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

Editor's Choice

BBVA Online Checking

BBVA is one of the most well-known banks for Kansas 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 Kansas 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.

Central National Bank Second Chance Checking

United Consumers Credit Union Second Chance Checking

National Bank of Kansas City Fresh Start Checking

Ark Valley Credit Union

Form of Verification: Credit report

Special Notes:

They do not use ChexSystems.

Email from Bank:

We use TransUnion credit reports for opening new checking accounts. No credit report required for opening new savings accounts.

Types of Accounts Offered: Personal checking and savings

Learn more about Ark Valley Credit Union

Citizens State Bank and Trust Company

Form of Verification: DL and SS card

Special Notes:

They do not use ChexSystems.

Email from Bank:

I called and they only use an ID and SS card.

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

Learn more about Citizens State Bank and Trust Company

BankWest of Kansas

Form of Verification: 2 forms of ID

Email from Bank:

I called and verified they do not use ChexSystems or any type of credit report.

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

Learn more about BankWest of Kansas

Central Kansas Credit Union

Form of Verification: Credit report

Special Notes:

They do NOT use ChexSystems.

Email from Bank:

All our new accounts are by credit committee approval only and all applicants are checked through OFAC and we run a TransUnion credit report in that process.

Types of Accounts Offered: Personal checking and savings

Learn more about Central Kansas Credit Union

Community Bank and Trust

Form of Verification: SS card and DL

Email from Bank:

We currently do not use any system to verify checking and savings accounts. All new checking and savings accounts are welcome provided the minimum deposit to open is satisfied for each type of account. We currently are offering 7 new checking accounts. To open an account with Community Bank and Trust you just need current id, your social security number, date of birth and a physical address. $50 can open a checking account and $100 to open a savings.

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

Learn more about Community Bank and Trust

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

KC Fairfax Federal Credit Union

Form of Verification: TeleCheck

Email from Bank:

We use TeleCheck.

Types of Accounts Offered: Personal checking and savings accounts

Learn more about KC Fairfax Federal 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

Great Western Bank

Form of Verification: ChexSystems

Special Notes:

It has been reported that as long as your report is a year or older, they will open an account. Fraud should not be indicated on the report for the best results and preferably.

  1. only one reporting bank
  2. debt to reporting bank is paid
  3. best to open the account over the phone

Email from Bank:

Thank you for your inquiry. If your Chex-systems record is more than a year old than it will be considered, but it is still not guaranteed that an account would be opened. The best thing to do would be to come in to a branch location, sit down and talk with a Personal Banker, and have them pull the Chex-systems report. You can discuss with them at that time, the items that mat appear on that report and whether or not the account could be opened, or what your options are.

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

Learn more about Great Western Bank

United Consumers Credit Union

Form of Verification: ChexSystems

Special Notes:

Second Chance Checking* Our Second Chance Checking Account can help you establish a successful banking relationship regardless of past credit problems. Instead of paying payday lenders or check-cashing companies 400% interest (the industry average), you pay just $10 per month for unlimited check writing. After 12 months of successfully managing your Second Chance Checking Account, you can request that your status be reviewed and switched over to a regular checking account. That can save you even more money, and open the door to a variety of other credit union services and benefits.

*Individuals with a record of fraud on the Chex System report and those who have caused a loss at UCCU are not eligible. Direct Deposit of your paycheck is required if offered by your employer. Maximum holds as allowed by law will be placed on all checks (other than verifiable payroll checks or other guaranteed fund checks). Debit/ATM Card and Courtesy Pay do not apply. Other terms and conditions will be disclosed at the time you open the account.

Types of Accounts Offered: Second chance checking

Learn more about United Consumers Credit Union

CommunityAmerica Credit Union

Form of Verification: ChexSystems

Special Notes:

They do offer a second chance account.

Email from person that got an account:

Yes I was able to open an account here in Kansas City with Community America CU. It's a second chance checking account. They require you to keep $100 in a savings account for one year and as long as you manage the account properly, you get the $100 back after the year.

Types of Accounts Offered: Second chance checking

Learn more about CommunityAmerica Credit Union

Meritrust Credit Union

Form of Verification: Credit report and ChexSystems

Email from Bank:

Email From person who got an account: They did pull my credit score from Experian and ran ChexSystems. I was originally told by the bank officer that I couldn't open an account, I then asked about the smart checking account as I had inquired from a manager in Wichita what accounts I could qualify for with a week credit score and a bad ChexSystems report.

I am reported to ChexSystems for 4 accounts.

Types of Accounts Offered: Smart checking account

Learn more about Meritrust 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