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

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 Pennsylvania 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 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.

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 Pennsylvania 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.

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
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
  • Univest
    Form of Verification:

    Telecheck, they do NOT use chexsystems

    Special Notes

    DOES NOT USE CHEXSYSTEMS

    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