No matter you have a history of being reported to Chexsystems, or mismanaging your checking account in the past, there is a special type of financial service called 2nd chance banking for you. So, here is a simple review of those good banks or credit unions offering fresh start checking or opportunity checking in TN.

Republic Bank has branches in Franklin, TN. And Republic bank’s Simple Access is a smart electronic transaction account without requirement of minimum balance. It is well designed for customers who have four or more records on ChexSystems.

First National Bank offers Credit Builder accounts for those customers with e-funds score below 586. There is no requirement of opening deposit. It will come with free online banking and debit card. The bank has branches in Pulaski, Ardmore, Belfast, Fayetteville, Fayetteville, Lynnville, Fayetteville and Pulaski, TN.

M&F bank‘s Opportunity Checking is right for clients with previous banking problems. Its service fee is $9 per month. And M&F has branch offices in Cordova and Bells, TN.

Staley Credit Union‘s Renew Checking account is designed for its members who need a second chance to open new checking accounts to get back on their feet. Its opening deposit is $50 and you’ll be charged $5 for monthly service fee. The credit union has branch in Loudon, TN.

UT Federal Credit Union

Hope Community Credit Union