Second Chance Banks in Arkansas – Banks Details

Liberty Bank of ArkansasFor those who have been reported to ChexSystems or Telecheck, there is a special kind of bank account designed as a useful alternative to the regular checking accounts. That is 2nd chance checking account.This kind of accounts can provide consumers with a good opportunity to get benefits from bank accounts. But you should know that you will not have the same privileges of a regular account.

And you’ll be charged more fees for the special service. Even so, it is still a good idea for those person who have been list in ChexSystems.

In fact, if you don’t like 2nd chance banking, you can also choose to try these non ChexSystems banks mentioned as below. And it will help you save a lot too.

List of Second Chance Banks and Credit Unions in Arkansas

Bank of Arkansas
Branch Locations List: Fayetteville, Bentonville,
Banks and Accounts Details: The bank will use reports from ChexSystems for new account verification. Fortunately, it can also provide second chance checking account.

Arvest Bank
Branch Locations List: Bentonville,
Banks and Accounts Details: The bank operates nine community banks in several states including Arkansas. It is reported that the bank will review consumers’ negative ChexSystems in details, then decide to approve or deny their application.

Diamond Bank
Branch Locations List: Murfreesboro, Mineral Springs, Nashville, Hope, Dierks, DeQueen, Glenwood, Mt Ida, Mena, Hot Springs,
Banks and Accounts Details: The bank can also offer a kind of 2nd chance checking accounts.

Liberty Bank of ArkansasThe bank is reported to use ChexSystems. Fortunately, it can also offer a kind of second chance checking accounts.

Focus Bank offers Fresh Start Checking with its offices in Paragould, Jonesboro, Marmaduke, AR.

Western Federal Credit Union has several branches in Rogers, Springdale, Siloam Springs, Bentonville, Fayetteville, AR. And WFCU’s Right Start Checking provides its members with a fresh start to rebuild personal finance.

First Community Bank of Crawford County offers fresh start checking as a 2nd chance banking solution with offices in Alma and Van Buren, AR.

Fairfield Federal Credit Union provides its member with second chance checking accounts. And if you have a negative history with ChexSystems, it is a good option. The credit union mainly serves in Pine Bluff, AR.

River Valley Community Federal Credit Union has two offices in ElDorado and Camden, AR. River Valley Community FCU’s 2nd chance checking comes with low opening deposit and monthly service fee.

Hope Community Credit UnionCollege Station, Memphis, AR

Centennial Bank: Conway, AR

US Bank

Branch Locations List: Mountain Home, Greers Ferry, Flippin, Summit, Quitman, Conway, Morrilton, Jacksonville, Sherwood, North Little Rock, Maumelle,
Banks and Accounts Details: US Bank is reported to offer service of Second Chance Checking. The bank will provide you with a new bank account for at least $25 even if you have been listed in Telecheck or Chex Systems. But you’d better be sure that there is no FRAUD activities in the Chex Systems report.

Other Good Banks and Credit Unions in AR

Bank of the Ozarks

Branch Locations List: Bella Vista, Clinton, Van Buren, Sherwood, Mountain Home, Alma, Lonoke, Benton, Harrison, Cabot, Yellville, Altus, Conway, Bentonville, Clarksville, Fayetteville, Fort Smith, Harrison, Marshall, Paris, Russellville, Springdale, Texarkana, Rogers, Western Grove, Ozark, Mulberry, Hot Springs, Conway,
Banks and Accounts Details: Some branches of this bank will not use negative ChexSystems reports. But you have to try.

Arkansas National Bank

Branch Locations List: Little Rock, Maumelle, North Little Rock, Conway, Sherwood,
Banks and Accounts Details: It is a local bank serving Arkansas areas.

BOK Financial

Branch Locations List: Bentonville, Fayetteville,
Banks and Accounts Details: BOKF is a top regional financial company with assets of more than $26 billion. It also owns and operates seven banking divisions including Bank of Arkansas, Colorado State Bank and Trust, Bank of Texas, Bank of Albuquerque, Bank of Oklahoma, Bank of Arizona and Bank of Kansas City.

Southern Bancorp

Branch Locations List: Barton, Helena, Hot Springs, Elaine, Marvell, Arkadelphia,
Banks and Accounts Details: The bank is also reported to not use ChexSystems for new account verifications. If you want to apply for new account in this bank, you’d better prepare your SSN and ID card.

Decatur State Bank

Branch Locations List: Siloam Springs, Gentry, Decatur,
Banks and Accounts Details: The bank is also a locally operated bank which have two sub-banks: Gentry Bank and Bank of Siloam Springs.

Bank Of America

Branch Locations List: Fayetteville, Batesville, Bentonville, Little Rock, Conway, Hot Springs Village, Russellville, North Little Rock, Springdale, Jacksonville, Jonesboro, Hot Springs National Park, Fayetteville, Mountain Home, Harrison, Pine Bluff, Rogers, Jonesboro, Fayetteville,
Banks and Accounts Details: Some branches of this bank, including Hot Springs branch, are reported to not use ChexSystems while verifying new bank accounts.

First Service Bank

Branch Locations List: Clinton, Dermott, Flippin, Greenbrier, Marshall, Mountain View, Shirley, Yellville

Hope Community Credit Union

Branch Locations List: West Memphis, College Station,
Banks and Accounts Details: The credit union can provide you with a special kind of account(Easy Checking) for those who have a bad history of credit.

United Arkansas Federal Credit Union

Branch Locations List: Little Rock,
Banks and Accounts Details: It is reported that the FCU does not use any service from ChexSystems.

Related posts:

Business Checking Accounts and Banks in Arkansas
Free Checking Accounts and Banks in Arkansas
Credit Unions in Arkansas

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