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Second Chance Banks in Maine -  Banks with Second Chance Checking Accounts
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Second Chance Bank Accounts in Maine

    You can have a negative ChexSystems record if your account
    has been overdrawn, even if you have never bounced a check.
    If you've been issued insufficient funds fees for purchases
    made with a bank check card, your bank may have reported
    you negatively to Chexsystems.

    TeleCheck is another check guarantee service provider that
    protects businesses from bounced check and check fraud.
    TeleCheck provides merchants with information concerning
    your check writing and checking account activity. The merchant
    then makes a decision to accept or deny your check. Banks
    that do not use Chexsystems or Telecheck in Maine
    ChexSystems is a check verification provider and consumer
    credit reporting agency. Chex Systems provides deposit
    account verification services to its financial institution
    members to aid them in identifying account applicants who
    have a history of overdrawn accounts or bounced checks.
    Each report submitted to ChexSystems remains on file for five
    years, unless the bank that filed the report requests its
    removal or ChexSystems becomes obligated to remove it
    under applicable law: More about Chexsystems.

    To resolve or dispute Your banking history, contact
    ChexSystems:

    Phone: 800-428-9623 Maine banks that have second chance
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$25
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$25
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Banks in Maine with Second Chance Checking Accounts
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Second Chance Checking Accounts in Maine
    A few banks in Maine specifically offer Second Chance
    Checking Account Programs, which means they’ll open an
    account for you even if you’re on Chexsystems as long as
    any money owed has already been paid.
    Second Chance Checking in Portland Maine
    Banks have various names for these banking programs
    such as Opportunity Checking or Fresh Start Checking.  To
    open a checking account through one of these special bank
    programs, you usually have to apply in person and, in
    many cases, the bank requires that you take a class on
    how to balance your checking account and avoid
    overdrawing your account. Many Second Chance Banking
    Programs also charge a monthly fee.
    Second Chance Checking Accounts in Falmouth Maine
    Gorham Savings Bank - Offers a Fresh Chance Checking
    Account to residents of Maine residents of Maine. This
    second chance account requires a $25 initial deposit, and a
    $8.95 monthly fee. Gorham Savings Bank will close your
    checking account the second time it is overdrawn. To open
    this second chance checking account, you have to apply in
    person at a branch. Gorham Savings Bank has branches in
    in Falmouth, Portland, Scarborough and Standish, Maine.
    Banks in Maine with Second Chance Checking Accounts
    If you don't have the money available to pay off your old,
    overdrawn bank accounts, even banks specifically offering
    second chance checking might not let you open a bank
    account. Even if you pay off your old bank account, you still
    have to make sure the bank sends a letter to Chexsystems
    requesting the removal of any negative information.
    Open a Fresh Start Checking Account in Maine
    Your Chexsystem record stays on file for 5 years unless the
    information Chexsystem's has is inaccurate and you file a
    dispute. Chexsystems
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