The Best Banks & Credit Unions in Rhode Island 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 Rhode Island 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 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.

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 Rhode Island 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.

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
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
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