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

Editor's Choice

BBVA Online Checking

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

Bank of the WestFresh Start
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
Varo BankOnline Bank Account

Gate City Bank

Form of Verification: Choice Point

Special Notes:

They are not using ChexSystems at all and will approve anyone. It has been reported that as long as you do now them any money that they will approve you. Anyone living in the state of ND can get an account here.

Email from person that got an account - Wanted to let you know that Gate City Bank in North Dakota and Minnesota have opened the doors wide open. They used to be a strict ChexSystems institution, but recently they dropped their affiliation with ChexSystems and are accepting anyone. Of course it is preferred that you be a Minnesota or North Dakota resident (although I know of no policy where they would not open an account to someone from another state). All they did was run our drivers license and Social Security numbers through their system and we were approved just like that!! I'm sure the typical advice would apply. You must not owe Gate City any money.

Email from Bank:

In response to your message, we use a program called ChoicePoint to verify new account customers.

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

Learn more about Gate City Bank

Dakota Community Bank & Trust

Email from Bank:

We do pull credit for all new accounts. A lot depends on what the credit report has on it, not all is based on the score. We look to make sure that you haven’t abused a financial institution in the past and how responsible you are about keeping up with the payments on the current bills you have. It really is a case by case situation. If you don’t quality for a checking account you may qualify for a savings account, and we may be able to revaluate your situation 6 months down the road. Like I said it really is case by case.

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

Learn more about Dakota Community Bank & Trust

Town and Country Credit Union

Form of Verification: Credit report

Email from Bank:

We verify all new accounts with a credit report. If the score is less than 600 the employee opening the account for you may ask for approval from a supervisor. Depending on what is on the credit report a savings or checking account may be opened if approved

Learn more about Town and Country Credit Union

Capital Credit Union

Form of Verification: Credit report and ID

Email from Bank:

When we open a new account we require a savings account with a balance of $25.00, and to start the checking we require a deposit of at least $25.00.

Anyone can qualify for the savings account, and to open the checking account we will pull a credit report. The credit score needs to be at least 600 to open the checking account.

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

Learn more about Capital Credit Union

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.

Email From person that was approved there - Hello. Just wanted to let you know that you can add US Bank in North Dakota and Minnesota to your list of lenient banks. I went into the South University Drive branch in Fargo today and spoke with Megan, one of the customer service representatives. I have a previous ChexSystems listing resulting from a horrible experience with Wells Fargo (that's for another story). That listing must be over 2 1/2 years old, because I was declined when I applied on US Bank's website - it said the turn down was based on my consumer report (credit file) with TransUnion.

When I went into the branch, Megan keyed in my identifying information into the computer (drivers license, social security number, etc.) and I was approved for a Gold Package. Megan explained that at the branch level they don't check credit reports, they only check ChexSystems listings. Even then, from what I gathered, US Bank really is only concerned about any ChexSystems listings that involve fraud, check kiting, etc. Though I'm sure each individual's situation is considered on a case-by-case basis, my accounts were approved.

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

Learn more about U.S. Bank

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