Category Archives: 2nd Chance Banks

The term 2nd chance banks is misleading because it implies that banks offering second chance checking will let anyone open a checking account. If you have more than one negative item on Chexsystems, you might still get turned down by a second chance bank.

Scottrade Bank Accounts And Features

Scottrade Bank:
Scottrade may be best known for its online trading services, but be sure not to overlook Scottrade’s online banking services as a compliment to the Scottrade trading platform.

Scottrade Bank Accounts

Scottrade Bank provides a variety of different bank account options, including no interest checking, interest checking, savings, money market, and certification of deposits (CDs). Scottrade bank accounts offer conveniences like free online bill pay, ATM/Debit cards, and more.

Pay No Fees With Scottrade Bank!

The fees charged by most major banks can add up quickly. Scottrade online banking boasts NO fees and NO monthly maintenance fees on any banking products, including checking, savings, and money market accounts. Scottrade also does not charge fees for domestic ATM usage, and will reimburse fees charged by most third party bank’s ATM machines.

Scottrade – Single Source Convenience

All you need is a single login to conveniently access all of Scottrade’s banking and brokerage services. Plus, you can link your Scottrade bank accounts to your brokerage account for very quick and easy access to your funds. This can be particularly convenient for doing time sensitive trades. Scottrade’s interest bearing bank accounts are an excellent place to park your money when it is not actively being traded. The overdraft protection feature on your Scottrade banking accounts can also be linked to your brokerage account, for additional peace of mind.

Mobile App Services

Scottrade bank provides a robust mobile app that allows you to conveniently manage your bank accounts while you are on the go. In addition to making transfers, deposits and withdrawals, the app features mobile check deposit options for maximum convenience.

All of the Scottrade online bank account options provide the features we’ve outlined in this article, and more. Learn more about Scottrade online banking options, and start saving on your banking today.

Posted in 2nd Chance Banks, Second Chance Bank Accounts

Discover Bank: Rated 4th In the World For Quality

Discover Bank AccountDiscover Bank CashBack Checking Account - Save up to $120 a year

Discover Bank was the only U.S.-based bank to receive top ratings by Lafferty Bank Quality Ratings (LBQR) in a recent report.

Discover Bank: Ranked #4 Globally

Discover Bank received an impressive fourth place ranking, for quality and excellence in banking. Discover was one of 100 global banks that the Lafferty Group evaluated in its recent LBQR report. One hundred major world banks from 28 countries were included in the report, with the majority of banks receiving a rating of two or three stars. Discover, however, receiving four out of five stars.

The Lafferty Bank Quality Ratings reports take a unique approach, using the annual reports from the banks to consider both quantitative and qualitative aspects of the bank and its performance.

In response to the LBQR report, the CEO of Discover, David Nelms, said, “Receiving a top rating for quality is gratifying to us given the emphasis that we place on it at Discover… We are focused on being a leading direct bank and payments partner and believe that if we serve our customers well, then our shareholders will benefit too.”

We here at have been singing the praises of Discover Bank for years now. We are happy to see Discover receiving some of the recognition it deserves for its excellent service and product offerings, including Discover checking and savings accounts.

Discover Bank Savings Accounts

Currently, Discover Bank is offering some of the highest interest rates available on online savings accounts, more than 5x the national average. Discover savings accounts are currently paying 1.30% on all balances. Compare that to major banks like Chase, Citibank and Bank of America that are paying 0.01%. Discover Bank savings accounts also do not charge any fees for monthly maintenance, maintaining a minimum balance, incoming wire transfers, and more. Where fees are charged, they are significantly less than other major banks. A Discover savings account allows you to keep more of your money and earn more on your money.

Posted in 2nd Chance Banks, Banks with no opening deposit, Banks with Second Chance Checking Accounts, List of Second Chance Banks, No Opening Deposit Banks, Second Chance Bank Accounts | Tagged

Second Chance Banking in Pennsylvania

Banks in Pennsylvania with Second Chance Checking Accounts Open a Second Chance Bank Account in Pennsylvania

A few banks in PA offer Second Chance Checking Account programs, which means that (if you qualify) the bank will open a conditional checking account for you, even if you’re on Chexsystems, as long as you’ve already paid any money owed. Some banks have other 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 normally have to apply in person, and in many cases, the bank requires you take a class on how to balance your checking account and avoid overdrawing your account. Almost all second chance banking programs charge a monthly fee.
The best checking accounts you can open online with no credit check, low to no opening deposit and no Chexsystems are: List of Banks in Pennsylvania that do not use Chexsystems Second Chance Banking Pennsylvania

  • CIT Bank – CIT Bank’s Premier High Yield Savings Account allows you to build your savings at one of the highest interest rates available in the industry. Enjoy ultimate online banking convenience by managing your account from your smartphone or computer. This account does have balance tiers to determine the APY you earn, with the lower balance tier earns at a higher APY, while the upper balance tier still earns well above the national average. CIT Bank compounds interest daily to further maximize your earnings. Plus, there are no account opening or maintenance fees to worry about. Your money gets to grow without being disturbed by pesky fees. A $100 opening deposit is required to open an account.
  • BBVA Compass Bank – Open an online checking account with the new ClearConnect checking account. The BBVA Compass ClearConnect Checking Account is a free checking account and offers customers the chance to open an online checking account for only $25. Enjoy no monthly service charges, free online and mobile banking, bill pay and online statements. The ClearConnect Checking Account has no ATM fees at any BBVA Compass or Allpoint® ATM. You’ll also receive a BBVA Compass Visa® Debit Card you can personalize with you favorite photo.
  • Discover Bank Open a Discover Bank savings account online instantly and earn a rate 5x the National Savings Average with a low opening deposit and access to your cash anytime.   Discover Bank also offers its customer the opportunity to open a checking account. To open a Discover Bank checking account, you have to open either a Discover Savings account or credit card. You have 30 days to make a deposit at a local branch or by setting up direct deposit. You can also make your opening deposit by mail. . Chance Checking in Pittsburgh 

The banks on Checking Help’s List of Second Chance Banks in Pennsylvania do not use ChexSystems or check your credit history. Most have short, online applications and do not require an opening deposit, as many other banks require. Consequently, you can open a checking account online and get an instant account number to set up direct deposit. Or you can mail in the opening deposit or, sometimes, use a credit card or prepaid card.

Webster Bank offers a second chance, Opportunity Checking account to Pennsylvania residents, as well as a $50 signup bonus. Opportunity Checking customers get a free Visa Debit Card, with access to branches in the Easton-Allentown area, Bethlehem, PA, and in the greater Philadelphia area, including, Radnor and St. Davids, PA.

First Commonwealth Bank in Pennsylvania doesn’t use Chexsystems and provides an extensive network of bank branch and ATM locations in Pittsburgh, Altoona, Johnstown, Greensburg, DuBois, Indiana PA, and across Western PA. Our community offices provide personal, small business, and corporate banking services.Your ChexSystem record stays on file for five years unless the information in ChexSystem’s report is inaccurate and you file a dispute. 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.

 Second Chance Checking in Pennsylvania Banks in Pennsylvania with Second Chance Checking Accounts second chance checking in Langhorne Pennsylvania second chance banks in Reading PA second chance checking accounts in PA Second Chance Banking in Pennsylvania second chance banks in Pittsburgh Pennsylvania Second Chance Banks in Erie Pennsylvania second chance checking in Wayne Pennsylvania second chance checking in Erie Pennsylvania second chance banks in Pennsylvania

Posted in 2nd Chance Banks, Banks in PA with Second Chance Checking, Banks in Pennsylvania that do not use Chexsystems, Banks in Pennsylvania with Second Chance Checking Accounts, Banks that do not use Chexsystems, Banks that do not use Chexsystems in Pennsylvania, banks that don't use chexsystems in PA, Banks with Second Chance Checking Accounts, List of Banks in Pennsylvania, List of Second Chance Banks, No Opening Deposit Banks, Second Chance Banking Pennsylvania, Second Chance Checking in Pennsylvania, Second Chance Checking in Pittsburgh | Tagged , , , , , , , , , , , , , , , , , , , , | 935 Comments

USAA Bank Checking

usaa checking

Free USAA Secure Checking

  • No monthly service fees
  • Use any ATM nationwide for free
  • Bank anywhere with free mobile apps
  • Make deposits anywhere just by taking a picture of the check with our free app (for eligible members). Or, deposit checks at select locations of The UPS Store®. And our deposit-taking ATMs let you manage cash or check deposits.
  • Once you open a free Checking Account, you can open a USAA Secured Card® American Express® Card.
Posted in 2nd Chance Banks, American Express Secured Card, online banks with no credit check, Second Chance Bank Accounts | Tagged