2nd chance banking service is specially designed for customers who have been marked by ChexSystems and Telecheck or have some past banking issues. Unfortunately, there are few banks or credit unions that can offers the type of fresh start checking in the state of AK. And I try my best to find three financial institutions as below. And if you think some good banks missed, please let me know. I’ll update the article as soon as possible to help more people in the same boat!
Wells Fargo can offers Opportunity Package in many areas in AK including Bethel, JUNEAU, Fairbanks, Cordova, Barrow, SKAGWAY, Wrangell, Glennallen, Wasilla, Fairbanks, Kenai, Craig,Anchorage, Eagle River, Wasilla, Dillingham, Valdez, Petersburg, Seward, Ketchikan, Palmer, Juneau, Delta Junction, Nome, Kotzebue, Soldotna, King Salmon, Skagway, North Pole, Kodiak, Sitka, Anchorage, Ketchikan. In the package, there are opportunity checking and savings designed for customers who have difficulty in opening new checking accounts at any other banks. The monthly service fee for opportunity checking is only $10, if you choose to use online statements. And if your daily balance is $2000 or more, it will be a free checking account too!
True North Federal Credit Union can offers a type of no interest earning second chance checking called “True Options (S74)” with monthly service fee of only $10. You can access the following link to learn more about if you are eligible for the membership of this FCU: http://www.truenorthfcu.org/servlet/content/membership.html
BOK Financial Corporation has 7 banking divisions including Colorado State Bank and Trust, Bank of Oklahoma, Bank of Texas, Bank of Kansas City, Bank of Arizona, Bank of Arkansas and Bank of Albuquerque. And you can apply for an opportunity checking accounts at any banks mentioned at their branches in AK. Note that, the initial deposit is $50 and monthly maintenance fee is $14.95.
Keybank offers plus check cashing for those customers who are facing banking challenges. And you’ll be required to bring state valided photo I.D. to apply for the special service.