Second Chance Checking Accounts - California

There are several nationwide banks that may approve you for a second chance checking account in California 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 California offer promotions for people who have a negative chexsystems report. Below is a listing of banks in California, 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:

US Bank - We have had several reports of US Bank in California offering checking account for those with a negative chexsystems report, however we are unable to verify it with the bank at this time.

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. Banking can also be done by mail.


11713 Gorham Avenue Los Angeles, CA 90049
3200 Bristol Street (corner of Bristol and Anton, across from the Westin) Suite 120 Costa Mesa, CA 92626
9255 Towne Centre Drive (located in building #2, ground floor) Suite 100 San Diego, CA 92121
532 Market Street (corner of Market and Sansome) San Francisco, CA 94104
124 University Avenue (near corner of Alma Street and University) Palo Alto, CA 94301
905 Highland Point Drive Roseville, CA 95678
21243 Hawthorne Blvd Torrance, CA 90503

Wells Fargo - They have a Opportunity Checking Account Package at their branches in the state of California that is tailored for customers who have been unable to open a bank account due to their previous credit or banking history.


401 B St Ste 101, San Diego, Ca 92101 Phone: 619-702-6949
610 1St Ave, San Diego, Ca 92101 Phone: 619-515-1460
829 Orange Ave, Coronado, Ca 92118 Phone: 619-435-2222
1220 Cleveland Ave Ste M113, San Diego, Ca 92103 Phone: 619-543-0096
510 W Washington St, San Diego, Ca 92103 Phone: 619-682-5180
3299 El Cajon Blvd, San Diego, Ca 92104 Phone: 619-238-6554
1350 Fashion Valley Rd, San Diego, Ca 92108 Phone: 619-296-4951
3505-B Sports Arena Blvd, San Diego, Ca 92110 Phone: 619-221-1140
1205 Rosecrans St, San Diego, Ca 92106 Phone: 619-226-1538
5624 Mission Center Rd, San Diego, Ca 92108 Phone: 619-209-6740
3954 W Point Loma Blvd, San Diego, Ca 92110 Phone: 619-225-1011
346 Euclid Ave, San Diego, Ca 92114 Phone: 619-266-9920
1199 Highland Ave, National City, Ca 91950 Phone: 619-477-1194
4690 63Rd St, San Diego, Ca 92115 Phone: 619-583-9084

Please check the website of Wells Fargo for additional branch location in California.

You may also want to apply with your local Credit Union in California if you are unsuccessful with the above list of banks and financial institutions. Last reviewed in November 2011.