As you have discovered, there are banks that offer second chance checking. However, just because a bank offers a second chance checking account does not mean that you will get approved. While we can not guarantee approval due to the individual business needs of each bank, we believe the following will help your approval chances.

  • Make sure that all debts to all banks that you have done business with in the past are paid in full and you have receipts.
  • Have a copy of your ChexSystems report.
  • Make sure that you have a minimum of $150 to open the checking account
  • Make sure you have all forms of personal identification including a drivers license (or state issued id) as well as your social security card
  • If your work offers direct deposit, make sure you have any forms that your bank will require and the forms for your work as well.
  • Consider opening an online savings account before applying for your checking account and have a small amount direct deposited to your account every paycheck. This will show your willingness to find and keep financial stability. HSBC Advance offers a high interest savings account and only requires $1 to get started. Learn more here.
  • Open a savings account with the bank you want a checking account with, even if you have an online savings account. Once again this will show your desire to maintain financial stability.

Once again, while we can not guarantee approval the information above should help your chances of getting approved for a second chance checking account.