Second Chance Checking Accounts - Georgia

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

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.


.180 N Lee Street Forsyth, GA 31029
4221 Atlanta Highway Loganville, GA 30052
2427 Gresham Road SE Atlanta, GA 30316
1025 Bullsboro Drive Newnan, GA 30265
2635 Pleasant Hill Road Duluth, GA 30096

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


1459 Moreland Ave, Atlanta, GA 30316 phone: 404-627-0129
2283 Glenwood Ave, Atlanta, GA 30316 phone: 404-373-4901
1270 Caroline St NE Ste D, Atlanta, GA 30307 phone: 404-588-9857
2 Peachtree St NW, Atlanta, GA 30303 phone: 404-865-4001
240 Peachtree St NW, Atlanta, GA 30303 phone: 404-332-6773
3615 Flat Shoals Rd, Decatur, GA 30034 phone: 404-865-2150
979 Virginia Ave Ne, Atlanta, GA 30306 phone: 404-897-3750
315 W Ponce De Leon Ave, Decatur, GA 30030 phone: 800-869-3557
612 Lee St SW, Atlanta, GA 30310 phone: 404-756-3050
250 E Ponce De Leon Ave, Decatur, GA 30030 phone: 404-929-7676
754 Peachtree St NE Ste M101, Atlanta, GA 30308 phone: 404-249-6489
1221 Columbia Dr, Decatur, GA 30032 phone: 404-286-5571
921 Ralph David Abernathy Blvd SW, Atlanta, GA 30310 phone: 404-865-2140
930 Juniper St NE, Atlanta, GA 30309 phone: 800-869-3557
999 Peachtree St NE Ste 100, Atlanta, GA 30309 phone: 404-865-3010
645 State St NW, Atlanta, GA 30313 phone: 404-853-1960
725 Houston Mill Rd NE, Atlanta, GA 30329 phone: 404-329-1830
1605 Monroe Dr NE, Atlanta, GA 30324 phone: 404-865-2020
171 17th St NW 5th flr, Ste A, Atlanta, GA 30363 phone: 404-214-6120
590 s Central Ave, Hapeville, GA 30354 phone: 404-865-2610
4532 Jonesboro Rd, Forest Park, GA 30297 phone: 404-363-7710
4825 Flat Shoals Pkwy, Decatur, GA 30034 phone: 404-865-2965
2860 E Point St, East Point, GA 30344 phone: 404-763-4910
2942 N Druid Hills Rd NE, Atlanta, GA 30329 phone: 404-865-5525
2349 Cheshire Bridge Rd NE, Atlanta, GA 30324 phone: 404-348-1480

Please check with a Wells Fargo associate for additional banking locations in Georgia.

Atlantic Coast Bank - Offers a second chance checking account in Georgia 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.


505 Haines Avenue, Waycross, GA 31501
2110 Memorial Drive, Waycross, GA 31501
1390 South Gaskin Avenue, Douglas, GA 31533
213 Highway 80 West, Garden City, GA 31408

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