Open a bank account online. Get a Checking Account in Rhode Island with Bad Credit.
Some banks in Rhode Island offer Second Chance Checking Account Programs, which means the bank will open an account for you even if you’re on Chexsystems as long as any overdrawn bank accounts have been paid. 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.
banks Rhode Island
Two of the best, real checking accounts you can open online with no credit check & a low to no opening deposit immediately required are:
- 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.
Open a checking account at Rhode Island Banks with Second Chance Checking Accounts and no credit check
All of the banks on our list of “Best Second Chance Banks in Rhode Island” have short, online applications and most of them do not require an opening deposit as most banks require. So, you can open a checking account from several banks in Rhode Island online and get an instant account number to set up direct deposit.
No Chexsystems Banks in Providence, Rhode Island
Second Chance Banks in Rhode Island
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 5 years unless the information Chexsystem’s has 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. No Chexsystems banks. How do I get a checking account if i am on chexsystems?
Rhode Island banks with second chance bank accounts
Second Chance Banks in Rhode Island with free checking accounts and no opening deposit
List of Rhode Island Banks, Sovereign Bank in Rhode Island, Citizens Bank in Rhode Island, Wachovia Bank in Rhode Island, Webster Banks in Rhode Island, second chance banking – Banks in Rhode Island, Independence Bank in Rhode Island, Wells Fargo Opportunity Package. East Greenwich, RI