Second Chance Checking Accounts in Alabama

Guide for Getting Second Chance Checking Accounts in Alabama?

There are several credit unions and banks mentioned which can offer second chance checking accounts in Alabama. That means those financial institutions may not use ChexSystems or any other credit reporting systems while opening new accounts. As you know, you can apply for the special checking accounts online, so I also attached the websites of those banks for you here. 

But I have to tell you that it is not 100% guaranteed. So I also provide you with such a big list of banks and credit unions in Alabama as good alternatives.

List of 2nd Chance Banks in Alabama

These banks can offer second chance checking accounts in Alabama and they do not use any ChexSystems services. But I can not guarantee that you can apply successful. So I provide so many banks in Alabama as alternatives for you.

West Alabama Bank & Trust: Butler, Reform, Marion, Jasper, Carrollton, Ethelsville, Tuscaloosa,Fayette, Gordo, Livingston, Northport, Reform,  Woodstock, Aliceville, Millport, AL.

Family Security Credit UnionAlbertville, Athens, Gardendale, Pine Hill, Cullman, Thomasville, Mobile, Muscle Shoals, Decatur, Madison, Guntersville, Boaz, Hartselle, Moulton, Daphne, AL.

Compass BankPelham Riverchase, Center Point, Eufaula, Montgomery, Auburn, Birmingham, Tuscaloosa, Fairfield, AL

Family Savings Credit Union: St. Scottsboro, St. Rainbow City and Gadsden, AL.

Gulf Winds Federal Credit UnionAtmore, Brewton, AL

Park Community Federal Credit Union: Decatur, AL.

Tuscaloosa VA Federal Credit Union: Northport,  Tuscaloosa and Livingston, AL

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

Mutual Savings Credit Union: Alexander City, Pelham, Clanton, Birmingham, Selma, Calera, AL.

Bank of the Ozarks: Mobile and Geneva, AL.

Alabama Telco Credit Union

Woodforest Bank

The Alabama Credit Union

Azalea City Credit Union

Guardian Credit Union

List of Other Credit Unions in Alabama

Almerica Bank

Alamerica Bank is a bank offering personalized banking services to professional customers and business which is officially opened its doors for business on January 28, 2000. It is such a great bank where customers are known by name, and where bankers take great pride in growing their customers businesses.

  • The Almerica Bank Building
  • 2170 Highland Avenue
  • Suite 150
  • Bimningham, AL 35205
  • Telephone: 205-558-4600
  • Website:
  • Email:

Compass Bank(Use Early Warning Services)

Note: Compass Basic Checking is a second-chance checking package that is great if you have been turned down for checking accounts in the past.

  • 701 South 20th Street
  • Birmingham, AL 35233
  • Telephone: 205-297-3394
  • Website:

Sterling Bank

Sterling Bank is a division of Synovus Bank which is a member of FDIC and Equal Housing Lender. And divisions of Synovus Bank are not separately FDIC-insured banks.


  • 2055 East South Boulevard
  • Suite 105
  • Montgomery AL 36116
  • Telephone: 334-280-7800
  • Website:
  • Email:

Ualley State Bank

Valley State Bank is an independent bank chartered by the State of Alabama on April 4, 1985. Valley State Bank is locally owned and operated. Since its inception, the bank’s primary mission has been to serve the financial needs of Russellville as well as Franklin and Colbert Counties.

  • 15565 Hwy 43
  • Russellville, Alabama 35653
  • Phone: 256-332-3600
  • Website:

Alabama State Employees Credit Union

It can offer convenient services such as online banking, bill pay, eStatements, mobile banking, and Call24 automated banking.
Address(For more

  • 1000 Interstate Park Drive
  • Montgomery, AL 36109
  • Telephone: 334-270-9011
  • Website:

Park Community Federal Credit Union

In 1965, the credit union was established to serve the employees of General Electric’s Appliance Park in Louisville, Kentucky, hence the name “Park” Federal Credit Union. It is a full-service financial institution, helping their members fulfill every financial goal.

  • Address:
  • 2328 Point Mallard Drive
  • Decatur, AL 35601
  • Telephone: 256-353-3616, 800-626-2870
  • Website:

TVA Federal Credit Union

It was established by the Farm Credit Administration June 24, 1936, and enjoys the distinction of being Alabama’s oldest federally chartered credit union.

  • TVA Reservation
  • Muscle Shoals, AL 35661
  • Telephone: 256-386-3000
  • Website:

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