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Here are some of the banks that offer second chance checking accounts: Academy Bank (CO) Bank Of The West (CA) Bank With United (DC, MD, OH, VA, WV)
Overdrafts - Second chance accounts may prohibit overdrafts, meaning if you make a payment without sufficient funds in the account, the bank won't cover the payment. Or, it may charge very high overdraft fees.
What makes BBVA’s accounts the best second chance account in our opinion is that the company is committed to giving customers a second chance without imposing the usual limitations. BBVA’s offers Compass Clear Choice Free Checking, Clear Choice Savings, and Easy Checking — all of which are second chance accounts.
The idea behind a second chance checking account is that it provides a consumer who has no other alternative, a second chance at a bank account .