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

Editor's Choice

BBVA Online Checking

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

Go BankMobile Banking
GTE FinancialGo Further Checking
Navy Federal Credit UnionFree eChecking
Peoples Cash SolutionsSecond Chance Checking
Radius BankEssential Checking
SoFi MoneyCash Management Account
Varo BankOnline Bank Account
Washington Savings BankOnline Rewards Checking
Webster BankOpportunity Package

Webster Bank

Form of Verification: ChexSystems

Special Notes:

Second chance checking… they have an account and it comes with a VISA debit card.

It cost $16.95 a month or $11.95 with Direct deposit.

Types of Accounts Offered: Second chance checking

Learn more about Webster Bank

Rockland Trust

Form of Verification: ChexSystems

Special Notes:

As long as the debt is paid and the report does not show fraud, they will open an account.

Email from Bank:

You may apply for a Rockland Trust checking / savings account at any time. If you have proof of payment you may want to bring it with you when you apply for your account. At the time of the account opening we will run your information through ChexSystems again and should see that the debt has been paid.

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

Learn more about Rockland Trust

Westerly Community Credit Union

Form of Verification: ChexSystems

Email from Bank:

We would have to pull it to see what it says. If you want to open a checking account, it would be a second chance checking which charges a $10 monthly fee.

Types of Accounts Offered: Second chance checking

Learn more about Westerly Community Credit Union

Rhode Island Credit Union

Form of Verification: ChexSystems

Special Notes:

Debt must be paid and fraud can not be indicated on the ChexSystems report.

Email from Bank:

I called the bank and they will approve those reported to ChexSystems if the report is paid and no fraud.

Types of Accounts Offered: Personal checking and savings accounts

Learn more about Rhode Island Credit Union

Banks and Credit Unions That Offer Second Chance Banking by State

AlabamaLouisianaOklahoma
AlaskaMaineOregon
ArizonaMarylandPennsylvania
ArkansasMassachusettsRhode Island
CaliforniaMichiganSouth Carolina
ColoradoMinnesotaSouth Dakota
ConnecticutMississippiTennessee
DelawareMissouriTexas
District of ColumbiaMontanaUtah
FloridaNebraskaVermont
GeorgiaNevadaVirginia
HawaiiNew HampshireWashington
IdahoNew JerseyWest Virginia
IllinoisNew MexicoWisconsin
IndianaNew YorkWyoming
IowaNorth Carolina
KansasNorth Dakota
KentuckyOhio