There are some good banks and credit unions that offers 2nd chance banking services in Alabama. Here is a good list of those financial institutions.

Opened in 1980, Woodforest Bank provides both business and consumer financial services in seventeen states of USA. And it has branches in Gulf Shores, Andalusia, Millbrook, Brewton, Fairhope, Enterprise, Prattville, Greenville, Montgomery, Monroeville, Pensacola, AL. The bank’s second chance checking is designed with requirement of an initial deposit of $25 and monthly maintenance fee of $7.95 or $9.95. Compass Bank has branches in Tuscaloosa, Center Point, Fairfield, Birmingham, Eufaula, Auburn, Montgomery. The fee of Compass bank’s 2nd chance checking is $13.95/month.

Park Community Federal Credit Union offers Fresh Start Account without minimum balance requirement or number of ATM transactions. But you’ll be charged $12/month for the special service. It has only a branch in Decatur, AL.

Family Security Credit Union offers a type of checking product called “Give Me A Break Checking” with monthly service charge of $10. It is specially designed for those who need to rebuild their history of banking. The credit union has branch offices in Athens, Mobile, Madison, Daphne, Pine Hill, Guntersville, Cullman, Thomasville and Decatur, AL.

M&F Bank‘s Opportunity Checking provides those who have been marked by Chexsystems with a good opportunity to start over. It will require a monthly service fee of $9. But the initial deposit is at least $100. It is surprising that there is no requirement of minimum balance. And there is also an opportunity for you to upgrade the account to a free checking! It has four branches in Inverness, Pelham, Columbiana and Chelsea, AL.

Mutual Savings Credit Union can provides you with a second chance to open a new checking account in Selma, Calera, Birmingham, Clanton, Midfield, Alexander City and Pelham, AL. You’ll be required to make a deposit of $100 to open the account. The checking account is designed with many benefits and a monthly service fee of $16.95.

Family Savings Credit Union‘s fresh start checking comes with no monthly maintenance fee and no requirement of balance! With it you can make unlimited transactions of debit card too. There is an initial deposit of $25. If you work or live in county of Etowah, you’ll be eligible to join the credit union and apply for the special account.

First National Bank’s Credit Builder Checking is a good option for those who want to start over with a history of poor credit. There is no opening deposit required!

The Alabama Credit Union‘s Fix-It Checking is designed for those members who have past checking issues to start over. Before you apply for the account, you’d better prepare something including Valid state-issued photo ID, UAH Charger Card and SSN(or tax ID). The credit union has more than 129 branches covering almost all Alabama.

West Alabama Bank offers Fresh Start Checking to those customers who have failed to open new accounts at any other banks. The account’s opening deposit is only $100. You’ll be charged $10 each month as the monthly service fee. The bank has branch offices in Butler, Ethelsville, Tuscaloosa, Reform, Aliceville, Northport, Livingston, Millport, Marion, Carrollton, Gordo, AL.

Alabama Telco Credit Union‘s e-Checking is a type of 2nd chance checking account. The credit union has several offices in Hoover,  Madison, Hueytown,  Dothan,  Birmingham, AL.

Azalea City Credit Union offers Opportunity Draft accounts too!

Bank of the Ozarks‘ Pathway Checking is a 2nd chance checking account designed for those who previously have had difficulty getting an account.

At last, the great Wells Fargo also have many branches in AL and it can offer opportunity package to those customers who have difficulty in opening new checking accounts. And there is no service fee if your daily balance is $2,000 or more! Note the initial deposit is $100.