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

  • Daniel Weiss Daniel Weiss
  • July 19, 2021

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 New Jersey 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 Online Checking

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

Atlantic Federal Credit Union Second Chance Checking

Credit Union of New Jersey Right Turn Checking

Jersey Shore Federal Credit Union Fresh Start Checking

Atlantic Federal Credit Union Second Chance Checking

Credit Union of New Jersey Right Turn Checking

Jersey Shore Federal Credit Union Fresh Start Checking

  • South Jersey Federal Credit Union
    Form of Verification:

    ID

    Special Notes

    In order to open a checking, you must have a membership and a savings with 25.00 in it that can not be removed. The 25.00 is only refunded when the account is closed.

    Email from Bank:

    We do not use any of these.

    Types of Accounts Offered:

    Personal checking and savings

    Learn more about South Jersey Federal Credit Union
  • The Pennsville National Bank
    Form of Verification:

    ID

    Special Notes

    Email from person that got an account: Thank you so much for your information. I just wanted to let you know we were able to get a checking account with debit cards from Pennsville National Bank in Woodstown, New Jersey. We have been reported to EWS and Chexsystems. The bank only required two forms of identification. They were a very nice bank to deal with, the employees were very personable and professional. Thank you so much for your help.

    Email from Bank:

    We do not verify checking or savings accounts using an outsourced system. We just verify your identity, not your credit history.

    Types of Accounts Offered:

    Personal checking, savings, and business accounts

    Learn more about The Pennsville National Bank
  • United Teletech Financial Federal Credit Union
    Form of Verification:

    ChexSystems

    Special Notes

    If chexsystems is paid and does not show fraud you can get an account, if not then they offer Fresh Start Checking

    Email from Bank:

    We do offer ‘fresh start’ checking accounts now…I would apply for one and see what we could do for you. Either way, we very well could have a product that should fit your needs.

    Types of Accounts Offered:

    Second chance checking

    Learn more about United Teletech Financial Federal Credit Union
  • Woodforest National Bank
    Form of Verification:

    Crossview and ID

    Email from Bank:

    We use Cross View which is affiliated with Experian

    Types of Accounts Offered:

    Personal checking, savings and business accounts

    Learn more about Woodforest National Bank
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