Here is a free list of good banks and credit unions in Arizona for those who want to get a checking account but with a history of poor credit or bad banking issues. All of the institutions mentioned can either provide 2nd chance checking or do not use ChexSystems.
What’s 2nd chance checking? It is a special kind of checking accounts with the same functions of a regular checking account. The only different is that the special account require a higher fee generally.
List of Banks and Credit Unions Offering 2nd Chance Checking Accounts in AZ
Of course, you can also choose to apply for new bank accounts at those non ChexSystems credit unions or banks. But We can not guarantee that you’ll get approved certainly. So, you can try more alternatives.
Bank of Arizona
Branches in AZ: Phoenix, Scottsdale, Mesa, Tucson
Banks and Accounts Details: The bank can provide a kind of 2nd chance checking account which can be converted to a regular account, if you have used it more than 1 year.
Compass Bank(Using TeleCheck)
Banks and Accounts Details: Note that: you can apply for a regular account of Compass Bank successfully if you have not been reported to Early Warning Services. Of course, you can apply for its 2nd chance checking account too.
Branches in AZ: Surprise, Glendale, Phoenix, Sun City West, Peoria,
AEA Federal Credit Union has branch offices in Parker, Somerton, Yuma, Arizona. And AEA FCU is reported to offer 2nd chance checking. But I can’t find any more details at its website.
Canyon State Credit Union‘s second chance checking is a smart solution for the member to rebuild a positive history of personal money management. Canyon State CU has five offices in Phoenix and Goodyear, AZ.
Pima Federal Credit Union‘s fresh start checking is well designed with a low monthly fee of $10 and the privilege of unlimited check writing. Prma FCU has branches in Springerville and Tucson, AZ.
Tru West Credit Union serves its members who have previous checking problems with opportunity checking account. The credit union has branches in Scottsdale, Chandler, Mesa, Gilbert, Tempe, Phoenix, AZ.
Tucson Federal Credit Union has several branch offices in Tucson, Sahuarita, Marana, AZ. TFCU’s second chance checking comes with Free Visa Instachek Debit Card, Free Online Banking with Bill Pay and free Online Statements.
Alhambra Credit Union has two offices in Litchfield Park and Phoenix Az. And ACU’s fresh start checking is a smart solution especially for those members who have been reported to Chexsystems.
Banner Federal Credit Union offers fresh start checking with offices in Glendale, Phoenix, Mesa, AZ.
Bashas Associates Federal Credit Union has offices in both Phoenix and Tempe, AZ. Bashas Associates FCU’s New Start Account comes with Savings Overdraft Option, eStatements and ATM Cash Card.
Marisol Federal Credit Union also has several branches in Phoenix and Tempe, AZ. And Marisol FCU’s basic will help its members to rebuild a positive history of credit in a low-cost way.
Tucson Old Pueblo Credit Union – Tucson, AZ
Other Good Banks and Credit Unions in Arizona
Banks and Accounts Details:
Branches in AZ: Scottsdale, Glendale,
Armed Forces Bank
Banks and Accounts Details: The Bank can serve customers of military and civilian. And it is reported that it can even serve person with a bad ChexSystems record.
Branches in AZ: Fort Huachuca, Luke AFB, Yuma MCAS,
Banks and Accounts Details: Some branches of this bank do not use ChexSystems. But we are not sure that which one does.
Branches in AZ: Phoenix, Peoria, Chandler, Mesa, Tempe,
Banks and Accounts Details: U.S. Bank helps you bank smarter with many services such as Online Banking, Bill Pay, Student Loans, Savings Accounts, Bank Loans, Checking Accounts.
Branches in AZ: Little Rock, Malvern, Bryant,
1st Convenience Bank
Banks and Accounts Details:
Branches in AZ: Killeen, Surprise, Scottsdale, Phoenix, Mesa, Goodyear, Chandler