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

Editor's Choice

BBVA Online Checking

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

City National BankSafe Check
Corporate America Family Credit UnionFresh Start 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
UNIFY Financial Credit UnionRight Start Checking
Utilities Employees Credit UnionGreen Light Checking
Varo BankOnline Bank Account
Washington Savings BankOnline Rewards Checking
Wells FargoOpportunity Checking
West Branch Valley Federal Credit UnionBack on Track Checking


Form of Verification: Telecheck, they do NOT use chexsystems

Special Notes:


They also have second chance checking for those reported to Telecheck.

You can mail deposits in to be processed. Univest participates in the AllPoint Network which is a surcharge free ATM system.

Email from Bank:

To verify information provided when opening a new account Univest utilizes TeleCheck and Equifax.

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

Dollar Bank

Form of Verification: Chexsystems

Special Notes:

It has been reported that as long as your Chexsystems report is paid and does not indicate fraud that they will open an account for you. It has now been reported to me by a few other people that Dollar bank is allowing those on chexsystems to get accounts There are still some that are denied ..I believe the severity of the account may be a factor.

Email from Bank:

I would suggest that you apply for an account and we can then verify the reason you are in chexsystems and determine whether or not we can open the account.

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

Learn more about Dollar Bank

Greater Pittsburgh Federal Credit Union

Email from Bank:

We use credit reports and coast to coast services.

Types of Accounts Offered: Personal checking and savings

Learn more about Greater Pittsburgh Federal Credit Union

1st Summit Bank

Form of Verification: Credit report

Special Notes:

Email from person that got an account: I was able to open an account at 1st Summit bank.

Email from Bank:

We are not a part of Chexsystems. We use credit reports. 1ST SUMMIT BANK will make a decision on an individual basis. A credit score does not always tell the whole story

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

Learn more about 1st Summit Bank

Cornerstone Federal Credit Union

Form of Verification: Credit report

Special Notes:

Person that got an account: I ended up getting an account with cornerstone federal credit union, they give you a second chance. They just limit how much you can take out of the atm machine until you have had the account 3 months but so far so good.

Email from Bank:

We look at your credit report for identity verification. We do not verify your checking accounts with other financial institutions with any of the check verification system. Your limit on your debit card would be based on your credit report.

Types of Accounts Offered: Personal checking and savings

Learn more about Cornerstone 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