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Second Chance Checking Accounts

Ready for a fresh start?

Even if your checking track record is less than perfect, you can still open this account.

A new beginning

Second Chance Checking comes with everything you expect from a regular checking account—it’s just a little easier to get qualified. If you have some dings on your ChexSystems record, this is the option for you.

Plus, once you’ve got a clean track record for a little while, we can transfer you over to our Preferred Checking account.

Feature - Second Chance Checking Accounts

Mobile banking built for real life

Get access to your account 24/7. Deposit a check in seconds. Make paying bills almost fun.

Feature - Second Chance Checking Accounts 2

Access to 30,000 fee-free ATMs nationwide and 5,000 shared branches

 

Find a Branch or ATM

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No minimum balance

We never charge fees for something as silly as keeping a low balance.

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Visa® Debit Card

Friendly local credit union.
Internationally accepted debit card.

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Direct Deposit

Save time each month by signing up to get your paycheck sent straight you.

Frequently Asked Questions

  • We do not give a free box of checks with a new checking account. If you would like to order a box of checks, you may ask any branch or contact center staff, or do so by visiting http://www.ordermychecks.com/login_a.jsp.

  • Our primary checking accounts do not have a monthly fee. However, we offer a Second Chance Checking account for those that do not qualify for our primary checking product; there is a $12 monthly fee for that account. View rates and fees here.

  • No. We don’t want our members to have to worry about keeping a minimum balance in their checking account.

Here's how it works

  • 1

    Get started online

    Get started right here online.
    It's fast and easy.

  • 2

    Download the mobile app

    Download our app to track your balance, pay bills, and more.

  • 3

    Get your card in the mail

    We'll send your Visa debit card straight to your home address.

Open Now

I love Zing. They have made banking seamless.

— Carol P.

Resources

Order Checks
ID Safe Choice
Direct Deposit

Second Chance Checking Accounts Disclosures

Fraud Alert Zing CU will NEVER call you and ask you for your online banking login information, MFA codes, or other personal information. Do not share this info.