early Warning Services as agencies Ally may report account closures to, which can affect your ability to bank elsewhere.","source":{"url":"https://www.ally.com/content/dam/pdf/bank/ally-bank-deposit-agreement.pdf","title":"Ally Bank Deposit Agreement and Disclosures (effective Oct 10, 2026)","publisher":"Ally Bank","accessed":"2026-10-21"}},"ews":{"stance":"uses","detail":"The same agreement names Early Warning Services, LLC as an agency Ally may report to, and lets Ally use consumer reports when deciding whether to open an account. It doesn't say which agency it checks at opening.","source":{"url":"https://www.ally.com/content/dam/pdf/bank/ally-bank-deposit-agreement.pdf","title":"Ally Bank Deposit Agreement and Disclosures (effective Oct 10, 2026)","publisher":"Ally Bank","accessed":"2026-10-21"}},"credit_check":"not_stated","monthly_fee_usd":0,"fee_waiver":"No monthly maintenance or low-balance fee, and no minimum balance. Standard checks, debit cards and transfers are free. Fees include $15 for expedited card delivery, $20 for outgoing domestic wires, $15 for stop payments, $9.95-$14.95 for rush bill pay and up to 1% on international transactions.","min_opening_deposit_usd":0,"overdraft":"fee_free_buffer","overdraft_detail":"Ally charges no overdraft item fees. CoverDraft is opt-in and free: it covers up to $100 of shortfalls on checks, transfers, debit card purchases and bill payments, rising to $250 after two straight months of at least $250 in qualifying direct deposits. Most customers become eligible about 30 days after depositing a total of $100. Purchases beyond the CoverDraft limit are declined without a fee.","paper_checks":"yes","mobile_check_deposit":"yes","debit_card":"yes","atm_access":"75,000+ no-fee ATMs nationwide, plus up to $10 per statement cycle in reimbursed fees from other ATMs. Cash deposits are free at participating Walmart stores via the app; Ally doesn't accept cash at ATMs or by mail.","early_direct_deposit":"yes","availability":{"scope":"nationwide","open_online":"yes","states":[],"detail":"Online only. Applicants must be U.S. citizens or living in the U.S., 18 or older, with an SSN or TIN and a U.S. residential street address (a P.O. box alone isn't enough)."},"membership":null,"bank_on_certified":"yes","bank_on_source":{"url":"https://joinbankon.org/accounts/","title":"Bank On Certified Accounts","publisher":"Bank On (Cities for Financial Empowerment Fund)","accessed":"2026-10-21"},"graduation":null,"apply_url":"https://www.ally.com/bank/interest-checking-account/","fee_schedule_url":"https://www.ally.com/bank/interest-checking-account/","sources":[{"url":"https://www.ally.com/bank/interest-checking-account/","title":"Ally Bank Spending Account","publisher":"Ally Bank","accessed":"2026-10-21"},{"url":"https://www.ally.com/content/dam/pdf/bank/ally-bank-deposit-agreement.pdf","title":"Ally Bank Deposit Agreement and Disclosures (effective Oct 10, 2026)","publisher":"Ally Bank","accessed":"2026-10-21"},{"url":"https://joinbankon.org/accounts/","title":"Bank On Certified Accounts","publisher":"Bank On (Cities for Financial Empowerment Fund)","accessed":"2026-10-21"}],"last_verified":"2026-10-21"},{"slug":"bank-of-america-safebalance","institution":"Bank of America","account_name":"Bank of America Advantage SafeBalance Banking","institution_type":"bank","insurance":"FDIC","insurance_detail":"Bank of America, N.A., Member FDIC","search_terms":["bank of america safebalance","bank of america advantage safebalance banking","does bank of america use chexsystems","bank of america checkless account"],"summary":"Bank of America's checkless account costs $4.95 a month, with the fee waived for owners under 25, with a $500 minimum daily balance, or at a qualifying BofA Rewards tier. It takes $25 to open, and transactions that would overdraw the account are declined with no overdraft or NSF fees. Bank of America doesn't pitch it to people with past account problems, and its deposit agreement says it may pull consumer reports at opening.","for_past_banking_problems":"not_stated","for_past_banking_problems_detail":"Neither the Clarity Statement nor the 2023 press release we read says the account is meant for people with past banking problems; the press release highlights its popularity with students.","chexsystems":{"stance":"uses","detail":"Under 'Opening an Account,' the Deposit Agreement says you authorize Bank of America to get your consumer reports and reports from third parties and to verify your employment history. In the same section it names ChexSystems, Inc. and Early Warning Services, LLC as consumer reporting agencies it may send account default information to, including when it closes an account for not following the agreement.","source":{"url":"https://www.bankofamerica.com/salesservices/deposits/resources/deposit-agreements/","title":"Deposit Agreement and Disclosures (effective May 15, 2026)","publisher":"Bank of America","accessed":"2026-10-21"}},"ews":{"stance":"uses","detail":"Same agreement: consumer reports may be obtained at account opening, and Early Warning Services, LLC is named as an agency Bank of America may report default information to.","source":{"url":"https://www.bankofamerica.com/salesservices/deposits/resources/deposit-agreements/","title":"Deposit Agreement and Disclosures (effective May 15, 2026)","publisher":"Bank of America","accessed":"2026-10-21"}},"credit_check":"not_stated","monthly_fee_usd":4.95,"fee_waiver":"Waived for a statement cycle if you keep a $500 minimum daily balance, if an account owner is under 25 (fiduciary accounts and POD beneficiaries don't qualify), or if an owner is enrolled in BofA Rewards at the Preferred Plus tier or higher.","min_opening_deposit_usd":25,"overdraft":"no_overdraft","overdraft_detail":"Transactions that would overdraw the account are declined or returned unpaid, and Bank of America charges no overdraft item or NSF fees. A negative balance can still happen (a tip that raises a debit card amount, a scheduled bill payment, a fee larger than the balance), still with no overdraft fee. Merchants may charge their own fees for declined payments.","paper_checks":"no","mobile_check_deposit":"yes","debit_card":"yes","atm_access":"No fee at Bank of America ATMs; $2.50 at non-Bank of America ATMs in the U.S. ($5 outside the U.S.), plus any operator fee.","early_direct_deposit":"not_stated","availability":{"scope":"not_stated","open_online":"not_stated","states":[],"detail":"The Clarity Statement is marked for all states, but we couldn't load the product page that describes how and where the account can be opened, so online opening and state eligibility weren't confirmed."},"membership":null,"bank_on_certified":"yes","bank_on_source":{"url":"https://joinbankon.org/accounts/","title":"Accounts – BankOn","publisher":"Bank On","accessed":"2026-10-21"},"graduation":null,"apply_url":null,"fee_schedule_url":"https://www.bankofamerica.com/salesservices/deposits/resources/safebalance-clarity-statement","sources":[{"url":"https://www.bankofamerica.com/salesservices/deposits/resources/safebalance-clarity-statement","title":"Bank of America Advantage SafeBalance Banking® and SafeBalance® for Family Banking Clarity Statement® — Overview of key policies and fees","publisher":"Bank of America","accessed":"2026-10-21"},{"url":"https://www.bankofamerica.com/salesservices/deposits/resources/deposit-agreements/","title":"Deposit Agreement and Disclosures (effective May 15, 2026)","publisher":"Bank of America","accessed":"2026-10-21"},{"url":"https://newsroom.bankofamerica.com/content/newsroom/press-releases/2023/09/bofa-expands-fee-waivers-for-safebalance--account.html","title":"BofA Expands Fee Waivers for SafeBalance® Account","publisher":"Bank of America Newsroom","accessed":"2026-10-21"},{"url":"https://joinbankon.org/accounts/","title":"Accounts – BankOn","publisher":"Bank On","accessed":"2026-10-21"}],"last_verified":"2026-10-21"},{"slug":"capital-one-360-checking","institution":"Capital One","account_name":"360 Checking","institution_type":"bank","insurance":"FDIC","insurance_detail":"Capital One, N.A., Member FDIC","search_terms":["capital one 360 checking","capital one second chance checking","does capital one use chexsystems","capital one checking no overdraft fees"],"summary":"A no-monthly-fee, no-minimum online checking account that you can open from anywhere in the 50 states or D.C. Overdrafts are declined by default, and there's an optional No-Fee Overdraft feature once you've made regular deposits. It includes a free first checkbook. Capital One says it may pull a consumer report and doesn't market the account to people with past banking problems.","for_past_banking_problems":"not_stated","for_past_banking_problems_detail":"Capital One says accounts are subject to eligibility requirements and applicants may be denied for various reasons; it doesn't address past account problems.","chexsystems":{"stance":"uses","detail":"Capital One's 360 Checking disclosures say it may request a consumer (credit) report in connection with your account, and later reports for account-related purposes. It may also report account information to consumer reporting agencies and check verification systems, which could affect your ability to open accounts in the future. ChexSystems isn't named.","source":{"url":"https://www.capitalone.com/bank/disclosures/checking-accounts/online-checking-account/","title":"360 Checking Account Disclosures | Capital One","publisher":"Capital One, N.A.","accessed":"2026-10-21"}},"ews":{"stance":"not_stated","detail":"Same consumer-report clause; the disclosures refer generally to 'check verification systems' without naming Early Warning Services.","source":{"url":"https://www.capitalone.com/bank/disclosures/checking-accounts/online-checking-account/","title":"360 Checking Account Disclosures | Capital One","publisher":"Capital One, N.A.","accessed":"2026-10-21"}},"credit_check":"not_stated","monthly_fee_usd":0,"fee_waiver":"No monthly fee or minimum balance requirement.","min_opening_deposit_usd":0,"overdraft":"fee_free_buffer","overdraft_detail":"By default (Auto-Decline), transactions that would overdraw the account are generally declined. You can opt into a free automatic transfer from a linked Capital One savings or money market account, or into No-Fee Overdraft, which lets approved transactions take you below $0 with no fee once you've deposited at least $250 in 2 of the previous 3 calendar months (new accounts wait until the third month). A negative balance must be repaid, and one lasting 56 consecutive days leads to account closure.","paper_checks":"yes","mobile_check_deposit":"yes","debit_card":"yes","atm_access":"No Capital One fee at Capital One, MoneyPass and Allpoint ATMs (70,000+); other ATM owners may charge their own fees.","early_direct_deposit":"yes","availability":{"scope":"nationwide","open_online":"yes","states":[],"detail":"Opened online by U.S. citizens or permanent residents 18 and older with a physical address in one of the 50 states or D.C. (or a military APO/FPO address), a U.S. mobile number and an SSN or ITIN. Accounts must be funded within 60 days of approval."},"membership":null,"bank_on_certified":"yes","bank_on_source":{"url":"https://joinbankon.org/accounts/","title":"Accounts – BankOn","publisher":"Bank On","accessed":"2026-10-21"},"graduation":null,"apply_url":"https://www.capitalone.com/bank/checking-accounts/online-checking-account/","fee_schedule_url":"https://www.capitalone.com/bank/disclosures/checking-accounts/online-checking-account/","sources":[{"url":"https://www.capitalone.com/bank/checking-accounts/online-checking-account/","title":"Online Checking Account | No-Fee 360 Checking | Capital One","publisher":"Capital One, N.A.","accessed":"2026-10-21"},{"url":"https://www.capitalone.com/bank/disclosures/checking-accounts/online-checking-account/","title":"360 Checking Account Disclosures | Capital One","publisher":"Capital One, N.A.","accessed":"2026-10-21"},{"url":"https://joinbankon.org/accounts/","title":"Accounts – BankOn","publisher":"Bank On","accessed":"2026-10-21"}],"last_verified":"2026-10-21"},{"slug":"cash-app","institution":"Cash App (Block, Inc.)","account_name":"Cash App balance with Cash App Card","display_name":"Cash App","institution_type":"fintech","insurance":"FDIC_pass_through","insurance_detail":"Cash App is a financial services platform run by Block, Inc. It isn't a bank and isn't FDIC-insured. Block may pool customer funds in bank accounts in its own name, separate from its corporate funds. Your Cash App balance is a deposit product eligible for FDIC pass-through insurance (up to $250,000 per customer, aggregated with other deposits at each bank, through Wells Fargo Bank, N.A., Sutton Bank and other program banks) only if you hold a Cash App Card or a Sponsored Account and other conditions are met. Without one, Block's terms say the balance is not a deposit product and not eligible for pass-through coverage. Cards are prepaid debit cards issued by Sutton Bank or Visa Debit Flex cards issued by Sutton Bank and The Bancorp Bank, N.A.","search_terms":["cash app as a bank account","cash app card","is cash app fdic insured","cash app chexsystems","cash app credit check","cash app overdraft"],"summary":"Cash App, run by Block, isn't a bank account in the usual sense. It's a stored balance in the app that you spend with a Cash App Card, and it only becomes FDIC-eligible once you hold that card or a Sponsored Account. There are no monthly fees, but ATM withdrawals ($2.50) and cash deposits ($1) cost money. Block doesn't say whether it checks ChexSystems or credit when you sign up.","for_past_banking_problems":"not_stated","for_past_banking_problems_detail":"Block doesn't say anything about applicants with past banking problems. New accounts start out restricted until identity is verified, using third-party services, and the terms say verification doesn't guarantee access to every service.","chexsystems":{"stance":"not_stated","detail":"We found no mention of ChexSystems in Cash App's Terms of Service (last updated Sept 11, 2026), banking page, card page or 'Is Cash App a bank?' article. The terms describe identity verification through third-party services, not banking-history reports.","source":null},"ews":{"stance":"not_stated","detail":"We found no mention of Early Warning Services in the Cash App pages and terms we read.","source":null},"credit_check":"not_stated","monthly_fee_usd":0,"fee_waiver":"No monthly fee. Fees include $2.50 per ATM withdrawal (in-network fees reimbursed with Cash App Green, which takes $500 in qualifying purchases or $300 in qualifying deposits a month), $1 per paper-money deposit, 0.5%-2.5% for instant transfers out ($0.25-$1 minimum, $75 maximum), 3% to add money from a credit card and 3% for foreign transactions.","min_opening_deposit_usd":null,"overdraft":"fee_free_buffer","overdraft_detail":"Free Overdraft Coverage is optional and covers Cash App Card purchases only (not ACH transfers, ATM withdrawals or cash back), up to a limit of no more than $200. You must have Cash App Green status, which the banking page links to $300 or more in qualifying deposits a month. There are no fees or interest, Sponsored Accounts can't use it, and other transactions are declined when the balance is short.","paper_checks":"not_stated","mobile_check_deposit":"yes","debit_card":"yes","atm_access":"$2.50 per withdrawal at any ATM, plus any operator fee. Cash App Green members get in-network (MoneyPass, about 40,000 ATMs) fees reimbursed, plus one out-of-network withdrawal a month.","early_direct_deposit":"yes","availability":{"scope":"nationwide","open_online":"yes","states":[],"detail":"App-based. Users must be U.S. residents, at least 18 and of the age of majority in their state; teens 13-17 can get a card through a Sponsored Account (child sponsored accounts aren't available to New York residents). The card needs a physical mailing address, not a P.O. box."},"membership":null,"bank_on_certified":"no","bank_on_source":{"url":"https://joinbankon.org/accounts/","title":"Bank On Certified Accounts","publisher":"Bank On (Cities for Financial Empowerment Fund)","accessed":"2026-10-21"},"graduation":null,"apply_url":"https://cash.app/bank","fee_schedule_url":"https://cash.app/us/en/legal/tos","sources":[{"url":"https://cash.app/bank","title":"Online Banking with Cash App | Deposit & Transfer Money","publisher":"Cash App (Block, Inc.)","accessed":"2026-10-22"},{"url":"https://cash.app/card","title":"Cash App Card","publisher":"Cash App (Block, Inc.)","accessed":"2026-10-21"},{"url":"https://cash.app/learn/getting-started/is-cash-app-a-bank","title":"Is Cash App a Bank? (May 1, 2026)","publisher":"Cash App (Block, Inc.)","accessed":"2026-10-21"},{"url":"https://cash.app/us/en/legal/tos","title":"Cash App Terms of Service (last updated Sept 11, 2026)","publisher":"Block, Inc.","accessed":"2026-10-22"},{"url":"https://joinbankon.org/accounts/","title":"Bank On Certified Accounts","publisher":"Bank On (Cities for Financial Empowerment Fund)","accessed":"2026-10-21"}],"last_verified":"2026-10-21"},{"slug":"chase-secure-banking","institution":"Chase","account_name":"Chase Secure Banking","institution_type":"bank","insurance":"FDIC","insurance_detail":"JPMorgan Chase Bank, N.A., Member FDIC","search_terms":["chase secure banking","chase second chance checking","does chase use chexsystems","chase checking no overdraft fees"],"summary":"Chase's checkless, low-cost account: $4.95 a month (waived with $250 in electronic deposits or an owner aged 17-24), no minimum to open and no overdraft fees. Cashier's checks and money orders are free, which helps since you can't write paper checks. Chase doesn't market it specifically to people with past account problems.","for_past_banking_problems":"not_stated","for_past_banking_problems_detail":"The product page doesn't address applicants with past account problems; it notes that accounts are subject to approval.","chexsystems":{"stance":"not_stated","detail":"The product page doesn't mention ChexSystems or account screening. In the parts of the Deposit Account Agreement we could read, Chase only says it may report you to consumer reporting agencies over unpaid overdrafts, which could affect your ability to open accounts later. ChexSystems isn't named in those sections.","source":{"url":"https://www.chase.com/content/dam/chase-ux/documents/personal/checking/deposit-account-agreement.pdf","title":"Deposit Account Agreement and Privacy Notice (effective 6/14/2026)","publisher":"JPMorgan Chase Bank, N.A.","accessed":"2026-10-21"}},"ews":{"stance":"not_stated","detail":"Early Warning Services isn't named in the readable sections of the agreement or on the product page.","source":{"url":"https://www.chase.com/content/dam/chase-ux/documents/personal/checking/deposit-account-agreement.pdf","title":"Deposit Account Agreement and Privacy Notice (effective 6/14/2026)","publisher":"JPMorgan Chase Bank, N.A.","accessed":"2026-10-21"}},"credit_check":"not_stated","monthly_fee_usd":4.95,"fee_waiver":"Waived for a statement period with $250 or more in qualifying electronic deposits (payroll, government benefits or tax refunds by ACH, RTP, FedNow or certain card-network payments; Zelle, cash, checks, wires and interest don't count), or when an account owner is 17 to 24. New and converted accounts aren't charged for at least the first two statement periods. Chase's fee schedule also lists linking the account to a qualifying Chase checking account as a way to avoid the fee; the product page doesn't mention that option.","min_opening_deposit_usd":0,"overdraft":"no_overdraft","overdraft_detail":"Chase overdraft services aren't available on this account. Transactions are declined or returned when funds are short and no overdraft fee is charged; the balance can still go negative in limited cases (such as a tip added after authorization), still with no overdraft fee.","paper_checks":"no","mobile_check_deposit":"yes","debit_card":"yes","atm_access":"No Chase fee at Chase ATMs; $3 per withdrawal at non-Chase ATMs in the U.S. and territories ($5 outside them), plus any ATM owner or network surcharge.","early_direct_deposit":"yes","availability":{"scope":"not_stated","open_online":"yes","states":[],"detail":"Can be opened online through Chase's application or in a branch; 17-year-olds must open in a branch. Accounts are subject to approval. The product page doesn't say which states are eligible for online opening."},"membership":null,"bank_on_certified":"yes","bank_on_source":{"url":"https://joinbankon.org/accounts/","title":"Accounts – BankOn","publisher":"Bank On","accessed":"2026-10-21"},"graduation":null,"apply_url":"https://personal.chase.com/personal/secure-banking","fee_schedule_url":"https://www.chase.com/content/dam/chase-ux/documents/personal/checking/ABSF-en.pdf","sources":[{"url":"https://personal.chase.com/personal/secure-banking","title":"Chase Secure Banking | Checking Account With No Overdraft Fees | Chase.com","publisher":"JPMorgan Chase Bank, N.A.","accessed":"2026-10-21"},{"url":"https://www.chase.com/content/dam/chase-ux/documents/personal/checking/deposit-account-agreement.pdf","title":"Deposit Account Agreement and Privacy Notice (effective 6/14/2026)","publisher":"JPMorgan Chase Bank, N.A.","accessed":"2026-10-21"},{"url":"https://www.chase.com/content/dam/chase-ux/documents/personal/checking/ABSF-en.pdf","title":"Additional Banking Services and Fees for Personal Accounts (effective 6/14/2026)","publisher":"JPMorgan Chase Bank, N.A.","accessed":"2026-10-21"},{"url":"https://joinbankon.org/accounts/","title":"Accounts – BankOn","publisher":"Bank On","accessed":"2026-10-21"}],"last_verified":"2026-10-21"},{"slug":"chime-checking","institution":"Chime","account_name":"Chime Checking Account","institution_type":"fintech","insurance":"FDIC_pass_through","insurance_detail":"Chime is a financial technology company, not a bank, and is not itself FDIC-insured. Banking services and deposits are held by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC; coverage is up to $250,000 per depositor, per insured bank, per ownership category.","search_terms":["chime checking account","does chime use chexsystems","chime credit check","chime spotme","chime bancorp stride"],"summary":"An app-based checking account offered by Chime, a fintech, with deposits held at The Bancorp Bank or Stride Bank. It has no monthly fee and no opening deposit, and Chime says it does not run a credit check to open it. It fits people who want a debit-card account without checks and can manage everything in an app.","for_past_banking_problems":"not_stated","for_past_banking_problems_detail":"Chime does not market the account as a second-chance product. Its own ChexSystems guide says Chime does not use ChexSystems, but its deposit agreement says it may use third-party information to decide whether to open an account, and applications can be denied if identity can't be verified.","chexsystems":{"stance":"says_no","detail":"Chime's own guide to ChexSystems (on chime.com, dated Aug 12, 2026) says some banks, including Chime, do not use ChexSystems at all. The deposit account agreement does not name ChexSystems but says Chime may use information from third parties to help decide whether to open a Checking Account.","source":{"url":"https://chime.com/blog/a-guide-to-chexsystems","title":"What is ChexSystems? A Complete Guide","publisher":"Chime","accessed":"2026-10-21"}},"ews":{"stance":"not_stated","detail":"We found no mention of Early Warning Services on Chime's checking page, help center sign-up article, ChexSystems guide or deposit account agreement.","source":null},"credit_check":"none_stated","monthly_fee_usd":0,"fee_waiver":"No monthly service fee and no minimum balance fee. Out-of-network ATM withdrawals cost $2.50 each, and some retailers charge for cash deposits.","min_opening_deposit_usd":0,"overdraft":"fee_free_buffer","overdraft_detail":"Without SpotMe, card purchases that exceed the balance are declined and there are no overdraft fees. SpotMe is optional: it requires $200 or more in qualifying direct deposits each month and an activated physical Chime debit card or Credit Builder card. Limits start at $20 and can rise to $200 or more. SpotMe doesn't cover ACH transfers, Pay Anyone transfers or Chime Checkbook payments, and Chime charges no fee for it.","paper_checks":"no","mobile_check_deposit":"yes","debit_card":"yes","atm_access":"Chime says members can use over 47,000 fee-free ATMs (Allpoint, Visa Plus Alliance, and FCTI ATMs in 7-Eleven stores); $2.50 per out-of-network withdrawal, plus any operator fee.","early_direct_deposit":"yes","availability":{"scope":"nationwide","open_online":"yes","states":[],"detail":"Opened online or in the app. Applicants must be 18 or older and a U.S. citizen or legal resident, with a valid SSN, a U.S. mobile number and a residential street address (no P.O. boxes). The card agreement limits cardholders to people living in the 50 states."},"membership":null,"bank_on_certified":"no","bank_on_source":{"url":"https://joinbankon.org/accounts/","title":"Bank On Certified Accounts","publisher":"Bank On (Cities for Financial Empowerment Fund)","accessed":"2026-10-21"},"graduation":null,"apply_url":"https://www.chime.com/checking-account/","fee_schedule_url":"https://www.chime.com/policies/bancorp/deposit-account-agreement/","sources":[{"url":"https://www.chime.com/checking-account/","title":"Chime Checking Account","publisher":"Chime","accessed":"2026-10-21"},{"url":"https://help.chime.com/how-do-i-open-a-chime-account-bafa327e","title":"How do I open a Chime account?","publisher":"Chime Help Center","accessed":"2026-10-21"},{"url":"https://chime.com/blog/a-guide-to-chexsystems","title":"What is ChexSystems? A Complete Guide","publisher":"Chime","accessed":"2026-10-21"},{"url":"https://www.chime.com/policies/bancorp/deposit-account-agreement/","title":"Deposit Account Agreement (The Bancorp Bank, N.A.), Rev. 09/2026","publisher":"Chime / The Bancorp Bank, N.A.","accessed":"2026-10-21"},{"url":"https://joinbankon.org/accounts/","title":"Bank On Certified Accounts","publisher":"Bank On (Cities for Financial Empowerment Fund)","accessed":"2026-10-21"}],"last_verified":"2026-10-21"},{"slug":"citi-access-account","institution":"Citi","account_name":"Access Checking","institution_type":"bank","insurance":"FDIC","insurance_detail":"Citibank, N.A., Member FDIC","search_terms":["citi access account","citibank access checking","does citibank use chexsystems","citi checkless account"],"summary":"Citi's checkless checking account costs $5 a month, waived with an Enhanced Direct Deposit of $250 or more or a Citi relationship tier, and there's no minimum deposit to open. Transactions over the available balance are declined, and Citi's overdraft lines can't be attached. Citi's agreement says it may pull a consumer report when you apply, and Citi doesn't position the account for people with past banking problems.","for_past_banking_problems":"not_stated","for_past_banking_problems_detail":"We found no Citi statement aimed at applicants with past account problems.","chexsystems":{"stance":"uses","detail":"Citi's Consumer Deposit Account Agreement says you authorize Citi to obtain a consumer report when you apply for, update or renew an account, and that it may obtain reports at any time once you're a customer. It may also report negative account activity to a consumer reporting agency, which could keep you from opening accounts elsewhere. The readable text doesn't name ChexSystems.","source":{"url":"https://www.citi.com/content/dam/cfs/mobile/assets/JRS/popups/ao/CDAA.pdf","title":"Consumer Deposit Account Agreement (U.S. Markets) (effective November 20, 2025)","publisher":"Citibank, N.A.","accessed":"2026-10-21"}},"ews":{"stance":"not_stated","detail":"The same consumer-report authorization applies; the readable text doesn't name Early Warning Services.","source":{"url":"https://www.citi.com/content/dam/cfs/mobile/assets/JRS/popups/ao/CDAA.pdf","title":"Consumer Deposit Account Agreement (U.S. Markets) (effective November 20, 2025)","publisher":"Citibank, N.A.","accessed":"2026-10-21"}},"credit_check":"not_stated","monthly_fee_usd":5,"fee_waiver":"Waived in any month with an Enhanced Direct Deposit of $250 or more (payroll, pension, government benefits and similar ACH deposits; not teller, cash, check or wire deposits), or with Citi Priority, Citigold or Citigold Private Client relationship tier status.","min_opening_deposit_usd":0,"overdraft":"no_overdraft","overdraft_detail":"Access Checking is built to decline PIN, point-of-sale, ACH and debit card transactions that exceed the available balance. Neither Safety Check nor a Checking Plus line of credit can be linked for overdraft protection (except a link that carried over when a Regular Checking account was converted).","paper_checks":"no","mobile_check_deposit":"not_stated","debit_card":"yes","atm_access":"Citi charges a $2.50 fee at non-Citi ATMs, and says this fee can't be waived.","early_direct_deposit":"not_stated","availability":{"scope":"not_stated","open_online":"yes","states":[],"detail":"Citi says Access Checking is offered in all Citibank markets. You can apply in a branch, on Citi Online, in the Citi Mobile app or by phone. For online or phone openings, the agreement uses South Dakota law when the applicant's address is outside its listed states, which suggests out-of-footprint applicants can open, but Citi doesn't state outright that the account is available nationwide."},"membership":null,"bank_on_certified":"yes","bank_on_source":{"url":"https://joinbankon.org/accounts/","title":"Accounts – BankOn","publisher":"Bank On","accessed":"2026-10-21"},"graduation":null,"apply_url":null,"fee_schedule_url":"https://www.citi.com/content/dam/cfs/mobile/assets/JRS/popups/ao/CDAA.pdf","sources":[{"url":"https://www.citi.com/content/dam/cfs/mobile/assets/JRS/popups/ao/CDAA.pdf","title":"Consumer Deposit Account Agreement (U.S. Markets) (effective November 20, 2025)","publisher":"Citibank, N.A.","accessed":"2026-10-21"},{"url":"https://joinbankon.org/accounts/","title":"Accounts – BankOn","publisher":"Bank On","accessed":"2026-10-21"}],"last_verified":"2026-10-21"},{"slug":"current","institution":"Current","account_name":"Current Account","institution_type":"fintech","insurance":"FDIC_pass_through","insurance_detail":"Current (Finco Services, Inc.) is a financial technology company, not an FDIC-insured bank. Banking services are provided by Choice Financial Group and/or Cross River Bank, Members FDIC. Current says pass-through FDIC insurance up to $250,000 is available on customer funds only if certain conditions are met, and that it only covers the failure of an FDIC-insured bank.","search_terms":["current bank account","current app chexsystems","current credit check","current fee-free overdraft","current choice financial group"],"summary":"An app-based spending account from Current, a fintech, with banking services provided by Choice Financial Group and/or Cross River Bank. Its fee schedule has no monthly fee, and Current says it does not run a credit check at sign-up. It suits people who want a debit card account with mobile check deposit and no checkbook.","for_past_banking_problems":"not_stated","for_past_banking_problems_detail":"Current does not say the account is meant for people with past banking problems. Its deposit agreement says it may use third-party information to decide whether someone can open an account.","chexsystems":{"stance":"says_no_credit_check","detail":"This is a 'no credit check' statement only. Current's sign-up help article says it does not run a credit check, though any new account may affect a credit score. ChexSystems is not mentioned there or in the deposit agreement, which says Current may use third-party information to decide eligibility.","source":{"url":"https://support.current.com/hc/en-us/articles/360017435514-What-do-I-need-to-sign-up-for-Current","title":"What do I need to sign up for Current?","publisher":"Current Support Center","accessed":"2026-10-21"}},"ews":{"stance":"not_stated","detail":"We found no mention of Early Warning Services on Current's site, help center or deposit agreement.","source":null},"credit_check":"none_stated","monthly_fee_usd":0,"fee_waiver":"The fee schedule in the deposit agreement lists no monthly or membership fee. Listed fees include $3.50 per out-of-network ATM withdrawal (Current's product page says $2.50, so check the app before relying on either figure), $3.50 per cash deposit at participating retailers, a $5 monthly inactivity fee after 12 months with no activity, and a $10 account closure fee.","min_opening_deposit_usd":null,"overdraft":"fee_free_buffer","overdraft_detail":"Normally you can't overdraw the account. Fee-free Overdraft is optional: it requires an eligible payroll deposit of $200 or more in the past 35 days and covers card purchases up to a limit that Current sets and can change (no published dollar amount). There is no fee or interest. A negative balance must be repaid within 60 days or the account may be restricted or closed. It isn't available on teen accounts.","paper_checks":"no","mobile_check_deposit":"yes","debit_card":"yes","atm_access":"Current advertises 40,000+ fee-free ATMs (mostly Allpoint); $3.50 per out-of-network withdrawal, plus any operator fee.","early_direct_deposit":"yes","availability":{"scope":"nationwide","open_online":"yes","states":[],"detail":"Opened in the app. Sign-up needs a U.S. Social Security number, a U.S. residential address (no P.O. boxes) and a phone that can receive texts. The agreement says the account is for U.S. citizens; the debit card terms cover U.S. citizens or legal aliens living in the 50 states."},"membership":null,"bank_on_certified":"no","bank_on_source":{"url":"https://joinbankon.org/accounts/","title":"Bank On Certified Accounts","publisher":"Bank On (Cities for Financial Empowerment Fund)","accessed":"2026-10-21"},"graduation":null,"apply_url":"https://current.com/spend/","fee_schedule_url":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","sources":[{"url":"https://current.com/","title":"Current home page","publisher":"Current","accessed":"2026-10-21"},{"url":"https://current.com/spend/","title":"Current Spend","publisher":"Current","accessed":"2026-10-21"},{"url":"https://support.current.com/hc/en-us/articles/360017435514-What-do-I-need-to-sign-up-for-Current","title":"What do I need to sign up for Current?","publisher":"Current Support Center","accessed":"2026-10-21"},{"url":"https://support.current.com/hc/en-us/articles/4408249010459-Does-Current-offer-paper-checks-or-checkbooks","title":"Does Current offer paper checks or checkbooks?","publisher":"Current Support Center","accessed":"2026-10-21"},{"url":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","title":"Current Deposit Account Agreement (last updated June 22, 2026)","publisher":"Current / Choice Financial Group","accessed":"2026-10-21"},{"url":"https://cdn.current.com/agreements/current_fee-free_overdraft_terms_10_09_2025.pdf","title":"Fee-Free Overdraft Terms (last updated October 9, 2025)","publisher":"Current","accessed":"2026-10-21"},{"url":"https://joinbankon.org/accounts/","title":"Bank On Certified Accounts","publisher":"Bank On (Cities for Financial Empowerment Fund)","accessed":"2026-10-21"}],"last_verified":"2026-10-21"},{"slug":"dave-spending","institution":"Dave","account_name":"Dave Checking (also called Dave Spending)","institution_type":"fintech","insurance":"FDIC_pass_through","insurance_detail":"Dave is a financial technology company, not a bank. Banking services are provided by Coastal Community Bank, Member FDIC, or another partner bank; some accounts are under an Evolve Bank & Trust (Member FDIC) agreement. Deposits are FDIC-insured on a pass-through basis up to $250,000 if conditions are met, and the insurance covers only the failure of the bank holding the account.","search_terms":["dave spending account","dave checking account","does dave use chexsystems","dave credit check","dave extracash overdraft"],"summary":"An app-based checking account from Dave, a fintech, with deposits held at Coastal Community Bank (or Evolve Bank & Trust for some accounts). Dave says there is no credit check and no minimum balance to sign up, and the checking account itself has no overdraft fees. A separate Dave membership (up to $5 a month) unlocks ExtraCash advances, which carry their own overdraft fee. The app no longer takes mobile check deposits.","for_past_banking_problems":"not_stated","for_past_banking_problems_detail":"Dave markets itself to people who need help between paychecks, but we found no statement about applicants with past bank account problems.","chexsystems":{"stance":"says_no_credit_check","detail":"This is a 'no credit check' statement only. Dave's fees page says there are no credit checks or minimum balance requirements to sign up for Dave Checking, and its home page says Dave never requires a credit check. Neither page, nor the Coastal checking agreement, mentions ChexSystems.","source":{"url":"https://dave.com/no-hidden-fees","title":"Free yourself from hidden fees","publisher":"Dave","accessed":"2026-10-21"}},"ews":{"stance":"not_stated","detail":"We found no mention of Early Warning Services on Dave's site, its Terms of Use or the checking agreements we read.","source":null},"credit_check":"none_stated","monthly_fee_usd":0,"fee_waiver":"The Coastal checking agreement lists no monthly maintenance fee, and you can fund the account with as little as $1. A separate Dave membership of up to $5 a month covers ExtraCash, Income Opportunity Services and Financial Management Services, and you can cancel it in the app. Other fees: $3 per out-of-network ATM withdrawal, 1.5% for instant withdrawals, and a $5 monthly inactivity fee after 12 months with no activity.","min_opening_deposit_usd":0,"overdraft":"no_overdraft","overdraft_detail":"Dave Checking charges no overdraft or insufficient-funds fees, and Dave can refuse a transaction you can't cover; any negative balance must be repaid right away. ExtraCash is a separate, optional overdraft account offering $25-$500 (few members qualify for $500). It charges an overdraft fee of $5 or 5%, whichever is greater, is repayable on demand, and eligibility is set by Dave's own risk model.","paper_checks":"not_stated","mobile_check_deposit":"no","debit_card":"yes","atm_access":"Free at 40,000+ MoneyPass ATMs; $3 per out-of-network withdrawal plus any operator fee.","early_direct_deposit":"yes","availability":{"scope":"nationwide","open_online":"yes","states":[],"detail":"App-based. Open to U.S. citizens and lawful permanent residents 18 or older with an SSN or tax ID and a U.S. physical address or APO/FPO address, in the 50 states, DC and several U.S. territories."},"membership":null,"bank_on_certified":"no","bank_on_source":{"url":"https://joinbankon.org/accounts/","title":"Bank On Certified Accounts","publisher":"Bank On (Cities for Financial Empowerment Fund)","accessed":"2026-10-21"},"graduation":null,"apply_url":"https://dave.com/","fee_schedule_url":"https://dave.com/deposit-agreement-coastal/","sources":[{"url":"https://dave.com/","title":"Dave home page","publisher":"Dave","accessed":"2026-10-21"},{"url":"https://dave.com/no-hidden-fees","title":"Free yourself from hidden fees","publisher":"Dave","accessed":"2026-10-21"},{"url":"https://dave.com/deposit-agreement-coastal/","title":"Dave Checking Account Deposit Agreement and Disclosures, Coastal Community Bank (last updated July 1, 2026)","publisher":"Dave / Coastal Community Bank","accessed":"2026-10-21"},{"url":"https://dave.com/deposit-agreement","title":"Dave Checking Account (Also Referred to as 'Dave Spending Account') Deposit Agreement and Disclosures, Evolve Bank & Trust (last updated June 29, 2026)","publisher":"Dave / Evolve Bank & Trust","accessed":"2026-10-21"},{"url":"https://dave.com/terms/","title":"Dave Terms of Use (last updated July 13, 2026)","publisher":"Dave","accessed":"2026-10-21"},{"url":"https://support.dave.com/hc/en-us/articles/43123612573197-Does-Dave-offer-check-deposit-check-cashing","title":"Does Dave offer check deposit/check cashing?","publisher":"Dave Support","accessed":"2026-10-21"},{"url":"https://joinbankon.org/accounts/","title":"Bank On Certified Accounts","publisher":"Bank On (Cities for Financial Empowerment Fund)","accessed":"2026-10-21"}],"last_verified":"2026-10-21"},{"slug":"fifth-third-express-banking","institution":"Fifth Third Bank","account_name":"Fifth Third Express Banking","institution_type":"bank","insurance":"FDIC","insurance_detail":"Fifth Third Bank, National Association, Member FDIC","search_terms":["fifth third express banking","fifth third second chance checking","does fifth third use chexsystems","fifth third checkless account"],"summary":"Fifth Third's checkless account costs $5 a month with no listed waiver, and has no balance requirement or overdraft fees. It's built around check cashing and instant-funds mobile deposits, which carry per-check fees. Fifth Third pitches it to people rebuilding credit, and when it launched the account in 2016 it said it was for people shut out of banking, including over past banking problems.","for_past_banking_problems":"stated","for_past_banking_problems_detail":"Fifth Third's product page says Express Banking offers convenient banking for those rebuilding credit. Its 2016 launch release said the account was created for people who typically don't have bank accounts, including those who can't open one because of past banking problems.","chexsystems":{"stance":"not_stated","detail":"Neither the Express Banking page nor the readable part of Fifth Third's Deposit Account Rules & Regulations mentions ChexSystems or pulling reports to open an account. The Rules say Fifth Third may report you to consumer reporting agencies over overdrafts, and the attached privacy notice says the bank collects information from credit bureaus in general terms.","source":{"url":"https://openonline.53.com/product/service/apply/document/depositAccountRules","title":"Deposit Account Rules & Regulations (issued June 25, 2026)","publisher":"Fifth Third Bank, National Association","accessed":"2026-10-21"}},"ews":{"stance":"not_stated","detail":"Early Warning Services appears on the product page only in a Zelle trademark note.","source":{"url":"https://www.53.com/content/fifth-third/en/personal-banking/bank/banking-programs/express.html","title":"Fifth Third Express Banking® | Fifth Third Bank","publisher":"Fifth Third Bank, National Association","accessed":"2026-10-21"}},"credit_check":"not_stated","monthly_fee_usd":5,"fee_waiver":"No waiver is listed; Fifth Third describes a flat $5 monthly fee covering basic account services.","min_opening_deposit_usd":null,"overdraft":"no_overdraft","overdraft_detail":"Fifth Third advertises no overdraft fees, no balance requirement and no overdraft risk on the debit card.","paper_checks":"no","mobile_check_deposit":"yes","debit_card":"yes","atm_access":"Fee-free at Fifth Third network ATMs; $3 per transaction at non-Fifth Third ATMs; $5 for international ATM withdrawals plus a 3% international transaction fee.","early_direct_deposit":"yes","availability":{"scope":"not_stated","open_online":"not_stated","states":[],"detail":"The product page has an 'Open An Account' button linking to an application, but doesn't say the account can be opened fully online or where it's offered. Fifth Third says only that it has branches in 12 states."},"membership":null,"bank_on_certified":"yes","bank_on_source":{"url":"https://joinbankon.org/accounts/","title":"Accounts – BankOn","publisher":"Bank On","accessed":"2026-10-21"},"graduation":null,"apply_url":"https://www.53.com/content/fifth-third/en/personal-banking/bank/banking-programs/express.html","fee_schedule_url":null,"sources":[{"url":"https://www.53.com/content/fifth-third/en/personal-banking/bank/banking-programs/express.html","title":"Fifth Third Express Banking® | Fifth Third Bank","publisher":"Fifth Third Bank, National Association","accessed":"2026-10-21"},{"url":"https://www.53.com/personal-banking/checking/express-banking.html","title":"Fifth Third Express Banking® | Fifth Third Bank","publisher":"Fifth Third Bank, National Association","accessed":"2026-10-21"},{"url":"https://openonline.53.com/product/service/apply/document/depositAccountRules","title":"Deposit Account Rules & Regulations (issued June 25, 2026)","publisher":"Fifth Third Bank, National Association","accessed":"2026-10-21"},{"url":"https://content.53.com/mkg/press-releases/press-release-2016-02-15.html","title":"Fifth Third Bank Launches Express Banking® to Serve the Unbanked and Underbanked (February 15, 2016)","publisher":"Fifth Third Bank","accessed":"2026-10-21"},{"url":"https://joinbankon.org/accounts/","title":"Accounts – BankOn","publisher":"Bank On","accessed":"2026-10-21"}],"last_verified":"2026-10-21"},{"slug":"go2bank","institution":"GO2bank (Green Dot Bank)","account_name":"GO2bank account","display_name":"GO2bank","institution_type":"bank","insurance":"FDIC","insurance_detail":"GO2bank is a trade name of Green Dot Bank, Member FDIC, which holds the money and issues the debit card. Green Dot Bank also uses the names GoBank, Green Dot Bank and Bonneville Bank, and deposits under all these names are added together for the FDIC limit.","search_terms":["go2bank","go2bank chexsystems","go2bank credit check","green dot bank account","go2bank overdraft protection"],"summary":"A mobile bank account from Green Dot Bank sold under the GO2bank name, with a $5 monthly fee that is waived in any month after you receive a payroll or government-benefits direct deposit. Opt-in overdraft protection of up to $300 is available to direct-deposit customers, but it can charge $15 per overdraft. The deposit agreement allows credit history checks but doesn't mention ChexSystems.","for_past_banking_problems":"not_stated","for_past_banking_problems_detail":"We found no GO2bank statement about applicants with past banking problems. The deposit agreement says the bank may decline to open an account and may verify applicant information with other data sources.","chexsystems":{"stance":"not_stated","detail":"The GO2bank Deposit Account Agreement doesn't name ChexSystems. Its consent section lets Green Dot Bank get credit history from credit reporting agencies 'from time to time', but doesn't tie this to account opening. The agreement also lets the bank share account information with consumer reporting agencies.","source":{"url":"https://origin.go2bank.com/content/dam/go2bank/legal/about/docs/go2bankdaa.pdf","title":"GO2bank Deposit Account Agreement","publisher":"Green Dot Bank","accessed":"2026-10-21"}},"ews":{"stance":"not_stated","detail":"Early Warning Services isn't mentioned in the parts of the GO2bank Deposit Account Agreement we read.","source":null},"credit_check":"not_stated","monthly_fee_usd":5,"fee_waiver":"Waived for a monthly statement period if you received at least one payroll or government-benefits direct deposit in the previous period. Other fees: $3 per out-of-network ATM withdrawal, $0.50 per out-of-network balance inquiry, $3 per teller cash withdrawal, and up to $4.95 charged by retailers for cash deposits.","min_opening_deposit_usd":null,"overdraft":"overdraft_fees","overdraft_detail":"Without overdraft protection, transactions over your available balance are generally declined, though a merchant can still push the balance negative. Overdraft protection is opt-in and needs eligible direct deposits, good standing and an activated chip debit card. It covers debit card purchases only, up to $300. A $15 fee may apply to each eligible purchase over $5 that overdraws the account by more than $10, with at most 10 fees per statement period. There's no fee if you bring the balance back to $0 or more within 24 hours.","paper_checks":"not_stated","mobile_check_deposit":"yes","debit_card":"yes","atm_access":"Free at in-network ATMs; $3 per out-of-network withdrawal plus any operator fee. ATM withdrawals are limited to $500 a day and $3,000 a month.","early_direct_deposit":"not_stated","availability":{"scope":"nationwide","open_online":"yes","states":[],"detail":"Open to people 18 or older who are U.S. citizens or lawfully living in the 50 states or DC. Opening online requires mobile number and identity verification, including an SSN. Starter packages are also sold in stores."},"membership":null,"bank_on_certified":"no","bank_on_source":{"url":"https://joinbankon.org/accounts/","title":"Bank On Certified Accounts","publisher":"Bank On (Cities for Financial Empowerment Fund)","accessed":"2026-10-21"},"graduation":null,"apply_url":"https://origin.go2bank.com/help/faqs","fee_schedule_url":"https://origin.go2bank.com/content/dam/go2bank/legal/about/docs/go2bankdaa.pdf","sources":[{"url":"https://origin.go2bank.com/content/dam/go2bank/legal/about/docs/go2bankdaa.pdf","title":"GO2bank Deposit Account Agreement","publisher":"Green Dot Bank","accessed":"2026-10-21"},{"url":"https://origin.go2bank.com/features/overdraft-protection","title":"GO2bank Overdraft Protection","publisher":"GO2bank (Green Dot Bank)","accessed":"2026-10-21"},{"url":"https://origin.go2bank.com/help/faqs","title":"GO2bank FAQs","publisher":"GO2bank (Green Dot Bank)","accessed":"2026-10-21"},{"url":"https://origin.go2bank.com/help/moving_money","title":"Move money to your account","publisher":"GO2bank (Green Dot Bank)","accessed":"2026-10-21"},{"url":"https://joinbankon.org/accounts/","title":"Bank On Certified Accounts","publisher":"Bank On (Cities for Financial Empowerment Fund)","accessed":"2026-10-21"}],"last_verified":"2026-10-21"},{"slug":"keybank-hassle-free","institution":"KeyBank","account_name":"KeyBank Hassle-Free Account","institution_type":"bank","insurance":"FDIC","insurance_detail":"KeyBank N.A.; FDIC-insured","search_terms":["keybank hassle-free account","keybank second chance checking","does keybank use chexsystems","keybank checkless account"],"summary":"KeyBank's checkless account has no monthly maintenance fee and takes $10 to open. Transactions you can't cover may be declined, and KeyBank charges no overdraft or NSF fees even if one posts. Online opening is limited to residents of the 15 states KeyBank lists, and KeyBank doesn't address past banking problems.","for_past_banking_problems":"not_stated","for_past_banking_problems_detail":"The product page doesn't mention applicants with past account problems; it says people who don't qualify for the online application may be able to apply at a branch.","chexsystems":{"stance":"not_stated","detail":"The product page doesn't mention ChexSystems, consumer reports or credit checks. We couldn't open KeyBank's deposit account agreement to check.","source":{"url":"https://www.key.com/personal/checking/key-bank-hassle-free-account.html","title":"No-Hassle Checking: Simple, Easy Banking | KeyBank","publisher":"KeyBank N.A.","accessed":"2026-10-21"}},"ews":{"stance":"not_stated","detail":"Early Warning Services appears on the product page only as the owner of the Zelle mark.","source":{"url":"https://www.key.com/personal/checking/key-bank-hassle-free-account.html","title":"No-Hassle Checking: Simple, Easy Banking | KeyBank","publisher":"KeyBank N.A.","accessed":"2026-10-21"}},"credit_check":"not_stated","monthly_fee_usd":0,"fee_waiver":"No monthly maintenance fee and no minimum balance fee.","min_opening_deposit_usd":10,"overdraft":"no_overdraft","overdraft_detail":"Transactions without enough funds may be declined. A payment can still post and overdraw the account depending on how it was presented, but KeyBank says it won't charge an overdraft or NSF fee in those cases.","paper_checks":"no","mobile_check_deposit":"yes","debit_card":"yes","atm_access":"No fee at KeyBank ATMs; $3 at non-KeyBank ATMs in the U.S. and $5 outside the U.S.","early_direct_deposit":"yes","availability":{"scope":"listed_states","open_online":"yes","states":["AK","CO","CT","ID","IN","ME","MA","MI","NY","OH","OR","PA","UT","VT","WA"],"detail":"Online opening takes about 5 minutes and requires an SSN or TIN, one primary ID and a $10 deposit. Online applicants must be 18 or older, U.S. citizens opening an individual account, and residents of one of the listed states. KeyBank says people who don't qualify online may be able to apply at a branch."},"membership":null,"bank_on_certified":"yes","bank_on_source":{"url":"https://joinbankon.org/accounts/","title":"Accounts – BankOn","publisher":"Bank On","accessed":"2026-10-21"},"graduation":null,"apply_url":"https://www.key.com/personal/checking/key-bank-hassle-free-account.html","fee_schedule_url":null,"sources":[{"url":"https://www.key.com/personal/checking/key-bank-hassle-free-account.html","title":"No-Hassle Checking: Simple, Easy Banking | KeyBank","publisher":"KeyBank N.A.","accessed":"2026-10-21"},{"url":"https://joinbankon.org/accounts/","title":"Accounts – BankOn","publisher":"Bank On","accessed":"2026-10-21"}],"last_verified":"2026-10-21"},{"slug":"nbkc-everything-account","institution":"nbkc bank","account_name":"Everything Account","institution_type":"bank","insurance":"FDIC","insurance_detail":"nbkc says Everything Account deposits are FDIC-insured up to $250,000 per depositor.","search_terms":["nbkc everything account","nbkc bank chexsystems","nbkc bank on certified","nbkc checking no fees"],"summary":"An interest-earning online checking account from nbkc bank, a Kansas City bank that serves customers nationwide online. It has no monthly fee and no opening deposit, refunds up to $12 a month in other banks' ATM fees, and nbkc says it has earned Bank On certification. We couldn't find nbkc's current fee schedule or deposit agreement to confirm its overdraft terms or ChexSystems practices.","for_past_banking_problems":"not_stated","for_past_banking_problems_detail":"We found no nbkc statement about applicants with past banking problems.","chexsystems":{"stance":"not_stated","detail":"Neither nbkc's product page nor its help articles mention ChexSystems. We couldn't open nbkc's disclosures page, which is blocked to automated readers.","source":null},"ews":{"stance":"not_stated","detail":"We found no mention of Early Warning Services on the nbkc pages we could open.","source":null},"credit_check":"not_stated","monthly_fee_usd":0,"fee_waiver":"No monthly fee. nbkc's rates page lists $5 to send a domestic wire (receiving is free) and $45 to send or receive an international wire. Earning the APY needs only a $0.01 balance.","min_opening_deposit_usd":0,"overdraft":"not_stated","overdraft_detail":"We found no current nbkc fee schedule stating overdraft or NSF fees. Optional Overdraft Protection moves money in $25 steps from a linked nbkc account with the same owners; the help article doesn't mention a fee. Without it, transactions may be declined.","paper_checks":"not_stated","mobile_check_deposit":"yes","debit_card":"not_stated","atm_access":"Access to 90,000+ ATMs, plus up to $12 a month in reimbursed out-of-network ATM fees. Cash can also be deposited at nbkc branches.","early_direct_deposit":"yes","availability":{"scope":"nationwide","open_online":"yes","states":[],"detail":"nbkc says its banking services are available online nationwide, with in-person opening at its Kansas City-area branches."},"membership":null,"bank_on_certified":"yes","bank_on_source":{"url":"https://joinbankon.org/accounts/","title":"Bank On Certified Accounts","publisher":"Bank On (Cities for Financial Empowerment Fund)","accessed":"2026-10-21"},"graduation":null,"apply_url":"https://www.nbkc.com/personal/everything-account","fee_schedule_url":"https://www.nbkc.com/personal/checking-savings-rates","sources":[{"url":"https://www.nbkc.com/personal/everything-account","title":"The nbkc Everything Account","publisher":"nbkc bank","accessed":"2026-10-21"},{"url":"https://www.nbkc.com/personal/checking-savings-rates","title":"Checking and Savings Rates (effective 10/20/2026)","publisher":"nbkc bank","accessed":"2026-10-21"},{"url":"https://support.nbkc.com/hc/en-us/articles/49962421207827-What-are-benefits-of-Overdraft-Protection-and-how-do-I-set-it-up","title":"What are benefits of Overdraft Protection and how do I set it up?","publisher":"nbkc bank Help Center","accessed":"2026-10-21"},{"url":"https://joinbankon.org/accounts/","title":"Bank On Certified Accounts","publisher":"Bank On (Cities for Financial Empowerment Fund)","accessed":"2026-10-21"}],"last_verified":"2026-10-21"},{"slug":"onepay","institution":"OnePay (One Finance, Inc.)","account_name":"OnePay Checking","institution_type":"fintech","insurance":"FDIC_pass_through","insurance_detail":"OnePay is a financial technology company, not a bank. Banking services are provided by Coastal Community Bank or Lead Bank, Members FDIC. Approved deposit accounts are FDIC-insured up to $250,000 per depositor through pass-through insurance, and through Cash Sweep partner banks where applicable, if certain conditions are met. FDIC insurance covers the failure of an insured bank, not of OnePay.","search_terms":["onepay checking","onepay walmart bank account","does onepay use chexsystems","onepay credit check","onepay overdraft"],"summary":"An app-based checking account from OnePay, a fintech whose products are built around Walmart shopping, with deposits held at Coastal Community Bank or Lead Bank. It has no monthly fee and no opening deposit, and it includes mobile check deposit, an optional checkbook ($15) and fee-free overdraft up to $250 for people with $500 of monthly direct deposits. OnePay's authorization lets it pull consumer reports to evaluate your application.","for_past_banking_problems":"not_stated","for_past_banking_problems_detail":"OnePay doesn't say the account is for people with past banking problems. Its consumer report authorization says it may decline to open an account after reviewing your application and reports.","chexsystems":{"stance":"uses","detail":"OnePay's Consumer Report and SSA Authorization (effective Sept 8, 2025) lets OnePay and its partner banks obtain consumer reports from consumer reporting agencies to evaluate your application, and says it may decline to open an account. It doesn't name ChexSystems. OnePay's application help article says applying doesn't affect your credit score.","source":{"url":"https://www.onepay.com/legal/consumer-report-ssa-auth","title":"Consumer Report and SSA Authorization","publisher":"OnePay","accessed":"2026-10-21"}},"ews":{"stance":"not_stated","detail":"The same authorization covers consumer reports from any consumer reporting agency, but it doesn't name Early Warning Services.","source":{"url":"https://www.onepay.com/legal/consumer-report-ssa-auth","title":"Consumer Report and SSA Authorization","publisher":"OnePay","accessed":"2026-10-21"}},"credit_check":"not_stated","monthly_fee_usd":0,"fee_waiver":"The rates and fees schedule (effective Oct 13, 2026) lists a $0 monthly fee and $0 overdraft fee, with no minimum balance to open. Other fees: $3 per non-Allpoint ATM withdrawal, $15 per checkbook, 1.75% for instant transfers out ($0.25 minimum), and 3% or 5% for the optional OnePay Advance.","min_opening_deposit_usd":0,"overdraft":"fee_free_buffer","overdraft_detail":"Customers who receive $500 of direct deposits in a month are enrolled automatically in fee-free overdraft, which allows a negative balance of up to $250 at no fee (you can opt out). Overdrafts are paid at OnePay's discretion and aren't guaranteed. OnePay Advance is a separate, opt-in, fee-based overdraft service: 3% of the advance for accounts opened on or before Aug 20, 2026 and 5% for accounts opened after.","paper_checks":"yes","mobile_check_deposit":"yes","debit_card":"yes","atm_access":"Free at Allpoint ATMs; $3 at other ATMs, plus any operator fee.","early_direct_deposit":"yes","availability":{"scope":"nationwide","open_online":"yes","states":[],"detail":"App-based. Applicants must be 18 or older with a U.S. physical residential address, a U.S. mobile number and an SSN or ITIN, and identity is checked against third-party data. OnePay's help article lists no state exclusions."},"membership":null,"bank_on_certified":"no","bank_on_source":{"url":"https://joinbankon.org/accounts/","title":"Bank On Certified Accounts","publisher":"Bank On (Cities for Financial Empowerment Fund)","accessed":"2026-10-21"},"graduation":null,"apply_url":"https://www.onepay.com/","fee_schedule_url":"https://www.onepay.com/legal/account-rates-fees","sources":[{"url":"https://www.onepay.com/","title":"OnePay home page","publisher":"OnePay","accessed":"2026-10-21"},{"url":"https://www.onepay.com/legal/account-rates-fees","title":"Account Rates and Fees (effective Oct 13, 2026)","publisher":"OnePay","accessed":"2026-10-21"},{"url":"https://www.onepay.com/legal/ccb-deposit-account-agreement","title":"OnePay Deposit Account Agreement, Coastal Community Bank (effective Oct 13, 2026)","publisher":"OnePay / Coastal Community Bank","accessed":"2026-10-21"},{"url":"https://www.onepay.com/legal/consumer-report-ssa-auth","title":"Consumer Report and SSA Authorization (effective Sept 8, 2025)","publisher":"OnePay","accessed":"2026-10-21"},{"url":"https://www.onepay.com/help-center/articles/onepay-deposit-application-process","title":"OnePay Deposit Account Application process","publisher":"OnePay Help Center","accessed":"2026-10-21"},{"url":"https://joinbankon.org/accounts/","title":"Bank On Certified Accounts","publisher":"Bank On (Cities for Financial Empowerment Fund)","accessed":"2026-10-21"}],"last_verified":"2026-10-21"},{"slug":"pnc-simple-checking","institution":"PNC Bank","account_name":"PNC Simple Checking","institution_type":"bank","insurance":"FDIC","insurance_detail":"PNC Bank, National Association, Member FDIC","search_terms":["pnc simple checking","pnc second chance checking","pnc foundation checking","does pnc use chexsystems","does pnc use early warning services"],"summary":"PNC's low-fee, no-overdraft-fee checking account. The $5 monthly charge is waived with a direct deposit of any amount or if you're under 25 or 62 and older, and it takes $0 to open online ($25 in a branch). PNC openly pitches it as a second chance at banking, but it still reviews Early Warning Services reports and says a negative history may affect eligibility.","for_past_banking_problems":"stated","for_past_banking_problems_detail":"PNC says the account can be a fresh start for people looking for a second chance at safe, affordable banking. It adds that applicants must meet standard banking requirements and that a negative banking history may affect eligibility.","chexsystems":{"stance":"uses","detail":"PNC's account agreement says that by opening the account you authorize it to obtain consumer reports from third parties such as consumer reporting agencies, to verify your identity and decide whether you're eligible, and again later to service the account. ChexSystems isn't named in the parts we read; PNC's product page names only Early Warning Services.","source":{"url":"https://www.pnc.com/content/dam/pnc-com/pdf/personal/Checking/Account-Agreement-Personal-Accounts.pdf","title":"Account Agreement for Consumer Checking, Savings and Money Market Accounts (effective September 20, 2026)","publisher":"PNC Bank, National Association","accessed":"2026-10-21"}},"ews":{"stance":"considers_history","detail":"PNC's FAQ says it reviews standard banking history reports, such as Early Warning Services, when opening the account, and that a negative history may affect eligibility. It still positions the account as a second chance. The account agreement also says PNC furnishes information to Early Warning Services and explains how to dispute it.","source":{"url":"https://www.pnc.com/en/personal-banking/banking/checking/simple-checking.html","title":"PNC Simple Checking: Hassle-Free Banking With Fewer Fees","publisher":"PNC Bank, National Association","accessed":"2026-10-22"}},"credit_check":"not_stated","monthly_fee_usd":5,"fee_waiver":"Waived for a statement period with a qualifying direct deposit of any amount, when an account holder is under 25 or 62 or older (based on the primary or secondary owner's date of birth), or for PNC employees.","min_opening_deposit_usd":25,"overdraft":"no_overdraft","overdraft_detail":"Transactions the account can't cover are declined, and PNC charges $0 overdraft and returned-item fees. Some pre-authorized transactions (such as gas station holds) can still overdraw the account, without a fee.","paper_checks":"yes","mobile_check_deposit":"yes","debit_card":"yes","atm_access":"Fee-free at PNC and partner ATMs (PNC cites about 60,000); $3 per transaction at other ATMs in the U.S., Canada, Puerto Rico and the U.S. Virgin Islands ($5 in other countries), and other banks' surcharges aren't reimbursed.","early_direct_deposit":"not_stated","availability":{"scope":"not_stated","open_online":"yes","states":[],"detail":"Opens online with no minimum deposit. PNC announced a 'national introduction' of the account in December 2025 and says opening is available across all PNC channels, but the pages we read don't list eligible states or say whether online applicants must live in PNC's branch markets. The fee schedule notes that products and prices may vary by market."},"membership":null,"bank_on_certified":"yes","bank_on_source":{"url":"https://joinbankon.org/accounts/","title":"Accounts – BankOn","publisher":"Bank On","accessed":"2026-10-21"},"graduation":null,"apply_url":"https://www.pnc.com/en/personal-banking/banking/checking/simple-checking.html","fee_schedule_url":"https://www.pnc.com/content/dam/pnc-com/pdf/personal/Checking/Simple_Checking_Fees.pdf","sources":[{"url":"https://www.pnc.com/en/personal-banking/banking/checking/simple-checking.html","title":"PNC Simple Checking: Hassle-Free Banking With Fewer Fees","publisher":"PNC Bank, National Association","accessed":"2026-10-22"},{"url":"https://www.pnc.com/content/dam/pnc-com/pdf/personal/Checking/Simple_Checking_Fees.pdf","title":"Consumer Schedule of Service Charges and Fees, PNC Simple Checking (effective February 22, 2026)","publisher":"PNC Bank, National Association","accessed":"2026-10-21"},{"url":"https://www.pnc.com/content/dam/pnc-com/pdf/personal/Checking/Account-Agreement-Personal-Accounts.pdf","title":"Account Agreement for Consumer Checking, Savings and Money Market Accounts (effective September 20, 2026)","publisher":"PNC Bank, National Association","accessed":"2026-10-21"},{"url":"https://pnc.mediaroom.com/2025-12-15-PNC-Simple-Checking-Offers-Straightforward,-Worry-Free-Banking","title":"PNC Simple Checking Offers Straightforward, Worry-Free Banking (December 15, 2025)","publisher":"PNC Financial Services Group","accessed":"2026-10-21"},{"url":"https://joinbankon.org/accounts/","title":"Accounts – BankOn","publisher":"Bank On","accessed":"2026-10-21"},{"url":"https://www.pnc.com/en/personal-banking/banking/checking/foundation-checking-update.html","title":"PNC Foundation Checking update","publisher":"PNC Bank","accessed":"2026-10-21"}],"last_verified":"2026-10-21"},{"slug":"regions-now-checking","institution":"Regions","account_name":"Regions Now Checking","institution_type":"bank","insurance":"FDIC","insurance_detail":"Regions Bank, Member FDIC","search_terms":["regions now checking","regions second chance checking","does regions use chexsystems","regions no overdraft fee account"],"summary":"Regions' no-overdraft-fee account costs a flat $5 a month with no waivers and takes $10 to open. Unlike most accounts in this category, you can order and write paper checks; items the balance can't cover are returned or declined without overdraft or returned-item fees. Regions doesn't pitch it to people with past account problems, and its agreement allows it to request consumer reports.","for_past_banking_problems":"not_stated","for_past_banking_problems_detail":"Regions promotes the account as Bank On certified and safe, but doesn't address applicants with past account problems.","chexsystems":{"stance":"uses","detail":"The 'Verification' section of the Regions Deposit Agreement says you authorize Regions to investigate information you provide at any time, including by requesting reports from credit bureaus and consumer reporting agencies. ChexSystems isn't named.","source":{"url":"https://www.regions.com/-/media/pdfs/terms/Deposit-Agreement.pdf","title":"Deposit Agreement (form 09/26)","publisher":"Regions Bank","accessed":"2026-10-21"}},"ews":{"stance":"not_stated","detail":"The same Verification clause covers consumer reporting agencies generally; Early Warning Services isn't named (it appears on the product page only as the owner of the Zelle trademark).","source":{"url":"https://www.regions.com/-/media/pdfs/terms/Deposit-Agreement.pdf","title":"Deposit Agreement (form 09/26)","publisher":"Regions Bank","accessed":"2026-10-21"}},"credit_check":"not_stated","monthly_fee_usd":5,"fee_waiver":"None; Regions lists ways to avoid the fee as 'not applicable'. The fee is charged in advance on the first business day of each statement period and isn't prorated if you close the account.","min_opening_deposit_usd":10,"overdraft":"no_overdraft","overdraft_detail":"No Standard Overdraft Coverage. Items presented against an insufficient available balance are returned unpaid and debit card and other withdrawals are declined, with $0 paid-overdraft and returned-item fees. The account can still go negative through timing or fees, and payees may charge their own fees.","paper_checks":"yes","mobile_check_deposit":"yes","debit_card":"yes","atm_access":"No fee at Regions ATMs; $2.50 per withdrawal request, balance inquiry or transfer at non-Regions ATMs ($5 for international withdrawals and transfers), plus any owner fee. Service members with a military ID get two non-Regions ATM transactions per period without the Regions fee.","early_direct_deposit":"yes","availability":{"scope":"not_stated","open_online":"yes","states":[],"detail":"Regions says the account can be opened online in about 5 minutes, or by branch or phone. Its online-opening page lists no residency or state requirement beyond age of majority, and doesn't say which states are eligible."},"membership":null,"bank_on_certified":"yes","bank_on_source":{"url":"https://joinbankon.org/accounts/","title":"Accounts – BankOn","publisher":"Bank On","accessed":"2026-10-21"},"graduation":null,"apply_url":"https://www.regions.com/personal-banking/checking/now-checking-account","fee_schedule_url":"https://www.regions.com/-/media/pdfs/pricing-schedules/Now-Checking-Pricing-Schedule","sources":[{"url":"https://www.regions.com/personal-banking/checking/now-checking-account","title":"Regions Now Checking | Bank On Certified | Regions Bank","publisher":"Regions Bank","accessed":"2026-10-21"},{"url":"https://www.regions.com/-/media/pdfs/pricing-schedules/Now-Checking-Pricing-Schedule","title":"Regions Now Checking: Disclosure of Account Terms and Pricing Schedule (effective April 23, 2026)","publisher":"Regions Bank","accessed":"2026-10-21"},{"url":"https://www.regions.com/-/media/pdfs/terms/Deposit-Agreement.pdf","title":"Deposit Agreement (form 09/26)","publisher":"Regions Bank","accessed":"2026-10-21"},{"url":"https://www.regions.com/personal-banking/open-bank-account-online","title":"Open a Bank Account Online | Sign Up Today | Regions Bank","publisher":"Regions Bank","accessed":"2026-10-21"},{"url":"https://www.regions.com/help/fdic-statement","title":"Federally Insured Deposits | Regions Bank","publisher":"Regions Bank","accessed":"2026-10-21"},{"url":"https://joinbankon.org/accounts/","title":"Accounts – BankOn","publisher":"Bank On","accessed":"2026-10-21"}],"last_verified":"2026-10-21"},{"slug":"sofi-checking-savings","institution":"SoFi Bank, N.A.","account_name":"SoFi Checking and Savings","institution_type":"bank","insurance":"FDIC","insurance_detail":"SoFi Bank, N.A., Member FDIC. SoFi Bank itself provides up to $250,000 of FDIC insurance per depositor per ownership category. Through the SoFi Insured Deposit Program, which spreads deposits across participating program banks, coverage can reach up to $3 million.","search_terms":["sofi checking and savings","does sofi use chexsystems","sofi credit check checking account","sofi overdraft coverage","sofi bank account denied"],"summary":"An online checking and savings account from SoFi Bank, a national bank. It has no account or maintenance fees, no opening deposit, a free checkbook and fee-free overdraft coverage of up to $50 if you qualify. The deposit agreement lets SoFi pull consumer and credit reports when deciding whether to open an account, so it isn't positioned as a second-chance product.","for_past_banking_problems":"not_stated","for_past_banking_problems_detail":"SoFi doesn't market the account to people with past banking problems. Its agreement says it may deny an application for any reason in its sole discretion and may review consumer and credit reports when deciding whether to open an account.","chexsystems":{"stance":"uses","detail":"The deposit agreement (effective June 23, 2026) lets SoFi Bank obtain your consumer and credit reports, including to evaluate whether to open, close or restrict your account. It doesn't name ChexSystems specifically.","source":{"url":"https://d32ijn7u0aqfv4.cloudfront.net/wp/wp-content/uploads/raw/SoFi-Bank-Deposit-Account-Agreement-June-23-2026-1.pdf","title":"SoFi Bank Deposit Account Agreement (effective June 23, 2026)","publisher":"SoFi Bank, N.A.","accessed":"2026-10-21"}},"ews":{"stance":"not_stated","detail":"The same consumer report authorization in the deposit agreement covers account-opening decisions, but it doesn't name Early Warning Services. On SoFi's checking page, Early Warning appears only in the Zelle trademark notice.","source":{"url":"https://d32ijn7u0aqfv4.cloudfront.net/wp/wp-content/uploads/raw/SoFi-Bank-Deposit-Account-Agreement-June-23-2026-1.pdf","title":"SoFi Bank Deposit Account Agreement (effective June 23, 2026)","publisher":"SoFi Bank, N.A.","accessed":"2026-10-21"}},"credit_check":"not_stated","monthly_fee_usd":0,"fee_waiver":"The SoFi Bank fee sheet (effective May 18, 2026) lists $0 for monthly maintenance, minimum balance, overdraft, returned items and check orders. Fees apply to outgoing wires ($30), outgoing instant transfers (0.75%, $1 minimum, $30 maximum) and global remittances. Retail partners may charge up to $4.95 per cash deposit.","min_opening_deposit_usd":0,"overdraft":"fee_free_buffer","overdraft_detail":"Overdraft Coverage covers up to $50 of negative balance on SoFi debit card purchases only. It's offered automatically to members with at least $1,000 of eligible direct deposits in a rolling 31-day period, and you can opt out. Members with past unpaid negative balances don't qualify. It has no fees or interest and doesn't cover ATM withdrawals, P2P transfers, bill pay or checks. The fee sheet lists $0 overdraft and returned-item fees, and items may be returned when funds are short.","paper_checks":"yes","mobile_check_deposit":"yes","debit_card":"yes","atm_access":"No SoFi fee at Allpoint ATMs (55,000+). SoFi charges no fee at other ATMs, but the operator may.","early_direct_deposit":"yes","availability":{"scope":"nationwide","open_online":"yes","states":[],"detail":"Online and app only. Open to U.S. citizens, permanent residents and non-permanent residents 18 or older with a valid SSN or ITIN and a U.S. street address or military address (no P.O. boxes), in the 50 states and DC. Opening is subject to approval."},"membership":null,"bank_on_certified":"no","bank_on_source":{"url":"https://joinbankon.org/accounts/","title":"Bank On Certified Accounts","publisher":"Bank On (Cities for Financial Empowerment Fund)","accessed":"2026-10-21"},"graduation":null,"apply_url":"https://www.sofi.com/banking/","fee_schedule_url":"https://d32ijn7u0aqfv4.cloudfront.net/wp/wp-content/uploads/raw/SoFi-Bank-Fee-Sheet-May-18-2026.pdf","sources":[{"url":"https://www.sofi.com/banking/","title":"SoFi Checking and Savings","publisher":"SoFi","accessed":"2026-10-21"},{"url":"https://www.sofi.com/banking/checking-account/","title":"SoFi Checking Account","publisher":"SoFi","accessed":"2026-10-30"},{"url":"https://d32ijn7u0aqfv4.cloudfront.net/wp/wp-content/uploads/raw/SoFi-Bank-Deposit-Account-Agreement-June-23-2026-1.pdf","title":"SoFi Bank Deposit Account Agreement (effective June 23, 2026)","publisher":"SoFi Bank, N.A.","accessed":"2026-10-21"},{"url":"https://d32ijn7u0aqfv4.cloudfront.net/wp/wp-content/uploads/raw/SoFi-Bank-Fee-Sheet-May-18-2026.pdf","title":"SoFi Bank Fee Sheet (effective May 18, 2026)","publisher":"SoFi Bank, N.A.","accessed":"2026-10-21"},{"url":"https://joinbankon.org/accounts/","title":"Bank On Certified Accounts","publisher":"Bank On (Cities for Financial Empowerment Fund)","accessed":"2026-10-21"}],"last_verified":"2026-10-30"},{"slug":"td-essential-banking","institution":"TD Bank","account_name":"TD Essential Banking","institution_type":"bank","insurance":"FDIC","insurance_detail":"TD Bank, N.A., Member FDIC","search_terms":["td essential banking","td bank second chance checking","does td bank use chexsystems","td bank checkless account"],"summary":"TD's checkless account costs $4.95 a month (waived only while the primary owner is 13 to 17) and needs no opening deposit. TD charges no overdraft fees and may decline or return transactions that exceed the balance. TD's agreement says it can check your deposit history through consumer reporting agencies, including Early Warning, before opening an account.","for_past_banking_problems":"not_stated","for_past_banking_problems_detail":"TD describes it as an everyday account for people who want to avoid overdraft fees; it doesn't address past banking problems.","chexsystems":{"stance":"uses","detail":"TD's Personal Deposit Account Agreement says TD may verify your credit, deposit and employment history through third parties, including consumer reporting agencies, and use that information to decide whether to open, maintain or close an account. If an account is declined for adverse information, you can request the report from the agency. ChexSystems isn't named in the text we read.","source":{"url":"https://www.td.com/content/dam/tdb/document/pdf/personal-banking/personalacctagree-en.pdf","title":"Personal Deposit Account Agreement","publisher":"TD Bank, N.A.","accessed":"2026-10-21"}},"ews":{"stance":"uses","detail":"The same section tells customers to dispute deposit-history information supplied to TD directly with the consumer reporting agency, and gives Early Warning Services' phone number and consumer-ID instructions.","source":{"url":"https://www.td.com/content/dam/tdb/document/pdf/personal-banking/personalacctagree-en.pdf","title":"Personal Deposit Account Agreement","publisher":"TD Bank, N.A.","accessed":"2026-10-21"}},"credit_check":"not_stated","monthly_fee_usd":4.95,"fee_waiver":"No monthly fee while the primary account holder is 13 through 17; the fee starts on the holder's 18th birthday. No other waiver is listed.","min_opening_deposit_usd":0,"overdraft":"no_overdraft","overdraft_detail":"Overdraft services don't apply and TD never charges an overdraft fee on this account. TD may decline or return items that exceed the available balance; some transactions, such as preauthorized ones, can still post and overdraw the account without an overdraft fee.","paper_checks":"no","mobile_check_deposit":"yes","debit_card":"yes","atm_access":"No fee at TD ATMs in the U.S. and Canada; $3 per withdrawal or transfer at non-TD ATMs plus any owner or network surcharge; 3% fee on foreign-currency transactions.","early_direct_deposit":"yes","availability":{"scope":"not_stated","open_online":"yes","states":[],"detail":"TD offers an online application for Essential Banking (subject to approval; applicants under 18 need a parent or guardian as joint owner). TD's location directory lists stores in CT, DE, DC, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT and VA, but the pages we read don't say whether online applicants must live in those states."},"membership":null,"bank_on_certified":"yes","bank_on_source":{"url":"https://joinbankon.org/accounts/","title":"Accounts – BankOn","publisher":"Bank On","accessed":"2026-10-21"},"graduation":null,"apply_url":"https://www.td.com/us/en/personal-banking/checking-accounts/apply/essential-banking","fee_schedule_url":"https://www.td.com/content/dam/tdb/document/pdf/personal-banking/essential-en.pdf","sources":[{"url":"https://www.td.com/content/dam/tdb/document/pdf/personal-banking/essential-en.pdf","title":"TD Essential Banking Account Guide (form 38531-CK, 07/26)","publisher":"TD Bank, N.A.","accessed":"2026-10-21"},{"url":"https://www.td.com/us/en/personal-banking/checking-accounts","title":"Open a Checking Account Online | TD Bank","publisher":"TD Bank, N.A.","accessed":"2026-10-21"},{"url":"https://www.td.com/us/en/personal-banking/checking-accounts/apply/essential-banking","title":"TD Essential Banking & Savings Bundle | TD Bank","publisher":"TD Bank, N.A.","accessed":"2026-10-21"},{"url":"https://www.td.com/content/dam/tdb/document/pdf/personal-banking/personalacctagree-en.pdf","title":"Personal Deposit Account Agreement","publisher":"TD Bank, N.A.","accessed":"2026-10-21"},{"url":"https://locations.td.com/us","title":"TD Bank US Store & ATM Locations By State","publisher":"TD Bank, N.A.","accessed":"2026-10-21"},{"url":"https://joinbankon.org/accounts/","title":"Accounts – BankOn","publisher":"Bank On","accessed":"2026-10-21"}],"last_verified":"2026-10-21"},{"slug":"truist-confidence-account","institution":"Truist","account_name":"Truist Confidence Account","institution_type":"bank","insurance":"FDIC","insurance_detail":"Truist Bank, Member FDIC","search_terms":["truist confidence account","truist second chance checking","does truist use chexsystems","truist checkless account"],"summary":"Truist's checkless account is meant for people who may not qualify for a standard checking account. It costs $5 a month, with four easy waivers (including $500 in deposits or 10 qualifying transactions), and takes $25 to open. There are no overdraft, NSF or returned-item fees, and starting October 2026 Truist reviews accounts after a year for a possible upgrade.","for_past_banking_problems":"stated","for_past_banking_problems_detail":"Truist's account overview describes it as a checkless product for retail clients who may not be eligible to open a standard checking account.","chexsystems":{"stance":"uses","detail":"Truist's Bank Services Agreement says that, as part of qualifying and maintaining depositors, you authorize Truist to obtain information from credit reporting agencies, Early Warning Services or similar agencies as it deems necessary, for internal use. ChexSystems isn't named in the text we read.","source":{"url":"https://www.truist.com/content/dam/truist-bank/us/en/documents/disclosures/banking/bank-services-agreement-privacy-notice.pdf","title":"Bank Services Agreement","publisher":"Truist Bank","accessed":"2026-10-21"}},"ews":{"stance":"uses","detail":"The Bank Services Agreement names Early Warning Services, LLC among the sources Truist may obtain information from when qualifying and maintaining depositors.","source":{"url":"https://www.truist.com/content/dam/truist-bank/us/en/documents/disclosures/banking/bank-services-agreement-privacy-notice.pdf","title":"Bank Services Agreement","publisher":"Truist Bank","accessed":"2026-10-21"}},"credit_check":"not_stated","monthly_fee_usd":5,"fee_waiver":"Waived in any statement cycle with $500 or more in total deposits, 10 or more qualifying transactions (ATM, debit card and Zelle payments that post; bank fees don't count), a primary owner who is a student (until the anticipated graduation date), or a primary owner under 25 or 62 and older.","min_opening_deposit_usd":25,"overdraft":"no_overdraft","overdraft_detail":"Truist doesn't charge overdraft, insufficient-funds or returned-deposited-item fees on this account. Transactions over the balance are typically declined or returned; the only overdraft protection is a free transfer from a linked Truist Confidence Savings account. The balance can still go negative in limited cases, such as a tip added after a card payment is approved.","paper_checks":"no","mobile_check_deposit":"yes","debit_card":"yes","atm_access":"No fee at Truist ATMs; $2.50 per withdrawal and $1 per balance inquiry at non-Truist ATMs in the U.S.; $5 per transaction plus a 3% assessment at non-Truist international ATMs; other ATM owners may add fees.","early_direct_deposit":"not_stated","availability":{"scope":"not_stated","open_online":"yes","states":[],"detail":"Truist says you can apply online. The pages we read don't say which states are eligible."},"membership":null,"bank_on_certified":"yes","bank_on_source":{"url":"https://joinbankon.org/accounts/","title":"Accounts – BankOn","publisher":"Bank On","accessed":"2026-10-21"},"graduation":"Beginning October 2026, Truist reviews Confidence accounts after one year for a possible upgrade, based on factors such as account status, tenure, activity and overdraft activity. Eligibility is at Truist's discretion and eligible clients are notified by email.","apply_url":"https://www.truist.com/checking/truist-confidence-banking","fee_schedule_url":"https://www.truist.com/content/dam/truist-bank/us/en/documents/disclosures/personal/aog-truist-confidence-account.pdf","sources":[{"url":"https://www.truist.com/checking/truist-confidence-banking","title":"Secured Bank Account - No Overdrafts | Truist Confidence Account | Truist","publisher":"Truist Bank","accessed":"2026-10-21"},{"url":"https://www.truist.com/content/dam/truist-bank/us/en/documents/disclosures/personal/aog-truist-confidence-account.pdf","title":"Truist Confidence Account Overview (TCA-AOG, 09/28/2026)","publisher":"Truist Bank","accessed":"2026-10-21"},{"url":"https://www.truist.com/checking/truist-confidence-banking/disclosures-and-fees","title":"Truist Confidence Account Disclosure and Fees | Truist","publisher":"Truist Bank","accessed":"2026-10-21"},{"url":"https://www.truist.com/content/dam/truist-bank/us/en/documents/disclosures/banking/bank-services-agreement-privacy-notice.pdf","title":"Bank Services Agreement","publisher":"Truist Bank","accessed":"2026-10-21"},{"url":"https://joinbankon.org/accounts/","title":"Accounts – BankOn","publisher":"Bank On","accessed":"2026-10-21"}],"last_verified":"2026-10-21"},{"slug":"us-bank-safe-debit","institution":"U.S. Bank","account_name":"Safe Debit Account","institution_type":"bank","insurance":"FDIC","insurance_detail":"U.S. Bank National Association, Member FDIC","search_terms":["us bank safe debit account","u.s. bank second chance checking","does us bank use chexsystems","us bank checkless account"],"summary":"U.S. Bank's checkless debit-card account has a flat $4.95 monthly fee that can't be waived and takes $25 to open. U.S. Bank offers no overdraft services on it, so transactions you can't cover are declined without overdraft fees. U.S. Bank calls it an alternative to traditional checking but doesn't say it's for people with past account problems.","for_past_banking_problems":"not_stated","for_past_banking_problems_detail":"U.S. Bank describes the account as an alternative to a traditional checking account and says eligibility requirements apply, without addressing past banking history.","chexsystems":{"stance":"not_stated","detail":"Neither the Safe Debit pages nor the Safe Debit terms mention ChexSystems or screening. The deposit account agreement we could read says U.S. Bank may report deposit account information to consumer reporting agencies, which may stop you from getting services at other banks, but we found no clause about pulling reports when you open an account.","source":{"url":"https://m.usbank.com/content/experience-fragments/usbank/en_us/deposits/deposit-account-agreement/master.html","title":"Your Deposit Account Agreement (effective February 10, 2025)","publisher":"U.S. Bank National Association","accessed":"2026-10-22"}},"ews":{"stance":"not_stated","detail":"Early Warning Services appears only as the owner of the Zelle trademark in the Safe Debit terms.","source":{"url":"https://www.usbank.com/caas/safe-debit-account-agreement.html","title":"Safe Debit Account Terms and Conditions (effective February 10, 2025)","publisher":"U.S. Bank National Association","accessed":"2026-10-21"}},"credit_check":"not_stated","monthly_fee_usd":4.95,"fee_waiver":"None. U.S. Bank says the $4.95 monthly maintenance fee can't be waived, and Bank Smartly fee waivers don't apply. (Having a Safe Debit account does waive the $5 fee on a Bank Smartly Savings account.)","min_opening_deposit_usd":25,"overdraft":"no_overdraft","overdraft_detail":"No overdraft services or overdraft protection. ATM and debit card transactions aren't authorized when funds are short, and automatic bill payments and recurring card charges aren't paid; no overdraft-paid fees apply, though merchants may charge their own fees. The balance can still go negative in limited cases.","paper_checks":"no","mobile_check_deposit":"yes","debit_card":"yes","atm_access":"No fee at U.S. Bank ATMs; $2.50 per transaction at non-U.S. Bank ATMs plus any owner surcharge (surcharges at MoneyPass ATMs can be refunded on request).","early_direct_deposit":"not_stated","availability":{"scope":"not_stated","open_online":"not_stated","states":[],"detail":"U.S. Bank's checking page says online applicants must be 18 or older and legal U.S. residents and fund $25 after approval, and that accounts can also be opened at any branch with a valid government ID. It doesn't say explicitly whether Safe Debit can be opened online or in which states. We couldn't load the Safe Debit product page."},"membership":null,"bank_on_certified":"yes","bank_on_source":{"url":"https://joinbankon.org/accounts/","title":"Accounts – BankOn","publisher":"Bank On","accessed":"2026-10-21"},"graduation":null,"apply_url":"https://www.usbank.com/bank-accounts/checking-accounts.html","fee_schedule_url":"https://www.usbank.com/caas/safe-debit-snapshot.html","sources":[{"url":"https://www.usbank.com/caas/safe-debit-snapshot.html","title":"Safe Debit Snapshot | Common fees | U.S. Bank","publisher":"U.S. Bank National Association","accessed":"2026-10-21"},{"url":"https://www.usbank.com/bank-accounts/checking-accounts.html","title":"Checking accounts - Open online | U.S. Bank","publisher":"U.S. Bank National Association","accessed":"2026-10-21"},{"url":"https://www.usbank.com/caas/safe-debit-account-agreement.html","title":"Safe Debit Account Terms and Conditions (effective February 10, 2025)","publisher":"U.S. Bank National Association","accessed":"2026-10-21"},{"url":"https://apply.usbank.com/api/documents/disclosures/Safe%20Debit%20Account%20Pricing%20and%20Information%20FINAL.pdf","title":"Safe Debit Account pricing and information (effective July 17, 2019)","publisher":"U.S. Bank National Association","accessed":"2026-10-22"},{"url":"https://m.usbank.com/content/experience-fragments/usbank/en_us/deposits/deposit-account-agreement/master.html","title":"Your Deposit Account Agreement (effective February 10, 2025)","publisher":"U.S. Bank National Association","accessed":"2026-10-22"},{"url":"https://www.usbank.com/dam/en/documents/pdfs/disclosures/your-deposit-account-agreement.pdf","title":"Your Deposit Account Agreement & General Terms & Conditions (effective August 10, 2026)","publisher":"U.S. Bank National Association","accessed":"2026-10-22"},{"url":"https://joinbankon.org/accounts/","title":"Accounts – BankOn","publisher":"Bank On","accessed":"2026-10-21"}],"last_verified":"2026-10-21"},{"slug":"varo-bank","institution":"Varo Bank, N.A.","account_name":"Varo Bank Account","institution_type":"bank","insurance":"FDIC","insurance_detail":"Varo Bank, N.A., Member FDIC. Varo says it is a nationally chartered online bank, so deposits are FDIC-insured up to $250,000 directly with Varo, with no partner bank.","search_terms":["varo bank account","does varo use chexsystems","varo credit check","varo bank second chance","varo overdraft"],"summary":"A no-monthly-fee online checking account from Varo Bank, a nationally chartered bank. Varo says it does not use ChexSystems or check credit when you apply, and there's no minimum opening deposit. It's a checkless account: you pay with the debit card and transfers, and card purchases are declined if funds are short.","for_past_banking_problems":"stated","for_past_banking_problems_detail":"Varo's own second-chance banking article says Varo never runs credit report checks or ChexSystems screenings on account applications, and frames this as helpful for people with past banking trouble. This comes from Varo's educational articles (dated Aug 9, 2023), not its account agreement.","chexsystems":{"stance":"says_no","detail":"Two Varo-published articles say Varo doesn't use ChexSystems when reviewing account applications and doesn't check credit history when you apply. The account agreement (effective Feb 13, 2026) and general terms (effective May 4, 2026) don't mention ChexSystems; they let Varo verify applicants against third-party databases.","source":{"url":"https://www.varomoney.com/money-101/banking/what-is-second-chance-banking","title":"What Is Second Chance Banking & How Can It Help","publisher":"Varo Bank","accessed":"2026-10-21"}},"ews":{"stance":"not_stated","detail":"We found no mention of Early Warning Services on Varo's site, its articles or its account agreements.","source":null},"credit_check":"none_stated","monthly_fee_usd":0,"fee_waiver":"No monthly, minimum balance or maintenance fees. Out-of-network and international ATM withdrawals cost $3.50, over-the-counter cash withdrawals cost $2.50, and retailers other than standalone CVS stores may charge up to $5.95 for cash deposits.","min_opening_deposit_usd":0,"overdraft":"no_overdraft","overdraft_detail":"Card transactions are declined when funds are short, and Varo doesn't charge overdraft fees. A balance can still go negative in some cases, and Varo may close the account if it stays negative for more than 60 days. Varo Advance is a separate, fee-based cash advance ($20 to $250 to start), and approval depends on consumer reports and account activity.","paper_checks":"no","mobile_check_deposit":"yes","debit_card":"yes","atm_access":"No fee at U.S. Allpoint ATMs (40,000+); $3.50 at out-of-network and international ATMs, plus any operator fee.","early_direct_deposit":"yes","availability":{"scope":"nationwide","open_online":"yes","states":[],"detail":"Online and app only. Open to people 18 or older with a valid SSN or ITIN and a physical U.S. street address (no P.O. boxes) in the 50 states or DC. One Bank Account per customer."},"membership":null,"bank_on_certified":"no","bank_on_source":{"url":"https://joinbankon.org/accounts/","title":"Bank On Certified Accounts","publisher":"Bank On (Cities for Financial Empowerment Fund)","accessed":"2026-10-21"},"graduation":null,"apply_url":"https://www.varomoney.com/bank-account/","fee_schedule_url":"https://www.varomoney.com/privacy-legal/fees/","sources":[{"url":"https://www.varomoney.com/","title":"Varo Bank home page","publisher":"Varo Bank","accessed":"2026-10-21"},{"url":"https://www.varomoney.com/bank-account/","title":"Varo Bank Account","publisher":"Varo Bank","accessed":"2026-10-21"},{"url":"https://www.varomoney.com/privacy-legal/fees/","title":"Fees Disclosure (updated September 2026)","publisher":"Varo Bank","accessed":"2026-10-21"},{"url":"https://prod-cdn.varomoney.com/agreements/CHECKING_ACCOUNT.pdf","title":"Varo Bank, N.A. Bank Account Agreement and Disclosures (effective Feb 13, 2026)","publisher":"Varo Bank","accessed":"2026-10-21"},{"url":"https://prod-cdn.varomoney.com/agreements/GENERAL_TERMS_AGREEMENT.pdf","title":"Varo Bank General Terms Agreement & Disclosures (effective May 4, 2026)","publisher":"Varo Bank","accessed":"2026-10-21"},{"url":"https://www.varomoney.com/money-101/banking/what-is-second-chance-banking","title":"What Is Second Chance Banking & How Can It Help","publisher":"Varo Bank","accessed":"2026-10-21"},{"url":"https://www.varomoney.com/money-101/banking/how-to-open-a-bank-account-with-bad-credit","title":"How To Open A Bank Account With Bad Credit","publisher":"Varo Bank","accessed":"2026-10-21"},{"url":"https://joinbankon.org/accounts/","title":"Bank On Certified Accounts","publisher":"Bank On (Cities for Financial Empowerment Fund)","accessed":"2026-10-21"}],"last_verified":"2026-10-21"},{"slug":"wells-fargo-clear-access-banking","institution":"Wells Fargo","account_name":"Clear Access Banking","institution_type":"bank","insurance":"FDIC","insurance_detail":"Wells Fargo Bank, N.A., Member FDIC","search_terms":["wells fargo clear access banking","wells fargo second chance checking","does wells fargo use chexsystems","wells fargo checkless account"],"summary":"A checkless Wells Fargo account with a $5 monthly fee that is easy to avoid with $250 in electronic deposits or if the primary owner is 13 to 24. Transactions that would overdraw the account are declined and Wells Fargo charges no overdraft fees. Wells Fargo offers it as its second-chance option for people turned down for a standard account because of past credit or banking history.","for_past_banking_problems":"stated","for_past_banking_problems_detail":"Wells Fargo calls Clear Access Banking a second-chance banking opportunity for customers who can't open a standard account because of past credit or banking history. Customers who open it that way can't move to another Wells Fargo account during the first 365 days.","chexsystems":{"stance":"considers_history","detail":"Wells Fargo says customers may be unable to open a standard account because of past credit or banking history, and offers Clear Access Banking to them as a second chance. The pages and agreement sections we could read do not name ChexSystems. The readable parts of the Deposit Account Agreement only say Wells Fargo may report owners to consumer reporting agencies when an account is closed for unsatisfactory handling or left overdrawn.","source":{"url":"https://www.wellsfargo.com/checking/clear-access-banking/","title":"Open a Wells Fargo Clear Access Banking Account Online | Wells Fargo","publisher":"Wells Fargo","accessed":"2026-10-21"}},"ews":{"stance":"considers_history","detail":"Same basis as above: Wells Fargo says past banking history can block a standard account and positions Clear Access as the second-chance alternative. Early Warning Services is named on the product page only as the owner of the Zelle trademark, not as a screening source.","source":{"url":"https://www.wellsfargo.com/checking/clear-access-banking/","title":"Open a Wells Fargo Clear Access Banking Account Online | Wells Fargo","publisher":"Wells Fargo","accessed":"2026-10-21"}},"credit_check":"not_stated","monthly_fee_usd":5,"fee_waiver":"Waived for any fee period with $250 or more in qualifying electronic deposits (such as direct deposit; mobile deposits, Zelle, branch/ATM deposits and transfers between accounts don't count), when the primary owner is 13 to 24 (ages 13-16 need an adult co-owner), or with a qualifying monthly non-civilian military direct deposit through Wells Fargo's Worldwide Military Banking program.","min_opening_deposit_usd":25,"overdraft":"no_overdraft","overdraft_detail":"Wells Fargo won't authorize ATM or debit card transactions that exceed the available balance and returns or declines other items without charging a fee; standard overdraft coverage and overdraft services don't apply. The balance can still go negative in limited cases (a tip added after approval, a returned deposit); no overdraft fee is charged, but the negative amount must be repaid promptly.","paper_checks":"no","mobile_check_deposit":"yes","debit_card":"yes","atm_access":"No fee at Wells Fargo ATMs; $3 per withdrawal at non-Wells Fargo ATMs in the U.S. and territories ($5 outside the U.S.), plus any fee the ATM operator charges.","early_direct_deposit":"yes","availability":{"scope":"not_stated","open_online":"yes","states":[],"detail":"Can be opened online (applicants 18 and older) or at a Wells Fargo branch; applicants 17 and under must open in a branch. Online applicants need an SSN or ITIN, a physical U.S. address (no P.O. box) and a mobile number, and must lift any credit freeze or fraud alert first. The pages we reviewed don't say whether online applications are limited to states with Wells Fargo branches."},"membership":null,"bank_on_certified":"yes","bank_on_source":{"url":"https://joinbankon.org/accounts/","title":"Accounts – BankOn","publisher":"Bank On","accessed":"2026-10-21"},"graduation":"Customers who opened Clear Access Banking as a second-chance account can convert to any Wells Fargo consumer checking account offered at the time once the first 365 days have passed.","apply_url":"https://www.wellsfargo.com/checking/clear-access-banking/","fee_schedule_url":"https://www.wellsfargo.com/fetch-pdf?formNumber=CNS2013&subProductCode=ANY","sources":[{"url":"https://www.wellsfargo.com/checking/clear-access-banking/","title":"Open a Wells Fargo Clear Access Banking Account Online | Wells Fargo","publisher":"Wells Fargo","accessed":"2026-10-21"},{"url":"https://www.wellsfargo.com/checking/clear-access-banking/clear-access-monthly-service-fee/","title":"How to avoid the monthly service fee for Clear Access Banking | Wells Fargo","publisher":"Wells Fargo","accessed":"2026-10-21"},{"url":"https://www.wellsfargo.com/checking/clear-access-banking/account-fees-summary/","title":"Clear Access Banking quick view account fees summary | Wells Fargo","publisher":"Wells Fargo","accessed":"2026-10-21"},{"url":"https://www.wellsfargo.com/fetch-pdf?formNumber=CNS2013&subProductCode=ANY","title":"Consumer Account Fee and Information Schedule (effective July 28, 2026)","publisher":"Wells Fargo","accessed":"2026-10-21"},{"url":"https://www.wellsfargo.com/fetch-pdf?formNumber=CCB2018C&subProductCode=ANY","title":"Deposit Account Agreement (effective July 28, 2026)","publisher":"Wells Fargo","accessed":"2026-10-21"},{"url":"https://www.wellsfargo.com/help/checking-savings/open-close-account-faqs/","title":"What Do You Need to Open or Close a Bank Account? Apply Online | Wells Fargo","publisher":"Wells Fargo","accessed":"2026-10-21"},{"url":"https://joinbankon.org/accounts/","title":"Accounts – BankOn","publisher":"Bank On","accessed":"2026-10-21"}],"last_verified":"2026-10-21"},{"slug":"woodforest-second-chance-checking","institution":"Woodforest National Bank","account_name":"Second Chance Checking","institution_type":"bank","insurance":"FDIC","insurance_detail":"Woodforest National Bank, Member FDIC","search_terms":["woodforest second chance checking","woodforest bank second chance account","does woodforest use chexsystems","second chance checking near me"],"summary":"Woodforest's account for people who've had trouble with bank accounts before. It's one of the costlier options: $11.95 a month ($9.95 with direct deposit), a $9 one-time setup fee and $25 to open, and paid overdrafts cost $32 each. You can only open it in a Woodforest branch, in the 17 states where Woodforest operates.","for_past_banking_problems":"stated","for_past_banking_problems_detail":"Woodforest says the account is designed to give a 'Second Chance' to people who have had bank account problems in the past.","chexsystems":{"stance":"uses","detail":"Woodforest's account Terms and Conditions say the bank may verify your credit and employment history by any necessary means, including a credit report from a credit reporting agency. ChexSystems isn't named, and the Second Chance Checking page doesn't mention screening.","source":{"url":"https://woodforest.bank/media/ganpx0r4/terms-1.pdf","title":"Terms and Conditions of Your Account (effective July 1, 2025; revisions effective September 1, 2025)","publisher":"Woodforest National Bank","accessed":"2026-10-22"}},"ews":{"stance":"not_stated","detail":"Same general credit-verification clause; Early Warning Services isn't named.","source":{"url":"https://woodforest.bank/media/ganpx0r4/terms-1.pdf","title":"Terms and Conditions of Your Account (effective July 1, 2025; revisions effective September 1, 2025)","publisher":"Woodforest National Bank","accessed":"2026-10-22"}},"credit_check":"not_stated","monthly_fee_usd":11.95,"fee_waiver":"Can't be waived; the fee drops to $9.95 in months with a direct deposit from an employer or other outside agency. A $3 monthly paper statement fee applies unless you choose eStatements, and there's a one-time $9 account setup fee.","min_opening_deposit_usd":25,"overdraft":"overdraft_fees","overdraft_detail":"Woodforest may, at its discretion, pay items (including debit card and ATM transactions) that overdraw the account and charge a $32 overdraft item fee for each, up to 3 fees a day. No fee applies when an item overdraws the account by $1 or less.","paper_checks":"not_stated","mobile_check_deposit":"yes","debit_card":"yes","atm_access":"No fee at Woodforest ATMs; $2.50 per transaction and $1.50 per balance inquiry at non-Woodforest ATMs; $5 per international transaction.","early_direct_deposit":"not_stated","availability":{"scope":"branch_states","open_online":"no","states":["AL","FL","GA","IL","IN","KY","LA","MD","MS","NY","NC","OH","PA","SC","TX","VA","WV"],"detail":"Woodforest says Second Chance Checking can't be opened online; you have to visit a branch. Its locations page lists branches in these 17 states."},"membership":null,"bank_on_certified":"no","bank_on_source":{"url":"https://joinbankon.org/accounts/","title":"Accounts – BankOn","publisher":"Bank On","accessed":"2026-10-21"},"graduation":null,"apply_url":"https://www.woodforest.com/personal/checking/second-chance-checking","fee_schedule_url":"https://www.woodforest.com/media/3qae14fx/checkingaccountoverview_scc_short.pdf","sources":[{"url":"https://www.woodforest.com/personal/checking/second-chance-checking","title":"Second Chance Checking","publisher":"Woodforest National Bank","accessed":"2026-10-21"},{"url":"https://www.woodforest.com/media/3qae14fx/checkingaccountoverview_scc_short.pdf","title":"Second Chance Checking Account Overview (effective 11-01-2025)","publisher":"Woodforest National Bank","accessed":"2026-10-21"},{"url":"https://www.woodforest.com/about-us/contact-us/locations/","title":"Locations","publisher":"Woodforest National Bank","accessed":"2026-10-21"},{"url":"https://woodforest.bank/media/ganpx0r4/terms-1.pdf","title":"Terms and Conditions of Your Account (effective July 1, 2025; revisions effective September 1, 2025)","publisher":"Woodforest National Bank","accessed":"2026-10-22"},{"url":"https://joinbankon.org/accounts/","title":"Accounts – BankOn","publisher":"Bank On","accessed":"2026-10-21"}],"last_verified":"2026-10-21"}]}