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

Editor's Choice

BBVA Online Checking

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

Clearwater Credit UnionSmartSpend Checking
Go BankMobile Banking
GTE FinancialGo Further Checking
Navy Federal Credit UnionFree eChecking
Peoples Cash SolutionsSecond Chance Checking
Radius BankEssential Checking
SoFi MoneyCash Management Account
US BankSafe Debit Account
Valley Credit UnionOpportunity Checking
Varo BankOnline Bank Account

Garfield County Bank

Form of Verification: ID and SS card

Email from Bank:

We need an proper ID and social security card to verify your identity.

Types of Accounts Offered: Personal checking and savings

Learn more about Garfield County Bank

Native American Bank

Form of Verification: telecheck

Email from Bank:

We use telecheck and a credit report

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

Learn more about Native American Bank

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 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

Gateway Community Federal Credit Union

Form of Verification: Credit report

Email from Bank:

We verify our new accounts through a credit report.

Types of Accounts Offered: Personal checking and savings accounts

Learn more about Gateway Community Federal Credit Union

Missoula Federal Credit Union

Form of Verification: ID

Email from Bank:

As of this time, we do not do any background checking on potential members.

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

Learn more about Missoula Federal Credit Union

Banks and Credit Unions That Offer Second Chance Banking by State

ArkansasMassachusettsRhode Island
CaliforniaMichiganSouth Carolina
ColoradoMinnesotaSouth Dakota
District of ColumbiaMontanaUtah
HawaiiNew HampshireWashington
IdahoNew JerseyWest Virginia
IllinoisNew MexicoWisconsin
IndianaNew YorkWyoming
IowaNorth Carolina
KansasNorth Dakota