Looking for a new checking, savings or business bank account? Check out these promotions with no direct deposit needed.
B.4 To Graduate to Free Checking After 12 Months, all accounts must be in good standing. B.5 $6.00 monthly fee for Rewards Checking. Complete 20 debit card transactions per month to receive $2 off the monthly fee. $25 minimum opening deposit. Transfer funds within your account or to other members. Deposit checks on the go using eDeposits; Open to. Open to members 18 and older (or 13-17 with a joint owner at a branch) Costs and Charges. Please refer to our fee schedule for full disclosure of costs and charges. Open a PFCU Checking Account. 360 Checking is a checking account that comes with everything you need and without everything you don’t. Pay your bills, get cash, make deposits, and transfer money–all without monthly fees and extra trips to the bank. HERE'S HOW TO TAKE THE FIRST STEP TOWARDS FREE CHECKING: Our personable, helpful staff can quickly set up your free Cpending Account. Call us at 540.342.3429 to get more information, or if you’re ready to get started, open your account online!
Direct deposit requirements are one of the biggest obstacles when signing up for bank bonus. For checking accounts, you might even need a certain minimum balance or direct deposit to waive the monthly fee.
And now, a few banks and credit unions are offering generous promotions with no direct deposit required.
Read this review to compare the best deals for checking/savings and money market accounts, and even business checking accounts.
- Hot Promotions With No Direct Deposit Requirement
- Checking Bonuses
- Savings Offers
Promotions Without Direct Deposit Required
Rewards Checking - Up to 1.25% APY
- Up to 1.25% APY
- No minimum balance requirements
- No fees to open or maintain account
- Overdraft Protection
Check back frequently for the updated list of bonus offers. Be sure to read the details for the eligibility requirements.
Top Checking Account Bonuses
Checking Account Without Opening Deposit
TIAA Bank: Yield Pledge Checking
- 1-year 0.12% intro APY on balances up to $250,000
- $5,000 Minimum Opening Deposit
- No monthly service fee
- U.S. ATM fees reimbursement (unlimited with minimum average daily balance of $5,000; otherwise up to $15/monthly)
- Top 5% yields always
- Daily Compounding Interest
- FDIC insured
Citibank: Citi Account Packages - Up to $1,500 Bonus
Open a new eligible checking account and savings account in the same account package for Citigold, Citi Priority, and Citi Account Package. Within 30 days of account opening, fund your new checking and/or savings account with the required minimum deposit. Maintain the required minimum balance in the account/s for 60 consecutive calendar days to earn corresponding cash bonus.
Account Package | Minimum Deposit and Minimum Balance | Cash Bonus |
---|---|---|
Citigold Package | $200,000 | $1,500 |
Citi Priority Account Package | $50,000 | $700 |
Citibank Account Package | $15,000 | $300 |
Citibank: Citigold Package - $1,500 Bonus
Open a new eligible checking and savings account in the Citigold Account Package.
Within 30 days of opening your account, deposit $200,000 New-to-Citibank funds into the checking and/or savings account.
Maintain a minimum balance of $200,000 between the checking and/or savings accounts for 60 consecutive calendar days.
Waukesha State Bank: Checking Account - $100 Bonus
Open a qualifying checking account using promo code DDA100GEO21 and get $100 bonus. The $100 bonus is valid only for the following checking accounts: Free Checking with Direct Deposit, Simple Checking, Senior Advantage Checking, Advantage Plus Checking, Interest Checking, Student Checking and Value Added Checking Plus.
BMI Federal Credit Union: Free Checking Account - $150 Bonus
Open a new Free Checking account using promo code NEWCHK21. Within 90 days of account opening, deposit at least $20, make a minimum of 30 Visa debit card transactions of at least $5/each, and sign up for electronic statements. Cash bonus of $150 will be deposited in the member's savings account within 10 business days after all qualifications have been met.
BMI FCU is open to everyone who lives, works, worships or attends school in Franklin, Licking, Fairfield, Pickaway, Madison, Union, Delaware or Morrow County in Ohio.
Firstrust Bank: Personal Checking Account - $150 Bonus
Open a new FirstPay Eagles Checking account. Make a Visa purchase of $100 or more within 60 days of new account opening. 15,000 bonus points will be given within 60 days of completing requirements. Bonus points can be redeemed for $50 gift card for every 5,000 points.
Firstrust Bank: Personal Checking Account - $200 Bonus
Open a new FirstPay Eagles Premier Checking account. Make a Visa purchase of $100 or more within 60 days of new account opening. 20,000 bonus points will be given within 60 days of completing requirements. Bonus points can be redeemed for $50 gift card for every 5,000 points.
Local First Bank: First@Work Banking Program - $100 Bonus
Open a new First Bank First@Work checking account. Activate debit card and enroll in rewards program within 45 days of account opening. Make at least one qualifying transaction with your First Bank debit card within 45 days of account opening.
Free Checking Account Without Opening Deposit Near Me Current
Fort Hood National Bank: Military Saves Account - Up to $100 Bonus
Open a new Military Saves account. FHNB will match the initial opening deposit amount up to a maximum of $100. To qualify for bonus, complete the following activities: make a minimum initial opening deposit of $20, maintain an FHNB checking account and Military Saves account for 12 consecutive months, make deposits to your Military Saves Account that, in total, are at least equal to the amount of the initial opening deposit for the 11 consecutive months that follow the month in which the initial opening deposit was made.
Arizona Federal Credit Union: Personal Checking Account - $100 Bonus
Open a new checking account using promo code PHXRISING. Complete 10 or more debit card transactions within 45 days of account opening.
Paradise Valley Credit Union: Personal Checking Account - $100 Bonus
Open a new qualifying PVFCU checking account. Apply for a debit card and complete at least 5 eligible debit card transactions posted to the account within 60 days of account opening.
Stanford Federal Credit Union: Personal Checking Account - $100 Bonus
Get $100 bonus when you open a new personal checking account within six months of graduation. Proof of graduation needed. Available to new Stanford FCU members only.
Community Credit Union Florida: Personal Checking Account - $100 Bonus
Open select CCU Debit/Checking account using promo code MK-100. To qualify for $100 bonus, you must do the following within 60 days of account opening: sign up for eStatements, use your new debit card 10 times to make purchases or payments in any amount, and download the CCU Mobile App and use it at least once.
Freedom Federal Credit Union: Personal Checking Account - $100 Bonus
Offer is valid only to members of Harford County Association of REALTORS (HCAR). Open a new qualifying checking account. Deposit $100 or more within 90 days to get bonus. Checking account must be opened along with a new Freedom Retail/Consumer membership.
Spire Credit Union: Personal Checking Account - $100 Bonus
Get $100 when you open a Spire Free Checking account.
Community Credit Union Florida: Personal Checking Account - $125 Bonus
This offer is available to school employees only. Open a new qualifying checking account using promo code MK-125. To qualify for $125 bonus, you must do the following within 60 days of account opening: sign up for eStatements, use your new debit card 10 times to make purchases or payments in any amount, and download the CCU Mobile App and use it at least once.
Valley National Bank: Personal Checking Account - $150 Bonus
Open a new Valley My Choice Checking account with minimum opening deposit of $25. Receive $75 for activating Mobile Banking. Receive $75 for either completing a minimum of 20 debit card transactions of at least $5 OR for enrolling in online banking and completing three online bill payment transactions. Activities must be completed within 60 days of account opening to receive bonuses. Account must be enrolled in paperless statements with in the first 60 days of account opening.
Novo: Personal Checking Account - $25 Bonus
Open a new Novo checking account. Deposit $50 or more into your new account. $25 bonus will be distributed within 10 business days after funding your account.
Palisades Federal Credit Union: Personal Checking Account - $300 Bonus
Open a new Palisades Checking account and deposit $15,000 or more on account opening. Maintain at least $15,000 in account for 90 days. Bonus will be deposited to your account within 30 business days after completing requirements.
Diversified Members Credit Union: Personal Checking Account - Up to $120 Bonus
Open a Give Back Credit Union Rewards Checking account. Get $10 deposited monthly to your checking account when you complete the following: have at least 15 debit card transactions every month, and be enrolled in online banking and eStatements.
Abington Bank: Personal Checking Account - Up to $200 Bonus
Open a new Green Checking or NOW checking account. Earn $100 when you set up qualifying direct deposits of at least $25 or activate online banking, and complete 5 qualifying debit card transactions within 60 days of account opening. Earn $50 when you make 5 bill payments using online banking and enroll in eStatements within 60 days of account opening. Earn $50 when you keep your account open and in good standing for 12 months or more.
Valley National Bank: Personal Checking Account - Up to $240 Bonus
Open a new Valley All Access Rewards Checking account with minimum opening deposit of $100. Receive a cumulative total of $750 or more in qualifying direct deposits per month. Reward is paid over 12 month period, $20 each month.
Free Bank Account No Deposit Near Me
Campus USA Credit Union: Rising Star Checking Account - $100 Bonus
Open a new Rising Star Checking account. Have at least 3 debit card transactions per month for 3 months.
Rising Star Checking account is designed specifically for kids aged 13-17. Adult Joint Owner required. Joint owner must be 18 years or older. Bonus will be deposited to the checking account after the third month of required usage.
Popular Savings Account Offers
Ally Bank: Online Savings Account - 0.50% APY
$0 minimum opening deposit. No minimum balance requirement. No fees to open or maintain account.
Synchrony Bank: High Yield Savings - 0.50% APY
$0 minimum opening deposit. No minimum balance requirement. No fees to open or maintain account.
Citibank: Citi Savings Account - Up to $3,000 Bonus
Open a new eligible Citi Savings account. If you open a Citi Priority Account Package, Citigold Account Package or Citigold Private Client, you must have or open a checking account in the same package. Client must enroll in this offer at the same time they open the eligible Citi Savings account. You may enroll online or by contacting a Citibank representative by phone or in a branch and asking them to enroll you in this offer. Deposit qualifying new-to-Citibank funds within 30 days of opening savings account. Multiple deposits allowed. Maintain the qualifying balance in the account for 60 consecutive days from the date the minimum deposit is reached to receive corresponding cash bonus. Offer available in NY, CT, MD, VA, DC, CA, NV, NJ, or select markets in FL or IL.
Minimum Deposit and Minimum Balance | Cash Bonus |
---|---|
$25,000 - $49,999 | $75 |
$50,000 - $99,999 | $150 |
$100,000 - $249,999 | $300 |
$250,000 - $499,999 | $750 |
$500,000 - $999,999 | $1,500 |
$1,000,000+ | $3,000 |
HSBC Direct Savings - 0.15% APY
- Earn 0.15% APY on all balance tiers
- No monthly maintenance fee
- Minimum balance to open account is $1
- Member FDIC
Popular Direct: Plus Savings Account
- 0.55% APY
- $5,000 Minimum Opening Deposit
- $4 monthly service fee; waived with a daily minimum balance of $500
- Daily Compounding Interest
- FDIC Insured
- Minimum Deposit Required:$5,000
Citibank: Citi Savings Account - $3,000 Bonus
Open a new eligible Citi Savings account. If you open a Citi Priority Account Package, Citigold Account Package or Citigold Private Client, you must have or open a checking account in the same package. Client must enroll in this offer at the same time they open the eligible Citi Savings account. You may enroll online or by contacting a Citibank representative by phone or in a branch and asking them to enroll you in this offer. Deposit $1,000,000 or more new-to-Citibank funds within 30 days of opening savings account. Multiple deposits allowed. Maintain $1,000,000 or more in account for 60 consecutive days from the date the minimum deposit is reached to receive $3,000 bonus. Offer available in NY, CT, MD, VA, DC, CA, NV, NJ, or select markets in FL or IL.
Citibank: Citi Savings Account - $1,500 Bonus
Open a new eligible Citi Savings account. If you open a Citi Priority Account Package, Citigold Account Package or Citigold Private Client, you must have or open a checking account in the same package. Client must enroll in this offer at the same time they open the eligible Citi Savings account. You may enroll online or by contacting a Citibank representative by phone or in a branch and asking them to enroll you in this offer. Deposit $500,000 to $999,999 new-to-Citibank funds within 30 days of opening savings account. Multiple deposits allowed. Maintain $500,000 to $999,999 in account for 60 consecutive days from the date the minimum deposit is reached to receive $1,500 bonus. Offer available in NY, CT, MD, VA, DC, CA, NV, NJ, or select markets in FL or IL.
Citibank: Citi Savings Account - $750 Bonus
Open a new eligible Citi Savings account. If you open a Citi Priority Account Package, Citigold Account Package or Citigold Private Client, you must have or open a checking account in the same package. Client must enroll in this offer at the same time they open the eligible Citi Savings account. You may enroll online or by contacting a Citibank representative by phone or in a branch and asking them to enroll you in this offer. Deposit $250,000 to $499,999 new-to-Citibank funds within 30 days of opening savings account. Multiple deposits allowed. Maintain $250,000 to $499,999 in account for 60 consecutive days from the date the minimum deposit is reached to receive $750 bonus. Offer available in NY, CT, MD, VA, DC, CA, NV, NJ, or select markets in FL or IL.
Citibank: Citi Savings Account - $300 Bonus
Open a new eligible Citi Savings account. If you open a Citi Priority Account Package, Citigold Account Package or Citigold Private Client, you must have or open a checking account in the same package. Client must enroll in this offer at the same time they open the eligible Citi Savings account. You may enroll online or by contacting a Citibank representative by phone or in a branch and asking them to enroll you in this offer. Deposit $100,000 to $249,999 new-to-Citibank funds within 30 days of opening savings account. Multiple deposits allowed. Maintain $100,000 to $249,999 in account for 60 consecutive days from the date the minimum deposit is reached to receive $300 bonus. Offer available in NY, CT, MD, VA, DC, CA, NV, NJ, or select markets in FL or IL.
Citibank: Citi Savings Account - $150 Bonus
Open a new eligible Citi Savings account. If you open a Citi Priority Account Package, Citigold Account Package or Citigold Private Client, you must have or open a checking account in the same package. Client must enroll in this offer at the same time they open the eligible Citi Savings account. You may enroll online or by contacting a Citibank representative by phone or in a branch and asking them to enroll you in this offer. Deposit $50,000 to $99,999 new-to-Citibank funds within 30 days of opening savings account. Multiple deposits allowed. Maintain $50,000 to $99,999 in account for 60 consecutive days from the date the minimum deposit is reached to receive $150 bonus. Offer available in NY, CT, MD, VA, DC, CA, NV, NJ, or select markets in FL or IL.
Citibank: Citi Savings Account - $75 Bonus
Open a new eligible Citi Savings account. If you open a Citi Priority Account Package, Citigold Account Package or Citigold Private Client, you must have or open a checking account in the same package. Client must enroll in this offer at the same time they open the eligible Citi Savings account. You may enroll online or by contacting a Citibank representative by phone or in a branch and asking them to enroll you in this offer. Deposit $25,000 to $49,999 new-to-Citibank funds within 30 days of opening savings account. Multiple deposits allowed. Maintain $25,000 to $49,999 in account for 60 consecutive days from the date the minimum deposit is reached to receive $75 bonus. Offer available in NY, CT, MD, VA, DC, CA, NV, NJ, or select markets in FL or IL.
Regions Bank: LifeGreen Savings Account – Up to $100 Annual Savings Bonus
Earn a 1% annual savings bonus (up to a maximum of $100) when you open a LifeGreen Savings Account AND have or open a Regions checking account. You must set up a monthly automatic transfer of at least $10 from your Regions checking account to LifeGreen Savings account. Your bonus is based on the average monthly balance for 12 months. The maximum bonus is $100. There is a minimum opening deposit of $50 if you apply online. Available to residents of AL, AR, FL, GA, IL, IN, IA, KY, LA, MS, MO, NC, SC, TN and TX.
Tower Federal Credit Union: Savings Account - $100 Bonus
Open a new Prime Share account using promo code 100GDA21. The minimum balance to open and maintain a Prime Share account is $5. $100 deposit will be deposited in a qualified Prime Share account within 6-8 weeks from account opening.
Tower Federal Credit Union: Savings Account - $100 Bonus
Open a new Prime Share account using promo code 100FBA21. The minimum balance to open and maintain a Prime Share account is $5. $100 deposit will be deposited in a qualified Prime Share account within 6-8 weeks from account opening.
Tower Federal Credit Union: Savings Account - $100 Bonus
Open a new Prime Share account using promo code 100GPS21. The minimum balance to open and maintain a Prime Share account is $5. $100 deposit will be deposited in a qualified Prime Share account within 6-8 weeks from account opening.
MidFirst Bank: iSave Savings Account - $25 Bonus
Open a new iSave savings account with minimum opening deposit of $25. Make 12 consecutive monthly deposits to your iSave account and MidFirst will match 50% (up to $25) of the average of your highest single deposit each month. iSave savings account is for anyone under age 17.
First Southern Bank: Savings Account - $100 Bonus
Open a Christmas Club or Vacation Club Savings account with minimum opening deposit of $10. First Southern Bank will match the last scheduled weekly deposit made into your Christmas Club or Vacation Club Account when deposits are scheduled at account opening and made as scheduled.
Republic Bank of Chicago: Savings Account - $250 Bonus
This offer is available to military veterans and service members only. Open a new Freedom Savings account with minimum opening deposit of $25. Maintain a minimum balance of $2,500 for three consecutive months in your savings account and receive bonus. This offer requires the customer to call or visit a banking center to talk with a personal banker/manager to obtain bonus.
Best Business Account Promotions
PNC Bank: Business Checking Account - $200 Bonus
Open a new PNC Business Checking or PNC Business Checking Plus account. Maintain an average cycle balance of $5,000 in your new checking account for each of the first three statement cycles. Make at least 20 qualifying PNC Bank Visa Debit card transactions within the first three statement cycles.
This offer is only available to businesses with an annual revenue of less than $5 million. All existing business checking customers, including those who have closed an account in the past 90 days or has received a promotional premium in the past 12 months are not eligible for this offer. $200 bonus will be credited to your new business checking account within 90 days after all conditions have been met.
- Direct Deposit Required:No
- Minimum Deposit Required:$5,000 within 30 days
PNC Bank: Business Checking Account - $500 Bonus
Open a new PNC Treasury Enterprise Plan or Analysis Business Checking account. Maintain an average cycle balance of $30,000 in your new checking account for each of the first three statement cycles.
This offer is only available to businesses with an annual revenue of less than $5 million. All existing business checking customers, including those who have closed an account in the past 90 days or has received a promotional premium in the past 12 months are not eligible for this offer. $500 bonus will be credited to your new business checking account within 90 days after all conditions have been met.
- Direct Deposit Required:No
- Minimum Deposit Required:$30,000 within 30 days
Getting Paid Without Direct Deposit
Direct deposit makes it easy to receive payments. But there are other ways to get paid too if you don't want to set up direct deposit.
- Paper checks: With mobile check deposits, it's easy to snap a photo of a check and deposit it into your bank account, right from the app.
- Electronic transfers: Platforms like PayPal allows businesses to send money to an employee's personal account.
- Payroll cards: This is a prepaid card (by Visa or Mastercard) where the employer can load the employee's wages. You can use it just like a debit card.
Bottom Line
These are some of the best bank promotions without direct deposit. Whether it's bonus money for opening a new account, lower fees or a higher interest, you're sure to find something in this list. More even more bank promotions, check out this page.
Write to Kevin L at [email protected]. Follow us on Twitter and Facebook for our latest posts.
Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.
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A bank account is one of those required things in life. You need access to a debit card for purchases or direct deposit from an employer. A bank account is almost the only way to enjoy these basic services. But if you’ve experienced financial challenges or unexpected events — and the ensuing bad credit — it may be difficult to open a new bank account.
The good news is that you can still open a free online bank account with no credit check, no monthly fees, or minimum balance requirements. CheckingExpert has helped thousands of people just like you open online bank accounts. No credit check bank accounts that give you all the checking account features you need and deserve without the exorbitant fees many banks impose.
Credit Bureaus, ChexSystems, and Bank Accounts for Bad Credit
Most banks look at the credit history of their customers before granting them the ability to open a checking account. Some banks run a credit check through one of the major credit bureaus: TransUnion, Experian, or Equifax.
Other banks will dig deeper by turning to a company called ChexSystems. This company identifies your history with overdrafts, bad checks, and account freezes. Additionally, banks will look at check fraud, negative balances, and excessive withdrawals through Early Warning Systems (EWS). If you find yourself blacklisted by one of these companies, getting a bank account can seem impossible.
Getting A Bank When You Have Bad Credit
The researchers at CheckingExpert.com have selected the top two banks where you can get a bad credit bank account. There are no hidden fees, no minimum balance, and no monthly fees. You can apply online and it takes only a matter of minutes to complete the application process. If you’ve got bad credit and need a checking account, these banks are two very strong options.
Winners: Best Banks For Those With Bad Credit
The BBVA Online Checking Account is our favorite second chance bank account. They have the strongest offering of any of our recommendations. No hidden fees, no monthly minimums, and no monthly service charge. It’s easy to get approved and takes about 3 minutes. Plus, their smartphone app and online tools are the best we’ve reviewed.Why do we recommend BBVA Online Checking so highly? If you’ve got poor credit or find yourself on ChexSystems, BBVA will approve you for an account.
- NO monthly service charge
- NO monthly account balance minimums
- NO fees at over 64,000 Allpoint® and BBVA ATMs worldwide
- FREE award-winning mobile app (one of the best we’ve reviewed)
- FREE Visa® debit card you can personalize with your favorite photo
- FREE online banking, bill pay, and mobile deposits
- FREE money transfer to and from any email or mobile phone in the U.S. via Popmoney®, Venmo®, and other instant transfer services
- FREE dedicated team of mobile bankers you can contact via text, email, or phone
- FREE cash back rewards for everyday debit card purchases with Simple CashBack
- FREE unlimited check writing
- FREE Visa Zero Liability protects you against fraudulent purchases made on your debit card
- BBVA USA, member FDIC
You can get an account today! The BBVA website is simple and easy to interact with. There is a $25 minimum deposit required to open an account and once that deposit clears, you’ll be off and running. Hands down, BBVA is one of the most friendly banks for those who have been negatively impacted by ChexSystems. The entire process from start to finish takes about 3 minutes. BBVA does not use ChexSystems but instead utilizes EWS to screen new applicants.
For anyone interested, I signed up for a BBVA Bank checking account. I have been using the new checking account, debit card, online website, direct deposit, and customer service for over a month now. I have to say I am genuinely impressed with everything they have done with me and my account.
So far it seems like the ideal bank.
B. Lewis, BBVA Customer
Chime Bank is a fast-growing internet-only bank. Unlike big banks, Chime was created during the smartphone era and, therefore, features an app that is more than just a way for customers to review their bank accounts.And, best of all, Chime Bank accepts all customers who apply. Even if you have bad or poor credit or have been blacklisted by ChexSystems or credit bureaus.
Features include mobile deposits, direct deposit, online bill payment, NO monthly or annual fees, NO overdrafts, NO credit check, and NO CheckSystems.
Features include mobile deposits, direct deposit, online bill payment, NO monthly or annual fees, NO overdrafts, NO credit check, and NO CheckSystems.
Here are a few of the highlights:
- FREE Visa® debit card
- NO monthly service charge
- NO monthly minimums
- NO credit check; Bad credit OK
- NO ChexSystems or Telecheck; guaranteed approval
- FREE online banking and mobile banking/deposits
- FREE mobile and online bill pay
- NO foreign transaction fees
- NO fees at over 38,000 MoneyPass® and Visa Plus Alliance ATMs worldwide
- SAVINGS: You can round up every purchase to the nearest dollar and automatically deposit that difference into your savings account.
Chime Bank Lets You Get A Jump On Payday
You can receive your paycheck up to two days earlier than at a traditional bank if you set up direct deposit — Chime processes your employer’s check immediately instead of waiting like other banks may.
Chime Bank is one of the most friendly banks for those who have been negatively impacted by bad credit, ChexSystems, or Telecheck.
The SoFi Money Cash Management Account is offered by SoFi Securities LLC, a FINRA registered broker dealer. It’s a checking account on steroids and we love that. Plus, they don’t use ChexSystems to approve accounts. You get a debit MasterCard and a very slick smartphone app. You can make deposits, write checks, utilize electronic bill pay and transfer money. There are no monthly fees or overdraft fees. Plus, you earn interest on all the money in the account! The sign up process can take less than 60 seconds. There is no minimum balance requirement and you don’t have to make an initial deposit to get an account. Plus, you can earn a $50 cash bonus if you sign up for SoFi Money® and make one direct deposit of at least $500. Available in all 50 states.- No account fees
- Unlimited reimbursed ATM fees
- Access to SoFi member benefits like career coaching and financial advising
- Automated bill pay
- Freeze debit card on-the-go
Want A Local Bank or Credit Union? Here’s The List of Best Second Chance Banks and Credit Unions in Every State.
Free Checking Account Without Opening Deposit Near Me Phone Number
Unfortunately, most major banks don’t offer second chance checking. However, many community banks and credit unions have them under various names, such as Opportunity Checking and Fresh Start Checking.
Some banks and credit unions offer so-called second chance checking accounts to help people rebuild their credit and financial histories. These accounts usually carry monthly fees and come with a few other requirements, such as participating in a financial literacy or money management class. An account holder might also not be eligible for overdraft protection, since second chance banking serves as a way to prevent overdrawing an account altogether.
STATE BY STATE | |
Alabama | Alaska |
Arizona | Arkansas |
California | Colorado |
Connecticut | Delaware |
District of Columbia | Florida |
Georgia | Hawaii |
Idaho | Illinois |
Indiana | Iowa |
Kansas | Kentucky |
Louisiana | Maine |
Maryland | Massachusetts |
Michigan | Minnesota |
Mississippi | Missouri |
Montana | Nebraska |
Nevada | New Hampshire |
New Jersey | New Mexico |
New York | North Carolina |
North Dakota | Ohio |
Oklahoma | Oregon |
Pennsylvania | Rhode Island |
South Carolina | South Dakota |
Tennessee | Texas |
Utah | Vermont |
Virginia | Washington |
West Virginia | Wisconsin |
Wyoming |
A Few Additional Banks To Consider
Best-in-Class Mobile App
- -NO initial deposit
- -NO overdraft fees
- -NO minimums
- -NO transfer fees
Most Local Branches
$0 Opening Deposit Checking Account
- -Mobile check deposit
- -24/7 fraud monitoring
- -Online bill pay
- -Visa debit card