Banks in Minnesota with Second Chance Checking Accounts
A few banks in Minnesota offer Second Chance Banking Programs, which means that, if you qualify, the bank will open a conditional checking account for you even if you’re on ChexSystems. Banks have different 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. Second chance banking programs almost always have a monthly fee. Alternatively, you can open a new bank account online with a bank that does not use ChexSystems or check your credit. Banks with Second Chance Checking in Minnesota
The Best no credit check, no chexsystems Banks in Minnesota are:
- Scottrade Bank – Open a checking account online with No monthly fees, no maintenance, withdrawal, transfer or ATM fees, including most cash withdrawal fees charged by other bank’s ATMs. Free checks. No opening deposit. Scottrade Bank has hundreds of branches nationwide and in Minnesota, including Minneapolis, Apple Valley, Blaine, Bloomington, Prairie, Maplewood, Plymouth, Rochester, Saint Paul, and Waite Park MN.
- 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 is currently offering a $50 bonus if you also open a checking account. You have to have either a Discover Savings account or credit card to open a Discover Bank checking account. 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. Second Chance Checking Bank with no credit check best bank for bad credit and no opening deposit
The banks on Checking Help’s List of Second Chance Banks in Minnesota 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.
Minnesota Valley Federal Credit Union offers Minnesota residents in Mankato its “Second Chance Checking Account.” This type of Minnesota Valley Federal Credit Union account does entail a $10 monthly service fee. However, Second Chance Checking account holders with Minnesota Valley Federal Credit Union only need keep their accounts in good standing for six months before they are eligible for a regular checking account. Furthermore, upon a customer’s switching to a regular checking account, Minnesota Valley Federal Credit Union deposits half the total fees the customer paid into her new checking account
Wings Financial Credit Union is offering a $50 Bonus when you become a member and open and use a new Wings First Class Checking Account. Wings Financial Credit Union offers a surcharge-free ATM network – over 60,000 nationwide. The Wings Financial Credit Union First Class Checking Account has No monthly service charge, Cash back with Signature Rewards, free first box of checks and free ATM access.
Minnesota Banks with Second Chance Checking