The Best Banks & Credit Unions in Hawaii That Offer Second Chance Bank Accounts

  • Daniel Weiss Daniel Weiss
  • July 19, 2021

ChexSystems can be a real pain to deal with when you’re trying to get a bank account opened in your name. It was established as a system to monitor and screen people who are looking to open checking and savings accounts. But the side effects of this kind system can result in you being unable to open a bank account even if you haven’t done anything shady.

Fortunately, there are still more than a couple of banks in Hawaii that don’t use ChexSystems for verification. We’ll be looking at some of these banks as well as what your options look like if you get flagged by ChexSystems.

Your Top Pick

BBVA Online Checking

BBVA is one of the most well-known banks for Hawaii residents that are looking for a second chance bank account.

You can open this account with as little as $25 for your initial deposit.

Why is it recommended for you?

Right now, a free checking account at BBVA is the only trusted option for customers looking for a Second Chance Checking account with high approval rate and excellent features and conditions. Use this opportunity to rebuild your credit while having a bank account with no restrictions.

  • Relaxed account opening requirements
  • Free ATM withdrawals on BBVA ATMs
  • Online and mobile banking facilities included
  • Customizable banking alerts
  • No hidden fees or ATM charges
  • Online & mobile banking facilities included
  • Customizable banking alerts
  • Available nationwide (except Alaska and Hawaii)
  • Member FDIC

You can open this account with as little as $25 for your initial deposit

Open a BBVA Account Now!

Local Banking Options

Following is the web's most comprehensive list of banks and credit unions in Hawaii that do not use ChexSystems and which may approve you for a bank account.

Please note that any unsuccessful attempt to open an account may have a negative impact on your credit history and score.

To avoid this, please check if there are any proven, top picked solutions are available in your area (listed above) or on our page with best non-ChexSystems banks and other banking alternatives.

See more: Comprehensive List of Non-ChexSystems Banks

Another note to add is that it's a good idea to get your free annual report and try to dispute ChexSystems.

This list also contains email responses from banks as well as applicants’ personal experiences and comments. This page is updated regularly, so please consider adding it to your bookmarks.

GTE FinancialGo Further Checking
Go BankMobile Banking
Navy Federal Credit UnionVarious Accounts
Peoples Cash SolutionsSecond Chance Checking
Radius BankEssential Checking
SoFi MoneyCash Management Account
Varo BankOnline Bank Account
GTE FinancialGo Further Checking
Go BankMobile Banking
Navy Federal Credit UnionVarious Accounts
Peoples Cash SolutionsSecond Chance Checking
Radius BankEssential Checking
SoFi MoneyCash Management Account
Varo BankOnline Bank Account
  • CU Hawaii Federal Credit Union
    Form of Verification:

    TeleCheck

    Email from Bank:

    To become a member we would first have you open a Savings account. The savings is what establishes your membership with us. Upon opening a new checking account here at CU Hawaii, we run your Social Security Number through the TeleCheck system.

    Types of Accounts Offered:

    Personal checking and savings

    Learn more about CU Hawaii Federal Credit Union
  • Hawaii Community Federal Credit Union
    Form of Verification:

    Unicheck

    Email from Bank:

    We use Unicheck.

    Types of Accounts Offered:

    Personal checking, savings and business checking

    Learn more about Hawaii Community Federal Credit Union
  • Kauai Community Federal Credit Union
    Form of Verification:

    TeleCheck

    Email from Bank:

    Before a Regular Share (savings) account is opened at Kauai Community Federal Credit Union, we must verify your identity.

    If you decide to open a checking account, we normally use TeleCheck to verify any past checking account history.

    Types of Accounts Offered:

    Personal checking, savings and business accounts

    Learn more about Kauai Community Federal Credit Union
  • Pentagon Federal Credit Union
    Form of Verification:

    Credit report

    Special Notes

    Anyone can open a savings account once they become a member but checking accounts are based on your credit report. They are known to be very picky about credit. Most are denied the checking account at this credit union and are only approved for the savings.

    Email from Bank:

    We will pull a copy of your credit report when you apply to open an account.

    Types of Accounts Offered:

    Personal checking and savings

    Learn more about Pentagon Federal Credit Union
  • HomeStreet Bank
    Form of Verification:

    ChexSystems

    Special Notes

    I called and talked to manager at the branch and they said yes they do sometimes open accounts for those reported to ChexSystems depending on the severity of the report.

    Types of Accounts Offered:

    Personal savings and checking

    Learn more about HomeStreet Bank
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