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

Editor's Choice

BBVA Online Checking

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

Clarkston Brandon Community Credit Union Fresh Start Checking

Credit Union One Basic Checking

Horizon Bank Fresh Start Checking

Marshall Community Credit Union Fresh Start Checking

Members First Credit Union Fresh Start Checking

Michigan State University Federal Credit Union Rebuild Checking

TCF National Bank

Form of Verification: ChexSystems

Special Notes:

I actually called the 1800 number and they told me that as long as you don't owe TCF any money, anybody can open an account. DO NOT APPLY FOR THIS ACCOUNT IF YOU HAVE BEEN REPORTED TO EWS, THE ACCOUNT MAY BE OPENED BUT WILL LATER BE CLOSED.

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

Learn more about TCF National Bank

Eaton Federal Savings Bank

Form of Verification: TeleCheck

Special Notes:

They do not use ChexSystems.

Email from Bank:

In response to your e mail, yes we use TeleCheck when opening new checking accounts. We do not use TeleCheck when opening savings accounts. For a business account it would depend on the type of business.

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

Learn more about Eaton Federal Savings Bank

Consumers Credit Union

Form of Verification: Credit report

Email from Bank:

We do pull a credit report upon opening your account with Consumers. Most of the reason we pull credit is to make sure that you don’t owe other financial institutions and things of that nature, the score has very little to do with whether or not you are a good fit with us. It is also beneficial to go over the credit report just to make sure there aren’t things on it that you are unaware of.

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

Learn more about Consumers Credit Union

Central Savings Bank

Form of Verification: Credit report

Special Notes:

Person that got account:

Went to the main branch of Central Savings Bank today and opened a checking account with absolutely no problem. They offer a free checking account with no minimum opening deposit and no minimum balance. They do look at a credit report when deciding whether to issue a debit card, but the standards are pretty loose. Looks like a great choice for any Chex-affected folks in northern Michigan!

Another:

Yes, you were very helpful! :) I ended up opening an account at Central Savings Bank in Sault Ste Marie, with no problems at all.

Email from Bank:

We do not use a specific verification for new accounts, though we do require a credit report for debit card applications. You can open a checking without a debit card and only get an ATM if you prefer. If you do request a debit, we look at the overall credit.

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

Learn more about Central Savings Bank

Rockford Community Federal Credit Union

Form of Verification: TransUnion Credit report

Email from Bank:

When opening new accounts we rely on the credit reports to verify identity.

Types of Accounts Offered: Personal checking, savings

Learn more about Rockford Community Federal Credit Union

United Bay Community Credit Union

Form of Verification: TeleCheck

Email from Bank:

We currently use Tele-check when opening a checking account. The only time a credit report is run is when you apply for a credit card or some type of loan.

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

Learn more about United Bay Community Credit Union

Central Macomb Community Credit Union

Form of Verification: ChexSystems

Email from Bank:

We do offer Fresh Start Checking accounts. You would still have to open a Fresh start savings account and there is a $10.00 monthly fee associated with this. After 2 years of good history on the account, you can request to have a regular account with us.

Types of Accounts Offered: Second chance checking

Learn more about Central Macomb Community Credit Union

COPOCO Community Credit Union

Form of Verification: TeleCheck

Email from Bank:

We do call TeleCheck when we open new accounts.

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

Learn more about COPOCO Community Credit Union

Tri-Pointe Community Credit Union

Email from Bank:

We do run a credit report. Anyone can have a savings account though. The checking and any ATM or debit cards can be denied because of credit. And we also decide weather or not to place holds on checks based on credit. I can’t really say we look for a particular score but they will look at if you have any collections or have filed bankruptcy recently.

Types of Accounts Offered: Personal checking and savings

Learn more about Tri-Pointe Community Credit Union

Dowagiac Area Federal Credit Union

Special Notes:

  • No ChexSystems
  • It has been reported that they do not use anything to verify
  • Use a credit report if you request a debit card or you can wait 6 months and if no account problems occour then you automatically get a debit card

$ 10.00 for savings and checking if you want to order checks thru them you have to have a 100 dollars in your account to get them, they send the checks to the bank. You can withdraw the 100 dollars as soon as you pick up your checks though.

Types of Accounts Offered: Personal checking and savings

Learn more about Dowagiac Area Federal Credit Union

CoVantage Credit Union

Form of Verification: Credit report

Email from Bank:

We do run a credit bureau for new accounts.

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

Learn more about CoVantage Credit Union

Motor City Co-op Credit Union

Form of Verification: TeleCheck

Email from Bank:

You would need $13.00 cash to open and account. Ten would go into the savings, minimum required balance, and the three dollars is a one time member fee. We run a TeleCheck and a credit report for all new savings and checking accounts.

Types of Accounts Offered: Personal checking and savings

Learn more about Motor City Co-op Credit Union

TBA Credit Union

Form of Verification: Credit report

Email from Bank:

We use a credit report as criteria to open a checking account. We require a minimum score. Of course, to open a membership/savings account, you only need to meet the membership requirements that state "live, work, or worship in our 5 county area of Benzie, Antrim, Kalkaska, Leelanau, and Grand Traverse. Your credit score has to be 600 or over, you would also be required to open a membership, this requires a $100 minimum balance and a $10.00 fee to join the credit union. If your score is below the 600 it can be reviewed by the loan department to check the circumstances for the lower score and possibly still be approved.

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

Learn more about TBA Credit Union

Western Districts Members Credit Union

Form of Verification: Credit report

Email from Bank:

When you open a share account we take a credit report but as long as you are eligible for membership we open the share account. For a checking account…..it is subject to approval so we do review your credit report and determine whether or not we would approve or deny it.

Types of Accounts Offered: Personal checking and savings

Learn more about Western Districts Members Credit Union

FEDCOM Credit Union

Form of Verification: ChexSystems

Special Notes:

For best results ChexSystems report should not indicate fraud and debt to reporting bank(s) should be paid.

Email from Bank:

When opening a new membership we will use ChexSystems to verify an individual's social security number and identification. In addition, if an individual has any unpaid closures with another financial institution then we will only be able to open a "cash only" savings account.

During the application process for a checking account, we do run a credit report. We do require a credit score of at least 580, plus we will take a look at the credit to ensure there is not great risk (i.e. charge-offs with other financial institutions, etc.).A credit report is ran when you request an ATM or debit card.

Types of Accounts Offered: Savings possibly checking

Learn more about FEDCOM Credit Union

Gratiot Community Credit Union

Form of Verification: Credit report

Special Notes:

They do not use ChexSystems.

Email from Bank:

We look at your overall credit report not for a specific score.

Types of Accounts Offered: Personal checking and savings

Learn more about Gratiot Community Credit Union

Alpena Community Credit Union

Form of Verification: ID, SS card

Special Notes:

I called them and they do not use ChexSystems or a credit report. They only need a valid ID.

Types of Accounts Offered: Personal checking and savings

Learn more about Alpena Community Credit Union

Settlers Federal Credit Union

Form of Verification: ID

Special Notes:

I called them and verified that they do not use ChexSystems or a credit report to open an account. They only need a valid ID.

Email from Bank:

When opening an account with us we do not run ChexSystems or a credit report.

Types of Accounts Offered: Personal checking and savings

Learn more about Settlers Federal Credit Union

Straits Area Federal Credit Union

Form of Verification: ID

Special Notes:

I called and they do not use ChexSystems or a credit report. They need a valid ID only.

Types of Accounts Offered: Personal checking and savings

Learn more about Straits Area Federal Credit Union

Advantage One Credit Union

Form of Verification: TeleCheck and Experian credit report

Email from Bank:

When opening a checking account with Advantage One we use TeleCheck and we also run a credit report with Experian. We have to have a TeleCheck approval code to open the account and a credit score of 500 or greater. We do offer a relationship builder checking account where the score requirement is less as well.

Types of Accounts Offered: Personal checking and savings accounts

Learn more about Advantage One Credit Union

United Educational Credit Union

Form of Verification: TeleCheck

Email from Bank:

If just opening an account, as long as an individual passes TeleCheck (meaning there are no unresolved issues, etc.) a credit report would not be run. If applying for a debit card, a credit report will be ran. If you prefer you can request an ATM card only when you apply and then a credit will not be ran.

Types of Accounts Offered: Personal checking and savings accounts

Learn more about United Educational Credit Union

United Financial Credit Union

Form of Verification: Credit report

Email from Bank:

Credit report and USA patriot act and a score Must be at least a 550.

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

Learn more about United Financial Credit Union

Battle Creek Area Community Federal Credit Union

Form of Verification: Credit report and TeleCheck

Email from Bank:

We use TeleCheck for new account verification. We also will pull a credit report to determine if you would be approved for a Debit Card and ATM card.

Types of Accounts Offered: Personal checking and savings accounts

Learn more about Battle Creek Area Community Federal Credit Union

Clarkston Brandon Community Credit Union

Form of Verification: Credit report

Email from Bank:

We use credit reports when members apply for a checking account. Score does go into the equation but there are other considerations too. Repayment history, outstanding collections, charge offs etc. are all looked at before a decision is made on checking accounts, debit cards and so on.

Types of Accounts Offered: Personal checking and savings accounts

Learn more about Clarkston Brandon Community Credit Union

Frankenmuth Credit Union

Form of Verification: TeleCheck

Special Notes:

They do not use ChexSystems.

Email from Bank:

We use TeleCheck for a checking and run a credit report to get a membership for a savings.

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

Learn more about Frankenmuth Credit Union

SageLink Credit Union

Form of Verification: ChexSystems

Special Notes:

Any member can get a savings account and they will not use ChexSystems . If your report is more than a year old, the reporting bank is paid and there is no fraud reported you might be able to get a checking.

Email from Bank:

You may still open a savings account.

Types of Accounts Offered: Personal checking and savings

Learn more about SageLink Credit Union

Financial Plus Credit Union

Form of Verification: ChexSystems

Special Notes:

Any member can get a savings account and if the report does not show fraud, is paid and there is only one or two negatives, you might be able to get a checking.

Email from Bank:

If you have been reported to ChexSystems, you will still be able to open a savings account. It may prevent opening a checking account or receiving a ATM or Debit card. We look at the big picture when opening checking accounts. How long have you been at your current employer, are you setting up direct deposit and so on.

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

Learn more about Financial Plus Credit Union

Tri-Cities Credit Union

Form of Verification: Credit report and ID

Special Notes:

Person that got an account:

Yes, I was able to find the help I needed thanks to your listing. I went through Tri Cities Credit Union in Grand Haven Michigan. I was able to open a share savings account, with the option of opening a checking account after 6 months of good standing with my savings. They also said if for some reason I am denied in 6 months for a checking account, they will re-evaluate 6 months later. The office staff are very nice and very helpful. They don't look down upon you and seem very happy that I have chosen their credit union.

Email from Bank:

We do run a credit report for new checking accounts but not for just a savings account. We will need to copy your DL though. We don’t go by a certain score per se…we look at the report to see what makes up the score more than anything (late payment history, charged off balances, collections other than medical, etc all would decrease your chances of being able to open the checking right away). If you open a savings and are denied a checking, we do reassess your account 6- 12 months and if you have a good history with using your savings account, we will usually open a checking at that time.

Types of Accounts Offered: Personal checking and savings

Learn more about Tri-Cities Credit Union

Forest Area 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 Forest Area Federal Credit Union

UP State Credit Union

Form of Verification: DLonly is used but they will run a credit is a debit or ATM card is requested.

Special Notes:

They do not use ChexSystems, EWS or TeleCheck.

Email from Bank:

We only ask for proper ID but if an ATM or debit card is requested then we will run a credit report.

Types of Accounts Offered: Personal checking and savings accounts

Learn more about UP State Credit Union

Meijer Credit Union

Form of Verification: Credit report

Email from Bank:

The only thing we do when a person requests a checking account is run a credit report. We do not use ChexSystems, TeleCheck, etc.

To get a check bearing account 620 or above. Otherwise we would open an e checking for you. This account will have a debit card only no checks available.

Types of Accounts Offered: Personal checking and savings accounts

Learn more about Meijer Credit Union

Community West Credit Union

Form of Verification: TransUnion Credit report

Email from Bank:

We would use your TransUnion credit report.You must have a score of 640 or higher.

Types of Accounts Offered: Personal checking and savings

Learn more about Community West Credit Union

Community First Federal Credit Union

Form of Verification: ID

Special Notes:

They do not use ChexSystems, TeleCheck or EWS.

Email from Bank:

Thank you for the question via our website. We do not pull a credit report for opening a checking account, nor do we use either of the other methods you mentioned. However, if you apply for a debit card to go with your checking account, we do pull a credit report-and your credit history determines whether or not we can issue a debit card immediately or if you need to wait through a trial period with no NSF activity in your checking account before we issue the card.

Types of Accounts Offered: Personal checking and savings

Learn more about Community First Federal Credit Union

LOC Federal Credit Union

Form of Verification: TeleCheck

Email from Bank:

We use TeleCheck to verify new accounts.

Types of Accounts Offered: Personal checking and savings

Learn more about LOC Federal Credit Union

Portland Federal Credit Union

Form of Verification: Credit report

Email from Bank:

We use a credit report. We do not necessarily go by a certain score. We look at the whole picture. We do look hard at the "type" of collections that may be on a credit report though.

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

Learn more about Portland Federal Credit Union

Rivertown Community Federal Credit Union

Form of Verification: Credit report

Email from Bank:

I am writing you in regards to your inquiry of our procedures for opening a new account. We do pull a TransUnion credit report and may put certain restrictions on savings accounts with lower credit scores. The eligibility for a checking account is based solely on the credit score. Anyone can open a savings account no matter what their credit score is; however, certain restrictions when it comes to cashing checks or getting an ATM card may be put in place for those with low credit scores. We generally do not open checking accounts for E credit scores and D and C scores may have more restrictions than an A or B score when it comes to daily limits on debit cards and check cashing or deposits.

Types of Accounts Offered: Personal checking and savings

Learn more about Rivertown Community Federal Credit Union

FM Financial Credit Union

Form of Verification: ChexSystems

Email from Bank:

Yes, you can still have an account with the credit union. If you need a checking account however, you would be entitled to our Second Chance Checking account in which there would be a $15.00 a month charge for 1 year and we would not be able to offer a debit card only an atm card.

Types of Accounts Offered: Second chance checking

Learn more about FM Financial Credit Union

Members First Credit Union

Form of Verification: Credit report

Email from Bank:

We currently use Experian credit reporting to approve new checking account.

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

Learn more about Members First Credit Union

1st Community Bank

Form of Verification: ChexSystems

Email from Bank:

First Community does use ChexSystems at the time of account opening to help determine membership eligibility. If an account applicant has an item appearing on ChexSystems that does not necessarily exclude them from opening an account with FCFCU, but it might limit the type of account, such as checking, lines of credit, debit cards, etc. It could limit the account type permanently or on a temporary trial basis.

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

Learn more about 1st Community Bank

Tahquamenon Area Credit Union

Form of Verification: ID

Special Notes:

They do not use ChexSystems, TeleCheck or EWS. They do not run a credit report.

Email from Bank:

No we do not use any of these systems and yes we will open an account.

Types of Accounts Offered: Personal checking and savings

Learn more about Tahquamenon Area Credit Union

Team One Credit Union

Form of Verification: Credit report

Email from Bank:

We pull a credit report with each new account for all owners over the age of 18. Any checking or check card items are approval- based according to your credit history.

We do not require particular credit scores to open a checking account.

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

Learn more about Team One Credit Union

Rogue River Community Credit Union

Form of Verification: Credit report

Email from Bank:

What we do is review the Credit Report, and normally allow them to only have the checking account which enables us to monitor it. No debit/atm card/no Courtesy Pay/no Overdraft protection except for that of transferring from savings to cover checks etc. after that period of time they have to contact us. And if the account has been satisfactory and active we move forward with one service at a time.

Types of Accounts Offered: Personal checking and savings accounts

Learn more about Rogue River Community Credit Union

Riverview Community Federal Credit Union

Form of Verification: TeleCheck

Email from Bank:

We use TeleCheck for all of our new accounts.

Types of Accounts Offered: Personal checking and savings accounts

Learn more about Riverview Community Federal Credit Union

Calcite Credit Union

Form of Verification: TeleCheck

Email from Bank:

We use TeleCheck when opening checking accounts.

Types of Accounts Offered: Personal checking and savings

Learn more about Calcite Credit Union

Wanigas Credit Union

Form of Verification: Credit report

Email from Bank:

We use credit reports. Any score under 550 would need to go to the credit committee for review.

Types of Accounts Offered: Personal checking and savings

Learn more about Wanigas Credit Union

Family First Credit Union

Form of Verification: Credit report

Email from Bank:

We will be pulling a credit bureau report.

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

Learn more about Family First Credit Union

Catholic Federal Credit Union

Form of Verification: Credit report

Email from Bank:

We use credit reports to verify new checking and savings accounts.

Types of Accounts Offered: Personal checking and savings

Learn more about Catholic Federal Credit Union

Oakland County Credit Union

Form of Verification: Credit report

Email from Bank:

In opening new checking accounts, we pull your Credit Report. It is more of a combination of things...score, what the credit looks like, time.

Types of Accounts Offered: Personal checking and savings accounts

Learn more about Oakland County Credit Union

Belle River Community Credit Union

Form of Verification: ID

Email from Bank:

We do not pull credit reports, use TeleCheck or ChexSystems when a member opens a checking or savings account with us. However, if you want to order a debit card, we do pull your credit report, as the debit card is approved based on credit. We look at the history of your credit when determining the qualifications for a debit card.

Types of Accounts Offered: Personal checking and savings accounts

Learn more about Belle River Community Credit Union

Michigan First Credit Union

Form of Verification: ChexSystems

Special Notes:

They offer "Classic Checking" for those with ChexSystems or TeleCheck records. They will open an account, with ATM/debit card access, $20 monthly fee and the only restriction is no transactions at Credit Union Service Centers for six months, then will convert to Premier checking. This is only if there is no additional records that show on the report and as long as there are no overdrafts on the second chance account during that time period of six months.

Email from Bank:

Second chance checking

Learn more about Michigan First Credit Union

River Valley Bank

Form of Verification: Credit report

Email from Bank:

We use a credit report to verify for new accounts.

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

Learn more about River Valley Bank

West Michigan Credit Union

Form of Verification: Credit report

Email from Bank:

We will run a credit report when opening a new checking account. We run the credit report for a number of reasons when opening a checking account. If your score is below 550 the checking account will need to be approved by our loan committee.

Types of Accounts Offered: Personal checking and savings accounts

Learn more about West Michigan Credit Union

Flagstar Bank

Form of Verification: FIS Qualifile which does show ChexSystems information

Special Notes:

They do offer second chance checking called a Next Step Checking for those reported to ChexSystems They will look at

  1. How old the report is
  2. The dollar amount owed

Email from Bank:

I called and they stated that they do offer second chance checking.

  • $50.00 to open the account
  • $5.00 monthly fee
  • MUST set up direct deposit

Need valid Drivers license or 2 utility bills that show current address.

Types of Accounts Offered: Second chance checking

Learn more about Flagstar Bank

Unified Communities Federal Credit Union

Form of Verification: Equifax credit report

Special Notes:

They do NOT use ChexSystems. They run an Equifax credit report and are not looking for a specific score but looking at the report overall.

Types of Accounts Offered: Personal checking and savings accounts

Learn more about Unified Communities Federal Credit Union

Nicolet National Bank

Form of Verification: TransUnion Credit Report

Email from Bank:

We do run a credit check on each account owner before opening a personal checking account. We don’t automatically deny someone a checking account if their score is not ideal because we realize that sometimes there are extenuating circumstances. We do not run a credit report for a savings account unless the customer requests an ATM card with the account.

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

Learn more about Nicolet National Bank

Member Focus Community Credit Union

Form of Verification: TeleCheck and a credit report

Email from Bank:

We use TeleCheck and we do run a credit report when opening new accounts.

Types of Accounts Offered: Personal checking and savings accounts

Learn more about Member Focus Community Credit Union

Lakes Community Credit Union

Form of Verification: TeleCheck and Experian credit report for the debit card

Types of Accounts Offered: Personal checking and savings accounts

Learn more about Lakes Community Credit Union

Communitywide Federal Credit Union

Form of Verification: Credit report

Types of Accounts Offered: Personal checking and savings account

Learn more about Communitywide Federal Credit Union

South Central Credit Union

Form of Verification: Credit report

Email from Bank:

We currently run a credit report for all new accounts.

Types of Accounts Offered: Personal checking and savings accounts

Learn more about South Central 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