Second Chance Checking Accounts - Arkansas

There are several nationwide banks that may approve you for a second chance checking account in Arkansas while on the chexsystems and current information on how to receive your free chexsystems report which can be viewed and accessed from our main page at second chance checking. However, many local banks in Arkansas offer promotions for people who have a negative chexsystems report. Below is a listing of banks in Arkansas, that we were told, are currently accepting new checking applications for individuals who are on the chexsystems.

Note: This list is to be used as a reference only and we cannot guarantee that you will be approved for a checking account while on the chexsystems. Please help us keep this list up to date by emailing us at with banks in your area that accept people who are on the chexsystems, or whether or not you were approved for a checking account using the list below:

Account Now - Prepaid card that can be used for direct deposit and has a debit/credit card, however it comes with no checks.

Etrade Brokerage - Its a brokerage account but can be used like a checking account. It comes with checks and a visa/debit card. They also have direct deposit available. After you open a brokerage account, wait a few months then apply for a Etrade Bank account and they may just approve you. Unfortunately, they don't have branches in Arkansas, but banking can be done by mail.

Bank Of Arkansas - Second Chance Checking provides unlimited check writing, plus a free services such as: Free Visa Check Card, Free ATMs Nationwide, Free Online Banking with unlimited Free Online BillPay. Overdraft Protection is also available plus monthly imaged statements.

Requirements: $50 minimum opening deposit, $8.95 monthly maintenance fee and the ability to switch to a different Bank of Arkansas checking product, such as Free Checking 2.0 after only five months.

Note: This 2nd chance checking on your Bank of Arkansas Check Card will have a daily purchase limit of $150.


Fayetteville 3500 N. College Fayetteville, AR 72703
1303 S.E. Walton Blvd. Bentonville, AR 72712

Focus Bank - Has a Fresh Start Checking program in Arkansas that allows you to re-establish your banking history. You need $50 to open a account and checks are available to purchase.


406 Southwest Drive, Jonesboro, AR 72401
2525 Stadium Blvd, Jonesboro, AR 72401
7281 Highway 34 E, Marmaduke, AR 72443
3005 W Kingshighway, Paragould, AR 72450
3100 Linwood Drive, Paragould, AR 72450
3313 E Johnson Ave, Jonesboro, AR 72401

You may also want to apply with your local Credit Unions in Arkanasas if you are unsuccessful with the above list of banks and financial institutions. Last reviewed in January 2012.