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

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 Louisiana 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 is one of the most well-known banks for Louisiana 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 Louisiana 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.

Neighbors Federal Credit Union Basic Checking

Pelican State Credit Union Horizon Checking

Southwest Louisiana Credit Union Fresh Start Checking

  • La Capitol Federal Credit Union
    Form of Verification:

    TeleCheck

    Email from Bank:

    Yes, we do use TeleCheck for approval when opening new accounts.

    Types of Accounts Offered:

    Personal checking and savings (paperless checking)

    Learn more about La Capitol Federal Credit Union
  • Teche Bank & Trust Co.
    Form of Verification:

    ID

    Email from Bank:

    Thank you for contacting Teche Federal Bank! We have received your e-mail concerning verification on a checking and a savings account. Teche Federal Bank does not use any forms of verification prior to opening our customers accounts. We give everyone a second chance.

    Types of Accounts Offered:

    Personal checking, savings and business accounts

    Learn more about Teche Bank & Trust Co.
  • Neighbors Federal Credit Union
    Form of Verification:

    See email below

    Email from Bank:

    Our new accounts are verified by utilizing Equifax Decision Power, powered by TeleCheck.

    Types of Accounts Offered:

    Personal checking and savings

    Learn more about Neighbors Federal Credit Union
  • The New Orleans Firemen's Federal Credit Union
    Form of Verification:

    TeleCheck

    Email from Bank:

    When opening new accounts, we use TeleCheck.

    Types of Accounts Offered:

    Personal checking and savings

    Learn more about The New Orleans Firemen's Federal Credit Union
  • Bank of Montgomery
    Form of Verification:

    TeleCheck

    Email from Bank:

    We use TeleCheck to verify new checking and savings accounts.

    Types of Accounts Offered:

    Personal checking, savings and business accounts

    Learn more about Bank of Montgomery
  • Home Bank
    Form of Verification:

    TeleCheck

    Email from Bank:

    We do use TeleCheck.

    Types of Accounts Offered:

    Personal checking, savings, and business accounts

    Learn more about Home Bank
  • Bank of St. Francisville
    Form of Verification:

    TeleCheck

    Email from Bank:

    We use TeleCheck.

    Types of Accounts Offered:

    Personal checking, savings and business accounts

    Learn more about Bank of St. Francisville
  • Bank of Zachary
    Form of Verification:

    TeleCheck

    Email from Bank:

    For checking and savings accounts we use TeleCheck at this time.

    Types of Accounts Offered:

    Personal checking, savings and business accounts

    Learn more about Bank of Zachary
  • State Bank & Trust Company
    Form of Verification:

    TeleCheck

    Email from Bank:

    We only use TeleCheck.

    Types of Accounts Offered:

    Personal checking, savings and business accounts

    Learn more about State Bank & Trust Company
  • Carter Federal Credit Union
    Form of Verification:

    TeleCheck

    Email from Bank:

    We do use TeleCheck as part of the verification of establishing a checking account. They can and at times do pull credit but that is not initially used to make a final decision in opening an account.

    Types of Accounts Offered:

    Personal checking, savings and business accounts

    Learn more about Carter Federal Credit Union
  • Community Bank of Louisiana
    Form of Verification:

    ID

    Email from Bank:

    We do not need anything but your driver's license to open a new account. You can open a new account with as little as $50.00. Come by anytime and I will be happy to get your new account opened.

    Types of Accounts Offered:

    Personal checking, savings and business accounts

    Learn more about Community Bank of Louisiana
  • Woodforest National Bank
    Form of Verification:

    ChexSystems and TeleCheck

    Special Notes

    2nd Chance account is $7.95 if you have direct deposit. $9.95 if you do not.

    $25.00 one time debit card processing fee. There is a 15.00 monthly fee FOR A BUSINESS ACCOUNT.

    However, in 6 months or less, the branch determines if you can move to a regular account or open a savings in addition to the second chance account, regular accounts, you can open immediately! (Complimentary overdraft) requiring no credit will kick in after 30 days. It is $500 for direct deposit or $300 without it.

    ALSO! Phone and Online banking are immediate overnight and they're open 7 days! They are VERY friendly and nice to those reported to ChexSystems.

    Email from Bank:

    Before you can open an account with Woodforest National Bank we do run TeleCheck and ChexSystems. If you have any unpaid closures reported by a merchant or another financial institution on either one of these reports you will only qualify for our Second Chance Checking account. You will be able to open an account with us as long as we are able to properly verify your identity and you do not have an unpaid charged off account with Woodforest National Bank.

    Types of Accounts Offered:

    Second chance checking

    Learn more about Woodforest National Bank
  • Hope Federal Credit Union
    Form of Verification:

    ChexSystems

    Special Notes

    They do use ChexSystems but you can still get an account once you become a member. They do offer an account called Easy Checking for those reported to ChexSystems and those with a credit score of less than 600.

    $9.95 a month if the balance of $200.00 is not maintained. FREE if balance of $200.00 is maintained.

    Types of Accounts Offered:

    Second chance checking

    Learn more about Hope Federal Credit Union
  • Crescent Bank & Trust
    Form of Verification:

    TeleCheck

    Special Notes

    I called and verified they do use TeleCheck and not ChexSystems or a credit report.

    Types of Accounts Offered:

    Personal checking, savings and business accounts

    Learn more about Crescent Bank & Trust
  • Wesla Federal Credit Union
    Form of Verification:

    TeleCheck

    Email from Bank:

    We use TeleCheck.

    Types of Accounts Offered:

    Personal checking, savings and business accounts

    Learn more about Wesla Federal Credit Union