Second Chance Checking Accounts - Florida

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

Compass Bank - No minimum balance required, Unlimited check writing, Small monthly service charge, Free online banking, Free Visa Check Card, Open your account with as little as $25, Account and check card subject to approval.


401 Mariner Boulevard Spring Hill, FL 34609
7205 Forest Oaks Boulevard Spring Hill, FL 34606
2875 East Gulf-to-Lake Highway Inverness, FL 34453
3620 SE Maricamp Road Ocala, FL 34480
5500 SW College Road Ocala, FL 34474
2620 SW 19th Avenue Road Ocala, FL 34474
2 East Independent Drive, Suite 250 Jacksonville, FL 32202
3740 Beach Boulevard Jacksonville, FL 32207
3560 University Boulevard North Jacksonville, FL 32277
1090 South Edgewood Avenue Jacksonville, FL 32205
5992 St. Augustine Road Jacksonville, FL 32207
299 Monument Road Jacksonville, FL 32225
4190 Belfort Road, Suite 100 Jacksonville, FL 32216
10865 Harts Road Jacksonville, FL 32218
10060 Skinner Lake Drive Jacksonville, FL 32246
8730 Baymeadows Road Jacksonville, FL 32256
9550 San Jose Boulevard Jacksonville, FL 32257
8430 Blanding Boulevard Jacksonville, FL 32244
2183 Park Avenue Orange Park, FL 32073
14381 Beach Boulevard Jacksonville Beach, FL 32250
536 Blanding Boulevard Orange Park, FL 32073
120 Bartram Oaks Walk St. Johns, FL 32259
1500 County Road 220 Fleming Island, FL 32003
2300 South 3rd Street Jacksonville Beach, FL 32250
155 Corridor Road Ponte Vedra, FL 32082
2380 Blanding Boulevard Middleburg, FL 32068
4800 First Coast Highway, Suite 200 Amelia Island, FL 32034
1742 South 8th Street Fernandina Beach, FL 32034
1695 US Highway 1 South St. Augustine, FL 32084
3805 Highway A1A South St. Augustine, FL 32080
200 South Lawrence Boulevard Keystone Heights, FL 32656
1140 North Main Street Gainesville, FL 32601
2201 NW 43rd Street Gainesville, FL 32605
5901 West Newberry Road Gainesville, FL 32605
2814 SW 34th Street Gainesville, FL 32608

Woodforest Bank - The second chance checking account is for customer's who might have experienced difficulties with another financial institution in the past. There is a required opening deposit of $50.00 and a one time account set up fee of $9.00. There is a monthly service charge of $7.95 if you have direct deposit, and $9.95 if you do not.


13300 Cortez Blvd Brooksville, FL 34613
4980 East Silver Springs Blvd Ocala, FL 34470

MembersFirst Credit Union Of Florida


Downtown Pensacola 64 South Reus Street Pensacola, FL 32502
250 West Airport Blvd. Pensacola, FL 32505
7176 North 9th Ave. Pensacola, FL 32504
4240 West Fairfield Dr Pensacola, FL 32505
5005 Hwy. 90 Pace. FL 32571-2739

Central Florida Postal Credit Union


301 East Michigan Street Orlando, Florida 32806
10401 Post Office Blvd. Orlando, Florida 32862
800 Rinehart Road Suite 303 Lake Mary, Florida 32746
15155 West Colonial Drive Winter Garden, Florida 34787
2305 Minton Road West Melbourne, Florida 32904

Wells Fargo - They have a Opportunity Checking Account Package at their branches in Florida that is tailored for customers who have been unable to open a bank account due to their previous credit or banking history. Please check with a Wells Fargo associate for banking locations.

M and F Bank - Provides a fresh start second chance checking account in Florida for banking customers with past checking problems for a low monthly maintenance fee of $9.00.


750 East John Sims Parkway, Niceville, FL 32578 850-729-8870

Liberty Savings Bank - If you have had past banking problems and have been reported to ChexSystems, this Clean Slate Checking program in Florida allows you to improve your banking history and start on the path to a solid banking future.


1679 South Tamiami Trail, Venice, FL 34293
4103 South Tamiami Trail, Venice, FL 34293
1411 60th Ave, Bradenton, FL 34207
3901 Cortez Road West, Bradenton, FL 34210
3577 Clark Road, Sarasota, FL 34231
8383 South Tamiami Trail, Sarasota, FL 34236
1950 S Tamiami Tr, Sarasota, FL 34239

Gold Coast Federal Credit Union - This account was created for people in Florida who have had checking problems in the past and comes with a free first order of checks if you sign up for direct deposit.


2226 South Congress Ave., West Palm Beach, FL.33406
10469 Southern Blvd., Royal Palm Beach, Fl. 33411
145 N. Main St., Belle Glade, Fl. 33430
10000 S. US Hwy 1, Port St. Lucie, Fl. 34952
1301 N. Congress Ave., Boynton Beach, Fl. 33426
4060 PGA Blvd, Palm Beach Gardens, Fl. 33410

Atlantic Coast Bank - Offers a second chance checking account in Florida for people who have become hindered because of a limited or blemished credit history. This checking account comes with unlimited check writing, ATM privileges, and free Online banking.


10328 Deerwood Park Boulevard, Jacksonville, FL 32256
1700 South 3rd Street, Jacksonville Beach, FL 32250
2766 Race Track Road, Jacksonville, FL 32259
1425 Atlantic Blvd, Neptune Beach, FL 32266
8048 Normandy Boulevard, Jacksonville, FL 32221
1567 Kingsley Avenue, Orange Park, FL 32073
930 North University Boulevard, Jacksonville, FL 32211

You may also want to apply with your local Credit Unions in Florida for a second chance checking account if you are unsuccessful with the above list of banks and financial institutions. Last reviewed in January 2012.