Not having a checking account is a huge pain, and check cashing fees are just brutal, so what are you to do? That’s where second chance checking comes into play. In this post I’ll show you a couple of ways to get these accounts and how each one works for you. There are lots of reasons why you can’t get a checking account, but these will help just about anyone out.
You really have two options here. It’s a choice between going though a regular bank or doing everything online. Getting your checking account at a standard bank is the tougher route, but it’s much more affordable. Compass Bank is well known for offering bank accounts without Chexsystems. They don’t care what your financial past is like, they just want your business. The problem, though, is that hardly anyone lives near a Compass Bank! Their branches are throughout the Southwest US and California, but that doesn’t cover too many people! If you live near a branch, this is the way to go.
Online, things are a bit different. Companies like Rush Card and Vision Premiere offer accounts that will guarantee approval. These are completely online, and only require that you are a valid US citizen (to prevent fraudulent accounts). 
They don’t check credit, employment, Chexsystems, or anything. Most of your transactions will happen online, so it’s extremely helpful if you get your paycheck via direct deposit. If you do need to visit a “branch” it normally happens at your local check cashing store where they accept the check or cash you want to deposit and take care of it for you.
These accounts aren’t for everyone, but if you’re stuck on Chexsystem, or can’t get a checking account for whatever reason, they may be your best alternative. If you’re having to make a choice between check cashing fees or a bank account like this, the answer is pretty clear!
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