Especially for those who have previous checking problems, there are some special checking options designed such as fresh start checking, opportunity checking, restart checking etc. And here is a simple review of good banks or credit unions that may accommodate you in NC.

Charlotte Metro Credit Union‘s membership is eligible for those who live or work in Mecklenburg county. The credit union’s Fresh Start Checking brings its members a second chance to rebuild their personal financial life. There is no requirement of minimum balance. The checking account comes with many benefits including unlimited check writing, low monthly service fee, free online banking and free debit cards.

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

Woodforest bank has branch offices in Raleigh, Nashville, Greensboro, Charlotte, Raleigh, Weaverville, Williamston, Havelock, Wadesboro, Conover, Whiteville, Fayetteville, Louisburg, Hendersonville, Smithfield, Sanford, Jacksonville, Lumberton, Zebulon, Burlington, Leland, Southport, Arden, Lenoir, Wallace, Kernersville, Belmont, Hickory, Cherryville, Cherryville, Oxford, Erwin, Statesville, Denver, Charlotte, Aberdeen, Mayodan, Reidsville, Albemarle, Locust, Elkin, Concord, Goldsboro, Wilkesboro, Shelby, Thomasville, Mocksville, Tarboro, Waynesville, Clayton, Hillsborough, Asheboro, Randleman, Eden, Salisbury, Laurinburg, Morrisville, Raleigh, Durham, Winston Salem, New Bern, Pembroke, Spruce Pine, Forest City, Indian Trail, Holly Springs, Mount Olive, Winston Salem, High Point, Burlington, Roanoke Rapids, Elizabeth City, Henderson and Granite Falls, NC. So, you can access one of the mentioned branches to apply for Woodforest bank’s second chance checking account with an opening deposit of $25. And if you have experienced banking challenges in the past, it is a good chance for you.