Second Chance Banks in California – Banks Details

BBVA-Compass-BankIf you failed to get a new bank account because of your ChexSystems reports, here is a special kind of bank account named 2nd chance checking that can be used as a useful alternative.

This kind of accounts can provide you with a good opportunity of getting benefits from bank accounts. And, if you don’t like 2nd chance banking, you can also choose to try non ChexSystems banks.

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

Compass Bank(Using Early Warning Services), you can access the bank at The bank can offer 2nd chance checking accounts.
Allied Credit Union offers fresh start checking with offices in Sunnyvale, San Jose and Fremont, CA.

CD Federal Credit Union‘s second chance checking with monthly fee of $10 and no minimum balance requirement. CD Federal CU has branches in Redondo Beach,  Los Angeles, San Diego, Oakland, Santa Ana and San Bruno, CA.

Central State Credit Union has offices in Lodi, Stockton and San Andreas, CA. And Central State CU’s fresh start checking is designed with monthly fee of $15 to re-establish the checking account history of its members.

Energy One Federal Credit Union‘s second chance checking account is designed with low monthly fee of $9.95 and Unlimited check writing. It hs branches in Bakersfield and Los Angeles, California .

Foothill Federal Credit Union‘s Rebound Checking comes Free e-statements,  Free online bill pay and Free Mastercard debit card for those members who have difficulty in opening new checking accounts.  FFCU has offices in Glendora,  Arcadia and Covina, CA.

Kern Federal Credit Union‘s fresh start checking comes with no minimum balance requirement but requires a monthly fee of $20 and an opening deposit of $25. KFCU has two offices in Bakersfield, CA.

Los Angeles Federal Credit Union also provides its member who have negative “ChexSystem” reports with 2nd chance checking acocunts. Los Angeles FCU has offices in San Fernando, Los Angeles, Glendale, Culver City,  and El Monte, CA.

Mid Cities Financial Credit UnionCompton, CA

Alta Vista Credit UnionRedlands, San Bernardino, Rialto, CA

CoastHills Federal Credit UnionLompoc, Vandenberg Village, Orcutt, Santa Maria, Nipomo, Five Cities, San Luis Obispo, Paso Robles, Atascadero, CA

Heritage Community Credit Union: Folsom, Mather, Rancho Cordova, Mather, Sacramento, Fair Oaks, CA

Southland Credit UnionDowney, Los Alamitos, Garden Grove, Santa Monica, CA

Premier America Credit UnionChatsworth, Santa Monica, Simi Valley, Thousand Oaks, Valencia, Woodland Hills, Westlake Village, Woodland Hills, Houston, CA

Ventura County Credit UnionVentura, Port Hueneme, Oxnard, Camarillo, Thousand Oaks, Simi Valley, CA

Western Federal Credit UnionCamarillo, Santa Ana, Carson, Oxnard, Hawthorne, Temecula, Huntington Beach, San Bruno, Irvine, San Diego,Los Angeles, Oakland, Redondo Beach, Torrance, CA

Alliance Credit Union: San Jose, Fremont, Sunnyvale, CA

Allied Healthcare Federal Credit UnionLong Beach, Lynwood, Irvine, CA

E-Central Credit UnionPasadena, Los Angeles, CA

Farmers Insurance Group Federal Credit UnionWoodland Hills, Pleasanton, Merced, Los Angeles, Agoura Hills, CA

Financial Partners Credit UnionAliso Viejo, Brea, Canoga Park, Downey, Huntington Beach, Orange, Seal Beach, Woodland Hills, CA

Kaiperm North Bay Federal Credit UnionVallejo, CA

Keypoint Credit UnionSanta Clara, Cupertino, Dublin, Goleta, Milpitas, Santa Clara, Sunnyvale

Priority One Credit UnionSouth Pasadena, Los Angeles

OneUnited Bank: Los Angeles, Pasadena, Compton, CA

American United Credit Union: Cabazon, CA

Other Good Credit Unions and Banks in California

Bank Of The West, Its site is And the bank do not use ChexSystems. It has more than 700 branches which can serve in all states of USA.

You can visit Summit National Bank on And the bank have some branches in CA do not use Chex.

US Bank‘s site: is It is reported that several branches of this Bank can open a 2nd chance checking account for you if you are not reported by their own banks.

Broadway Federal Bank: its website is
The bank has several branches in Los Angeles which can offer savings-only accounts if all of debt in your ChexSystems reports has been paid off.

Fort Sill National Bank‘s site is And this bank has some branches in Oceanside and San Diego which are reported to not use any service from ChexSystems

Capital Bank of North County will use Telecheck for new account verification.

You can reach First Bank & Trust at It is said the bank will overlook any negative in the ChexSystems report.

California Bank & Trust‘s website is If you have paid off all of your incidents, the bank will offer you a new bank account.

Union Bank of California‘s web site is This bank can offer a savings account with which you can use EFT or Paypal.

Armed Forces Bank‘s website is Note that the bank can serve both civilian customers and military even with negative ChexSystems record.

Bank of America‘s site is And it is reported to offer bank accounts without considering ChexSystems reports now. But I’m not sure.

Bank Of Santa Clara can open accounts for those who have paid off all of their incident.

Some branches of Safeway Select Bank in Gilroy, Modesto and San Jose do not use chexsystem.

8 Responses to Second Chance Banks in California – Banks Details

  1. Paul Randy says:

    California Bank & Trust and Premier America Credit Union both use Chexsystems. I was turned down by both.

  2. meka says:

    B of A approved me and I’m in the chexsystem…

  3. compass closed me on early warning as did chase and bank of america for some one else writing me a bad check in other words i unknowingly accepted a bad check

  4. Jinny says:

    compass bbva had approved my 2nd chance checking, and at that time my mobile phone was hacked so therefore the hackers got all my info. I advised the bank my situation they in return closed my account, and denied me any further actions with them.

  5. Mary says:

    Union bank laughs at you no help at all.

  6. bella says:

    bank of the west does use chex system

  7. Dj says:

    Bank of the West does use Chexsystems and they check your Experian credit score.

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