There are some good credit unions and banks offering second chance checking accounts in Texas. Here is a simple review.
Bank of Texas offers opportunity checking to those customers with history of poor credit or being marked by Chexsystems. Its monthly service fee is $14.95.
Peoples Bank offers second chance checking as a type of five star checking without requirement of minimum balance, monthly maintenance fee or transaction fees. It is a good chance for customers with past checking challenges to rebuild checking relationship and improve personal credit record. The bank has several branches in Paris, TX.
Bank of the Ozarks‘ Pathway Checking is a 2nd chance checking account designed for those who previously have had difficulty getting an account.
Compass Bank‘s basic checking is a good second chance for you to own new checking account. Its service fee is $13.95/month. Compass Bank has more than 370 branch offices in TX.
Smart Financial CU offers Smart Chance Checking account with monthly service fee of $10. And if you live or work in one of the mentioned counties including Fort Bend, Montgomery, Orange, Chambers, Jefferson, Harris, Brazoria and Galveston, TX, you’ll be eligible to join Smart Financial CU and apply for the special checking account.
Texas Bay Area Credit Union offers Fresh Start Checking account to members who have past checking problems and need a second chance now. The credit union has branches in North Shore, Pasadena and Fuqua, Texas.
Velocity Credit Union‘s Access Checking is well designed for members who have difficulty in maintaining their checking accounts well in the past. If you can keep the account in good standing for more than a year, there is a chance for you to upgrade it to a regular checking account of this credit union.
Unity One Credit Union‘s Clean Start Checking is a good chance for its member to rebuild banking relationship. Its opening deposit is $50. And if you use direct deposit, the monthly service is only $10, otherwise it is $15. The credit union’s membership is eligible for anyone who lives or works in the communities of Watauga, Keller, Haslet, Saginaw, Blue Mound, Haltom City, Fort Worth and Greater Fort Worth, Texas.
Lone Star Credit Union‘s Bluebonnet Checking Account comes with opening deposit of $25 and monthly service fee of $10. It is a type of non-interest bearing checking account. And the membership is only eligible for those who live in Delta, Hopkins, Hunt, Kaufman, Rains or Rockwall, TX.
Austin Telco Federal Credit Union offers fresh start checking to its members who have been marked by TeleCheck or ChexSystems in the past. And the credit union has branches in Bastrop, Austin, Buda, Cedar Park, Austin, Georgetown, Round Rock, Cedar Park, Lakeway, Leander, Lockhart, Round Rock, San Marcos, Pflugerville, Taylor and Round Rock, TX.
If you have history of mismanaging the checking account in the past, you may need a second chance to open new checking account. And Las Colinas Federal Credit Union offers second chance checking accounts with monthly service fee of $10. And if you can manage the checking account successfully for half of a year, the service fee will be waived. The credit union has branch offices in Irving, Addison and Dallas, TX.
There always are some unforeseen circumstances that you may be reported to Chexsystems. Tarrant County Credit Union‘s 2nd chance account is a good solution for you to rebuild personal finance. The account comes without requirement of opening deposit, minimum balance or monthly service fee.
Neighborhood Credit Union‘s fresh start checking is just available to its members who failed to qualify for any other regular checking accounts because of their adverse records with other banks or credit unions.
At last, Western Federal Credit Union, Tru West Credit Union and Energy One Federal Credit Union have branches in TX. So, you can try to apply for their second chance banking services.