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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.

Start Application

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.

Mobile banking built for real life

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

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

No minimum balance

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



Visa® Debit Card

Friendly local credit union. Internationally accepted debit card.



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

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


Get started online

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


Download the mobile app

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


Get your card in the mail

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

I love Zing. They have made banking seamless.

Carol P.


Order Checks

ID Safe Choice

Direct Deposit

Second Chance Checking Accounts Disclosures