Second Chance Banks in Florida – Banks Details

Urban Trust BankAre you looking for fresh start to rebuild your history of checking relationship? And here is a listing about the second chance banks and credit unions offering 2nd chance banking services in FL. As you know, the post should be updated once the bank changed their products or options. So, If you find there is some mistake, please make a comment here. Thanks.

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

Urban Trust Bank‘s website is  Headquartered in Central Florida, the bank has about 50 branches and offers a kind of special banking service called Opportunity checking account which is designed for those customers who have some checking issues in the past to get a fresh start.

1st National Bank of South Florida has offices in Princeton, Homestead, Palmetto Bay, Miami, Homestead, FL. And The bank’s New Opportunity Checking is right for those customers who have been reported to Chex Systems.

Members First Credit Union of Florida‘s Second Chance Checking will help you if you have left some mark on the Chexsystems. The credit union has five offices in Pensacola and Pace, FL. 

Community First Credit Union of Florida‘s fresh start checking comes with many features including monthly service fee of $10, opening deposit of $25, Free Online Bill Pay, Free Online Banking and Unlimited check writing privilege. The credit union has several branches in Mims and Titusville, FL.

Atlantic Coast BankJacksonville Beach,  FL

Center State BankAlachua, Citrus, Duval, Hendry, Hernando, Hillsborough, Indian River, Lake, Marion, Okeechobee, Orange, Osceola, Pasco, Polk, Putnam, Seminole, St. Lucie, Sumter, Volusia, FL

Central Credit Union of FloridaPensacola, Panama City, FL

Central Florida Postal Credit Union

City Credit UnionFort Lauderdale, Margate, Sunrise, Plantation, Pembroke Pines, Wilton Manors, FL

Compass Financial Federal Credit Union: Medley, Florida

First Florida Credit UnionJacksonville, St Johns, Tallahassee, Tallahassee, Orlando, Pembroke Park, Miami, FL

Gold Coast Federal Credit UnionWest Palm Beach, Royal Palm Beach, Belle Glade, St. Lucie, Boynton Beach, Palm Beach Gardens, FL

Republic BankHudson, Palm Harbor, Port Richey, Temple Terrace, FL

Liberty Savings Banks

Gulf Winds Federal Credit UnionPensacola, Crawfordville, Gulf Breeze, Milton, Pensacola, Tallahassee, FL

City-County Employees Credit Union: Clearwater, FL

JAX Federal Credit Union: Atlantic Beach, Hilliard, Orange Park, Jacksonville, FL

 Jetstream Federal Credit Union: Doral, Hialeah, Coconut Grove, Miami Lakes,  Miami, FL

MCcoy Federal Credit Union: Oviedo, Apopka, Orlando, Clermont, Ocoee, Kissimmee, FL

Okaloosa County Teachers Federal Credit Union: Crestview, Fort Walton Beach, Baker, Niceville, Laurel Hill, FL

One South Bank: Chipley, Florida

Orlando Federal Credit Union: Orlando, FL

OneUnited Bank: Miami, FL

San Antonio Citizens Federal Credit Union: San Antonio, Dade City, Zephyrhills, FL

South Florida Educational Federal Credit Union: Miami, FL

Other Good Banks and Credit Unions in Florida

Provident Bank:
Banks Details: Opened in 1888, the bank has 7 branched in FL which are reported not to use ChexSystems for new bank accounts’ verification.

Fifth Third Bank:
Banks Details: Some branches of this bank do not use service from ChexSystems if you apply for new accounts.

Ameris Bank:

Banks Details: Opened in 1971, the bank can provide customers with several different checking accounts for different personal needs.

First Coast Community Bank:
Banks Details: The bank is a part of the famous community bank called Synovus Bank, which can offer various personal and business banking options.

Republic Bank and Trust Company:
Banks Details: The bank offers second chance account which is called Honor Plus Account. This kind of accounts have no minimum balance requirement and offer unlimited check writing that can help customers to rebuild their banking privileges with ease.

Southern Commerce Bank:
Banks Details: The bank offers various services including Wire Transfer, Personal Loans, Check Cashing, Credit Cards, Savings Accounts, Checking Accounts, Business Accounts etc.

1st National Bank of Homestead:
Banks Details: Opened in 1932, the bank will not consider your negative records in ChexSystems for new accounts verification.

Compass Bank:
Banks Details: Use EWS instead of ChexSystems for accounts verification. It also can offer 2nd chance checking to Customers.

Bank United
Banks Details: Some branches of this bank are reported to not use ChexSystems.

Marketplace Bank
Banks Details: The bank is reported to use only Equifax credit report for new account verification.

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