Banks in Georgia with Second Chance Checking Accounts

Banks not using ChexSystems Georgia
Some banks in Georgia specifically offer a “Second Chance Checking Account” Program, 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. 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 usually 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.

Three of the best no credit check banks that don’t use ChexSystems in Georgia 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.   Second Chance Checking A List of Banks in GeorgiaSecond Chance Checking in Georgia no opening deposit
  

The banks on the list of Second Chance Banks in Georgia do not use ChexSystems or check your credit history. Most 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 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.

For example, Excel Federal Credit Union offers second chance checking accounts to Georgia residents. While this type of account has associated service fees, account holders enjoy all the perks associated with the credit union’s other types of checking accounts. For instance, they have free access to over 800 Presto! ATMs within Georgia – including locations in Atlanta, Norcross and Alpharetta – and can even order stop payments.