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

Editor's Choice

BBVA Online Checking

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

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

Features and Benefits

  • Bad credit OK
  • Relaxed account opening requirements
  • Free ATM withdrawals on BBVA ATMs
  • Online and mobile banking facilities included
  • Customizable banking alerts
  • Available nationwide (except Alaska and Hawaii)
  • Member FDIC

Recommended For:

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.

Local Banking Options

Following is the web's most comprehensive list of banks and credit unions in Idaho that offer second chance banking 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

This page is updated regularly, so please consider adding it to your bookmarks.

Bank of the WestFresh Start
GTE FinancialGo Further Checking
Go BankMobile Banking
Latah Federal Credit UnionSecond Chance Checking
Navy Federal Credit UnionVarious Accounts
Peoples Cash SolutionsSecond Chance Checking
Radius BankEssential Checking
SoFi MoneyCash Management Account

Pioneer Federal Credit Union

Form of Verification: ID and credit report

Special Notes:

Does not use ChexSystems or TeleCheck..here is someone that got an account:

I went with Pioneer Federal Credit Union. Thanks.

Another one:

Hi, Just wanted you to know I got an account with Pioneer Federal Credit Union today, Thank you.

Email from Bank:

We do pull a credit report when someone applies for a checking or savings account, we do not use ChexSystems or TeleCheck. Normally it is 500 or greater score for both a savings and checking. If it is less than 500 with no collections or only medical or utility collections we may open a savings depending on what is being reported.

Types of Accounts Offered: Personal checking and savings

Learn more about Pioneer Federal Credit Union

Pine Tree Community Credit Union

Form of Verification: Credit report

Special Notes:

I called and they do not use anything to open the accounts but they will run a credit report when a debit card is requested.

Types of Accounts Offered: Personal checking and savings

Learn more about Pine Tree Community Credit Union

Capital Educators Federal Credit Union

Special Notes:

THEY DO NOT USE CHEXSYSTEMS, TELECHECK, EWS.

Email from person that got an account: Thank you for sending me the list. I can’t tell you how much I appreciate it. We are going to open an account this afternoon at Capital Educators Credit Union here in Boise. When I called to talk with them to see if they did a credit check or used ChexSystems, they said no and that they are just a “handshake kinda bank”.

Make a donation to their teacher assistance fund and your eligible for membership.

Email from Bank:

Here at Cap Ed, we do not use ChexSystems, TeleCheck, or early warning. However, you may have your credit report ran upon opening a new account.

Types of Accounts Offered: Personal checking and savings

Learn more about Capital Educators Federal Credit Union

Latah Credit Union

Form of Verification: ID and OFAC

Special Notes:

Do not use ChexSystems, TeleCheck, or EWS.

Email from Bank:

At this point, we do not use one of these services to verify accounts. We do run everyone through OFAC.

Learn more about Latah Credit Union

Horizon Credit Union

Form of Verification: Credit report

Email from Bank:

Horizon Credit Union uses a credit report when opening a new account. We evaluate the credit profile as a whole, so we don’t limit it to a particular minimum credit score.

Types of Accounts Offered: Personal checking and savings

Learn more about Horizon Credit Union

U.S. Bank

Form of Verification: ChexSystems

Special Notes:

It has been reported that if your report is 21/2 yrs or older, they will not even see it. If this is your situation you can apply online, if not, you would need to visit an “in store” branch.

Most US banks “in store” branches are giving accounts to most people on ChexSystems. These are regular accounts, not 2nd chance checking...as long as you do NOT owe US Bank money and you are not reported on your ChexSystems report for any kind of "fraudulent activity".

There are some branches that are still not using this policy so it might be a good idea to call a branch local to you and ask about their policy first before going in.

Some “in store” branches have signs that actually says “ChexSystems? no problem!”… yet others will not open accounts at all. People are approved everyday.

Some branches do offer 2nd chance checking and some have been able to open business accounts when all debt to reporting bank(s) are paid and fraud is not indicated.

Types of Accounts Offered: Personal checking, savings and business accounts

Learn more about U.S. Bank

Idaho Central Credit Union

Form of Verification: Credit report

Email from Bank:

Thank you for your email. We do not use check systems, TeleCheck or early warning when opening a membership. We do use credit reports when we open them. In order to qualify for membership you must live or work in the state of Idaho and have a minimum credit score of a 480.

Types of Accounts Offered: Personal checking, savings and business accounts

Learn more about Idaho Central Credit Union

Bank of the West

Form of Verification: ChexSystems

Special Notes:

The manager told me its called "Fresh Start". Your last entry into ChexSystems must be older than one year. Cannot say Fraud. $10 a month.

Types of Accounts Offered: Second chance checking

Learn more about Bank of the West

Cottonwood Community Federal Credit Union

Form of Verification: Equifax Credit report

Special Notes:

They do not use ChexSystems.

Email from Bank:

I called and verified they do not use ChexSystems but they will run an Equifax credit report and look at the overall credit.

Types of Accounts Offered: Personal checking and savings accounts

Learn more about Cottonwood Community Federal Credit Union

Icon Credit Union

Form of Verification: ChexSystems

Special Notes:

If you are eligible for membership you can get a savings account and they will only run a credit report. If you apply for the checking, they will run ChexSystems and they may approve you depending on the severity of the report. For best results for a checking, reporting bank(s) must be paid and fraud should not be indicated on the report.

Email from Bank:

We typically pull a credit report with new memberships and run ChexSystems for new checking accounts.

Types of Accounts Offered: Personal savings and checking account

Learn more about Icon Credit Union

Banks and Credit Unions That Offer Second Chance Banking by State

AlabamaLouisianaOklahoma
AlaskaMaineOregon
ArizonaMarylandPennsylvania
ArkansasMassachusettsRhode Island
CaliforniaMichiganSouth Carolina
ColoradoMinnesotaSouth Dakota
ConnecticutMississippiTennessee
DelawareMissouriTexas
District of ColumbiaMontanaUtah
FloridaNebraskaVermont
GeorgiaNevadaVirginia
HawaiiNew HampshireWashington
IdahoNew JerseyWest Virginia
IllinoisNew MexicoWisconsin
IndianaNew YorkWyoming
IowaNorth Carolina
KansasNorth Dakota
KentuckyOhio