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

Editor's Choice

BBVA Online Checking

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

American United Federal Credit UnionFresh Start Checking
Bank of the WestFresh Start
Cyprus 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
US BankSafe Debit Account
Varo BankOnline Bank Account
Washington Savings BankOnline Rewards Checking
Wells FargoOpportunity Checking

Grantsville Federal Credit Union

Form of Verification: Experian credit report

Types of Accounts Offered: Personal checking and savings

Learn more about Grantsville Federal Credit Union

Zions First National Bank

Form of Verification: ChexSystems

Email from Bank:

Thank you for contacting Zions Bank. We offer what we call a Fresh Start Checking account. This account is for individuals whose accounts have been closed and charged off by Zions Bank or another financial institution. This account is not available if the closure was due to fraud (such as check kiting) or Check Card abuse.

If you have one report on file, the new account will need to be approved by the branch manager. If there are two or more the approval would then come through one of our regional managers. The request for the approval will need to be accompanied by a& letter from the reporting institution stating that all debts have been paid. Once we get that approval we would then open up a fresh start checking account which is analyzed for the first year and comes with a $7/month fee to do that analysis. After the year is up, if everything is in order, then we can change the account to the basic checking account for you to use as normal. We also offer a secured Visa Card if you are looking to build up your credit.

Online Banking is available for the account as well as an ATM card. A Visa Check Card is not available with this account.

Types of Accounts Offered: Second chance checking

Learn more about Zions First National Bank

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 checking...as 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

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

Learn more about U.S. Bank

Bank of the West

Form of Verification: ChexSystems

Special Notes:

The manager told me its called "Fresh Start". Your last entry into ChexSystems must be older than one year. Cannot say Fraud. $10 a month.

Types of Accounts Offered: Second chance checking

Learn more about Bank of the West

American United Federal Credit Union

Form of Verification: ChexSystems

Email from Bank:

We do use it to open new savings and checking accounts. However, we do not use to solely to make a determination as to whether we will open the account. If there is a problem that shows up through those systems, we usually take time to speak with the individual and get their explanation.

At that point, we'll either move forward opening the services, possibly limit the services for a period of time (i.e. check cashing) or only open a savings for a period of time and gradually add other services. I tell people to just be open with the new accounts person and what your needs are.

Types of Accounts Offered: Personal savings and checking

Learn more about American United Federal Credit Union

Jordan Federal Credit Union

Form of Verification: ChexSystems

Special Notes:

For best results debt should be paid and fraud should not be indicated on the report.

Email from Bank:

If there is just one item reported to ChexSystems and it is paid, we can open the account. If there are two, we can open the account with some restrictions. If there are three reporting incidents we will not be able to open the account for you.

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

Learn more about Jordan Federal Credit Union

Utah First Federal Credit Union

Form of Verification: ChexSystems

Email from Bank:

There are a few other membership qualifying factors, the ChexSystems alone would not disqualify you for membership and opening an account.

Types of Accounts Offered: Savings, possibly checking

Learn more about Utah First Federal Credit Union

Box Elder County Federal Credit Union

Form of Verification: Credit report

Email from Bank:

We pull credit when opening a new account.

A savings account can be opened regardless of the credit score, but you must have a score of 620 or higher to open a checking account.

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

Learn more about Box Elder County Federal Credit Union

Bank of the West

Form of Verification: ChexSystems

Special Notes:

The manager told me its called "Fresh Start". Your last entry into ChexSystems must be older than one year. Cannot say Fraud. $10 a month.

Types of Accounts Offered: Second chance checking

Learn more about Bank of the West

American United Federal Credit Union

Form of Verification: ChexSystems

Email from Bank:

We do use it to open new savings and checking accounts. However, we do not use to solely to make a determination as to whether we will open the account. If there is a problem that shows up through those systems, we usually take time to speak with the individual and get their explanation.

At that point, we'll either move forward opening the services, possibly limit the services for a period of time (i.e. check cashing) or only open a savings for a period of time and gradually add other services. I tell people to just be open with the new accounts person and what your needs are.

Types of Accounts Offered: Personal savings and checking

Learn more about American United Federal Credit Union

Jordan Federal Credit Union

Form of Verification: ChexSystems

Special Notes:

For best results debt should be paid and fraud should not be indicated on the report.

Email from Bank:

If there is just one item reported to ChexSystems and it is paid, we can open the account. If there are two, we can open the account with some restrictions. If there are three reporting incidents we will not be able to open the account for you.

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

Learn more about Jordan Federal Credit Union

Utah First Federal Credit Union

Form of Verification: ChexSystems

Email from Bank:

There are a few other membership qualifying factors, the ChexSystems alone would not disqualify you for membership and opening an account.

Types of Accounts Offered: Savings possibly checking

Learn more about Utah First Federal Credit Union

Box Elder County Federal Credit Union

Form of Verification: Credit report

Email from Bank:

We pull credit when opening a new account.

A savings account can be opened regardless of the credit score, but you must have a score of 620 or higher to open a checking account.

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

Learn more about Box Elder County Federal Credit Union

Weber State Federal Credit Union

Form of Verification: ChexSystems

Email from Bank:

We'd have to look at the report from ChexSystems, but we can usually open a savings for you even if you're on the ChexSystems.

Types of Accounts Offered: Savings, possibly checking

Learn more about Weber State Federal Credit Union

Nebo Credit Union

Form of Verification: ChexSystems

Email from Bank:

We do use ChexSystems when opening new accounts, and we also pull credit reports. Having a negative item in ChexSystems, or on a credit report does not preclude you from having an account; we may still be able to provide one, however, with some restrictions. We handle opening accounts on a case by case basis, so we may or may not be able to provide you with an account depending on your ChexSystems history, and credit history.

Types of Accounts Offered: Personal checking and savings

Learn more about Nebo Credit Union

Grand County Credit Union

Form of Verification: Proper ID

Special Notes:

I called and verified that they do not use ChexSystems or a credit report to open an account there.

Types of Accounts Offered: Personal checking and savings accounts

Learn more about Grand County Credit Union

Grantsville Federal Credit Union

Form of Verification: Credit report

Special Notes:

They do not use ChexSystems but they do run a credit report and they are looking at the overall credit not for a score.

Types of Accounts Offered: Personal checking and savings accounts

Learn more about Grantsville Federal Credit Union

Utah Community Federal Credit Union

Form of Verification: ChexSystems

Special Notes:

Anyone can get a savings if they are eligible for membership but for a checking , they will run ChexSystems.

Email from Bank:

When opening a new savings account we will request a credit report for review before we will open the account. When opening a new checking account both a credit report as well as a ChexSystems report will be reviewed.

Types of Accounts Offered: Savings only, if reported to ChexSystems

Learn more about Utah Community Federal Credit Union

America First Federal Credit Union

Form of Verification: Credit report

Special Notes:

I talked to a representative and they do run a credit report, not ChexSystems.

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

Learn more about America First Federal Credit Union

Security Service Federal Credit Union

Form of Verification: ChexSystems

Special Notes:

People have reported that they will still allow an account to be opened even when reported to ChexSystems.

Email from Bank:

Thank you for your e-mail and interest in SSFCU products. It is possible to be approved for a checking account with us even if another financial institution may have reported an incident to ChexSystems. To determine for certain if you qualify for one of our checking products, please feel free to apply for membership by visiting your nearest branch, or by calling 866-210-6093.

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

Learn more about Security Service Federal 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