Nevada Banks with Second Chance Checking Accounts
Open a Checking Account with Bad Credit in Nevada
Several banks in Nevada have “Second Chance Checking Account” programs, which means they’ll open an 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 must typically 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. Nevada
The best checking accounts you can open online with no credit check, low to no opening deposit and no Chexsystems are: List of Second Chance Banks
- 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. You have to have either a Discover Savings account or credit card to open a Discover Bank checking account.Second Chance Checking
The banks on Checking Help’s List of Second Chance Banks in Nevada 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.
Nevada residents can open a second chance checking account with Bank of Nevada, which offers a “New Opportunities Checking” account. Bank of Nevada has locations in Las Vegas, Henderson and Mesquite, Nevada.
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. 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.
