Second Chance Banks in Alabama – Banks Details

woodforest bank's 2nd chance checking accountsAs you know, there is a kind of checking account named 2nd chance checking account which is for those being listed in Telecheck or ChexSystems. As a good alternative to the regular checking account, the special account can provide almost the same function as the regular one. So this convenient service is very popular. But where to find those banks offering such 2nd chance banking service?

List of Banks and Credit Unions Offering 2nd Chance Checking Accounts in Alabama

Here is a detailed list of 2nd chance banks or credit unions not use ChexSystems in AL. We also list some branch locations for you. And if you find some banks wrongly listed here, please let me know. Thanks.

Woodforest Bank(Recommended)

More Locations: Andalusia, Brewton, Enterprise, Greenville, Monroeville, Pensacola, Montgomery, Prattville, Daphne Lake Forest, Fairhope, Millbrook, Gulf Shores, Mobile
Banks and Accounts Details: Woodforest Bank is reported to offer a “Second Chance” account that requires at least $25 deposit. And the account will require for service fee every month.

Compass Bank(Recommended)

Compass Bank will verify new bank account by using TeleCheck’s report.
More Locations: Pelham Riverchase, Center Point, Eufaula, Montgomery, Auburn, Birmingham, Tuscaloosa, Fairfield
Banks and Accounts Details: BBVA Compass Bank can offer a kind of 2nd chance checking account with many features. This basic checking account is for those customers turned down for a new checking account before. If you want to apply for this kind of checking account, you are required to have a deposit of $25 at first. Then you will be charged $13.95/month for the service.

Park Community Federal Credit Union has an office in Decatur, AL. Park Community FCU’s Fresh Start account is designed to help the member get a Fresh Start on their personal finances.

Family Security Credit Union offers 2nd chance checking accounts with offices in Albertville, Athens, Gardendale, Pine Hill, Cullman, Thomasville, Mobile, Muscle Shoals, Decatur, Madison, Guntersville, Boaz, Hartselle, Moulton, Daphne, AL.

Tuscaloosa VA Federal Credit Union‘s Step – N – 2 Checking is a featured 2nd chance banking service. You can visit one of Tuscaloosa VA FCU’s offices in Northport,  Tuscaloosa and Livingston, AL to apply for the account.

Guardian Credit Union‘s fresh start checking brings its members with new opportunity to correct their past mistakes. GCU has branches in MONTGOMERY, PRATTVILLE, TALLASSEE, AL.

Alabama Telco Credit Union‘s e-checking is designed as a second chance checking to help the members rebuild their personal finance. ATCU’s membership is open to anyone who live in Jefferson, Madison, Montgomery, Baldwin, Tuscaloosa, Calhoun, Coffee, Elmore, Shelby, St. Clair, Houston, Autauga, Mobile, Pike, Geneva or Talladega, AL.

Azalea City Credit Union offers Opportunity Draft accounts with offices in Mobile and Calvert, AL. If you have Chexsystems records, it is a good option.

Bank of the Ozarks offers  Pathway Checking as 2nd Chance Checking with branches in Mobile and Geneva, AL.

Family Savings Credit Union has branch offices in St. Scottsboro, St. Rainbow City and Gadsden, AL. Family Savings CU’s fresh start checking is a good new for its members with past checking problems.

M&F Bank  offers opportunity checking with offices in Pelham, Inverness, Columbiana and Chelsea, AL.

Mutual Savings Credit Union has offices in Alexander City, Pelham, Clanton, Birmingham, Selma, Calera, AL. And MSCU offers second chance banking service too!

The Alabama Credit Union offers Fix It Checking with low minimum balance requirement.

West Alabama Bank & Trust provides its members with fresh start checking accounts and it has offices in Butler, Reform, Marion, Jasper, Carrollton, Ethelsville, Tuscaloosa,Fayette, Gordo, Livingston, Northport, Reform,  Woodstock, Aliceville, Millport, AL.

Gulf Winds Federal Credit UnionAtmore, Brewton, AL

United Bank: Atmore, Bay Minette, Monroeville, Spanish Fort, Flomaton, Foley, Frisco City, Jay, Lillian, Loxley, Magnolia Springs, Silverhill, Summerdale, AL

Other Good Banks and Credit Unions in Alabama

Sterling Bank

Website: Click Here to Access NOW
More Locations: Prattville, Montgomery
Banks and Accounts Details: The bank can also provide business or personal banking in AL.

Renasant Bank

Website: Click Here to Access NOW
More Locations: Birmingham, Decatur, Huntsville, Madison, Montgomery, Tuscaloosa
Banks and Accounts Details:

Almerica Bank

Website: Click Here to Access NOW
More Locations: Birmingham
Banks and Accounts Details: Alamerica Bank can provide you with a good experience of banking in Birmingham.

Ualley State Bank

Website: Click Here to Access NOW
More Locations: Red Bay, Russellville
Banks and Accounts Details: The Bank is an independent bank chartered, operated and owned by Alabama State.

Bank of Tuscaloosa

Website: Click Here to Access NOW
More Locations: Cottondale, Northport
Banks and Accounts Details:

Central State Bank

Website: Click Here to Access NOW
More Locations: Calera, Birmingham, Pelham
Banks and Accounts Details:

Suntrust Bank

Website: Click Here to Access NOW
More Locations: Florence, Killen, Huntsville, Muscle Shoals, Birmingham
Banks and Accounts Details: Suntrust Bank is reported to use Telecheck not ChexSystems for new account verification.

Alabama State Employees Credit Union

Website: Click Here to Access NOW
More Locations: Wetumpka, Montgomery, Millbrook
Banks and Accounts Details:

Website: Click Here to Access NOW
More Locations: Decatur
Banks and Accounts Details:

TVA Federal Credit Union

Website: Click Here to Access NOW
More Locations: Killen, Muscle Shoals, Sheffield, Athens, Florence
Banks and Accounts Details:

Website: Click Here to Access NOW
More Locations: Athens, Madison, Decatur, Guntersville, Cullman, Gardendale, Moulton, Muscle Shoals, Pine Hill, Thomasville, Mobile, Daphne
Banks and Accounts Details:

Alabama Telco Credit Union

Website: Click Here to Access NOW
More Locations: Birmingham, Chelsea, Helena, Hueytown, Pelham, Trussville, Dothan, Geneva, Madison, Mobile, Montgomery
Banks and Accounts Details:

Wiregrass Federal Credit Union

Website: Click Here to Access NOW
More Locations: Andalusia, Dothan
Banks and Accounts Details: The Credit Union is reported to not use service from ChexSystems for new account verification. And WFCU serves several county such as Dale, Houston, Covington, Coffee in AL. So, if you live one of those counties, you are well eligible for the membership of WFCU.

Related posts:

Second Chance Checking Accounts in Alabama
Family Security Credit Union Review
Free Checking Accounts and Credit Unions in Alabama

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