There are many good banks and credit unions that offer 2nd chance checking, Fresh Start checking or new opportunity checking to those who have past banking problems in the state of KY.

Republic Bank‘s Fresh Start checking accounts are designed for the customers with no more than four negative records on ChexSystems. There is no requirement of minimum balance. And its service fee is $12.95 per month. The bank has branches in Louisville, Owensboro, Florence, Frankfort, Covington, Independence, Crestwood, Prospect, Lexington, Elizabethtown and Shelbyville, KY.Citizens Union Bank offers second chance checking to customers who have trouble in getting new checking accounts at any other banks. The bank have branch offices in Shelbyville, Shelbyville, Bagdad, Taylorsville, Mt Washington, Louisville, Lagrange, Hodgenville, Elizabethtown, Radcliff, KY.

Community Bank‘s New Opportunity Checking is a second chance for customers with past banking problems to re-establish their financial credibility. Its opening deposit is $50 and its monthly service fee is only $9.95. It has branches in Bardstown and Louisville, KY.

First United Bank of Hopkins County has branch offices in Madisonville and Earlington, KY. The bank offers opportunity checking accounts for those customers with some financial setbacks to rebuild their credit and checking relationships.

FNB bank offers 2nd chance checking accounts to customers who have past checking challenges. With $12 for setup fee, its service fee is $12 per month. The bank has branches in Mayfield, Paducah, Wingo, Murray, Cadiz, KY.

Forcht Bank‘s New Start Checking comes with opening deposit of $100 and monthly service fee of $10. It has branches in Lexington, williamsburg, Corbin, Richmond, London, barbourville, Greensburg, Boone County, Grant County, Campbellsville, KY.

MainSource Bank?also have branches in KY. So you can apply for its Fresh Start Checking with monthly service fee of $11.

Park Community?has branches in Louisville, Berea, Lexington and Shepherdsville, KY. Its fresh start account is a second chance for its members who have been marked by Chexsystems. The service fee is $12 per month.

Beacon Community Credit Union offers 2nd chance checking accounts for those who have been denied to open new checking accounts at any other financial institutions. And if you keep the account in good standing for more than half of a year, you’ll be eligible to apply for regular checking products of this credit union.

If you live or work in one of the mentioned counties including Boyle, Breckenridge, Grayson, Hart, LaRue, Meade, Nelson and Taylor, you’ll be eligible to apply for Fort Knox Federal Credit Union‘s 2nd Chance Checking. For more details, please access anyone of its branches in KY.

Western Federal Credit Union‘s Right Start Checking is a type of second chance banking service. And if you need a fresh start to rebuild your checking relationship, it is a good option. First Federal Savings has many branches in KY and its fresh start checking is specially designed for customers with past banking problems.

Louisville medical federal credit union is also reported to offer second chance checking accounts in KY.