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A few banks in Missouri offer Second Chance Checking
Account Programs
, which means they will open an account
for you even if you are on Chexsystems as long as any
money owed has already been paid.
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    Banks have other names for these Second Chance Banking
    programs such as Opportunity Checking or Fresh Start
    Checking. To open a checking account through one of these
    bank programs, you usually have to apply in person and, in
    many cases, the bank requires that you take a class on how
    to balance your checking account to avoid overdrawing your
    new account. Other second chance banking requirements
    often include enrollment in overdraft protection and
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    St Louis Community Credit Union offers a Second Chance
    Checking Account called Freedom Checking.  Account holders
    have limited access to certain services, including no ATM in
    Community Credit Union's Bronze, Silver or Gold checking
    accounts. The Saint Louis Community Credit Union has
    branches in St. Louis, Dellwood, Richmond Heights,
    Florissant, Jennings, University City, and Wellston, Missouri.
    Banks with Second Chance Checking Accounts in Missouri
    If you don't have the money available to pay off your old,
    overdrawn bank accounts, even banks specifically offering
    second chance checking might not let you open a bank
    account. Even if you pay off your old bank account, you still
    have to make sure the bank sends a letter to Chexsystems
    Your Chexsystem record stays on file for 5 years unless the
    information Chexsystem's has is inaccurate and you file a
    dispute. Second Chance Checking Kansas City Missouri and
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    A List of Second Chance Banks in Missouri
    Banks for people who have overdrawn a bank account in the past
    are different from banks that do not use Chexsystems. The banks
    on the list of Second Chance Banks in Missouri do not use
    Chexsystems.  There are many banks with branches throughout
    the state, including Saint Louis, Columbia, Kansas City, Lees
    Summit, Chesterfield, Cape Girardeau, O Fallon, Clayton and
    Springfield, MO as well as many others.  You can open an online
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    The best checking accounts you can open online with no credit
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  • BBVA Compass Bank - Open a checking account online with No monthly fees, no maintenance, withdrawal, transfer or ATM fees, including most cash withdrawal fees charged by other banks ATMs. Free checks. $25 opening deposit. BBVA Compass Bank has hundreds of local branches nationwide. A List of Banks in Missouri with Second Chance Checking Accounts
  • Discover Bank - Open a Discover Bank savings account online instantly and earn a rate 5x the National Savings Average with a low opening deposit and access to your cash anytime. Discover Bank is currently offering a $50 bonus if you also open a checking account. To open a Discover Bank checking account, you have to open either a Discover Savings account or credit card. You have 30 days to make a deposit at a local branch or by setting up direct deposit. You can also make your opening deposit by mail.. 2nd Chance Banks in Missouri with no opening deposit
  • USAA Bank - Open a totally free checking account online with Free ATMs nationwide. USAA Bank will refund most fees for withdrawing money from another bank. You can make mobile deposits or deposit checks at any UPS store nationwide. . Second chance Banks in Missouri
A List of Second Chance Banks in Kansas City
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    TeleCheck is another check guarantee service
    provider that TeleCheck provides merchants
    with information concerning your check writing
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    then makes a decision to accept or deny your
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