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    Second Chance Checking accounts usually have a
    monthly fee up to $20 and you might also have to
    enroll in overdraft protection. Woodforest National
    Bank offers Second Chance Checking to Louisiana
    residents with a $25 initial deposit and a $9 set-up
    fee as well as a monthly $9.95 maintenance fee.
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    Even if you have never bounced a check you might
    have a negative Chexsystems record. If you were
    ever issued insufficient funds fees for purchases
    made with a bank check card, your bank may have
    reported you to Chexsystems. If you settled your
    accounts with the bank you might need to show proof.
    The bank can also send a request to have you
    removed from Chexsystems.  Second Chance Banks
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    Each report submitted to ChexSystems remains on
    file for five years, unless the bank that filed the
    report requests its removal or ChexSystems becomes
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$50
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If you need a second chance checking account in Louisiana because of a bad banking history with ChexSystems or Telecheck, the banks on this page offer no credit check bank accounts and do not use Chexsystems. Banks in Louisiana offering Second Chance Checking programs might let you open a checking account even if you're on Chexsystems but you have to qualify and not everyone is approved. This is different from the banks on the list of “No Chexsystems Banks in Louisiana” because they skip the Chexsystems process all together. Banks in Louisiana with second chance checking accounts online
Most of the banks on the list of No Chexsystems Banks in Louisiana do not require an immediate opening deposit. So, you can open a checking account online and get an instant account number to set up direct deposit. Normally, you have 30 days to mail in the opening deposit or visit a local branch. Sometimes you use a credit or prepaid card online. There are many branch locations in Louisiana including Baton Rouge, Covington, Metairie, Shreveport, Covington, and Lafayette, Louisiana and more. You can open an online account today.List of Banks in Louisiana with second chance checking accounts
The best checking accounts you can open online with no credit check, no opening deposit and no Chexsystems are: Second chance checking accounts in Baton Rouge Louisiana
BBVA Compass 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 banks ATMs. Free checks. $25 opening deposit. BBVA Compass Bank has hundreds of local branches nationwide. . A List of Banks in Louisiana with Second Chance Checking Accounts
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. 2nd Chance Banks in Louisiana with no opening deposit
Banks rarely deny you a checking account because you have bad credit. Usually, a bank will deny your application because you have a history of bounced checks or overdrawn bank accounts. When you apply for a new checking account in Louisiana, most banks will do a "hard pull" of your credit, which means they will check your complete credit report and score. Every time you apply for a new checking account and a bank does a complete credit check, it will lower your credit score by 2 points. No Credit Check checking account in Shreveport, Louisiana no Chexsystems
All banks are required by law to verify your identity in the form of a soft pull of your credit report. This means the bank only accesses your credit report to check that the basic information on your checking account application, such as your name and address, matches your credit report. A soft pull of your credit report will not lower your credit score. Second chance banks in Louisiana, second chance bank in Louisiana with a free, online checking account no Chexsystems, Fresh Start Checking Account in Baton Rouge, Louisiana. Second Chance Banking Baton Rouge Louisiana
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