Second Chance Checking Accounts - Illinois

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

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

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.


2760 N Dirksen Parkway Springfield, IL 62702
4224 North Prospect Decatur, IL 62526
2225 West Market Street Bloomington, IL 61701
1100 Lejune Drive Springfield, IL 62703
3320 Veterans Drive Pekin, IL 61554
300 North Greenbriar Drive Normal, IL 61761
155 East Courtland Morton, IL 61550
1980 Freedom Parkway Washington, IL 61571
8915 North Allen Peoria, IL 61615
1941 W Morton Ave Jacksonville, IL 62650
2610 N Prospect Ave Champaign, IL 61821
505 South Dunlap Avenue Savoy, IL 61874
100 South High Cross Road Urbana, IL 61802
1706 West Reynolds Street Pontiac, IL 61764
416 S Murray Rantoul, IL 61866
101 Dettro Drive Mattoon, IL 61938
1730 East Jackson Road Macomb, IL 61455
659 Knox Square Drive Galesburg, IL 61402
730 Tenney Street Kewanee, IL 61443
5307 Rt 251 Peru, IL 61354
4101 N Vermilion Danville, IL 61834
610 Wesley Drive Wood River, IL 62095
12495 State Rt 143 Highland, IL 62249
505 Riverstone Parkway Kankakee, IL 60901
2080 North State RT 50 Bourbonnais, IL 60914
1601 18th Street Silvis, IL 61282
1530 West Highway 50 OFallon, IL 62269
5555 S US Hwy 41 Terre Haute, IN 47802
2424 West Jefferson Street Joliet, IL 60436
1304 E Main St Robinson, IL 62454
4115 E Lincoln Way Sterling, IL 61081
1640 South Galena Avenue Dixon, IL 61021
2399 South State Road 46 Terre Haute, IN 478
501 E Lincoln Hwy New Lenox, IL 60451
420 South Weber Rd Romeoville, IL 60446
2000 Orchard Rd Montgomery, IL 60538
2300 Rt 34 Oswego, IL 60543
16241 South Farrell Rd Lockport, IL 60441
110 Davidson Avenue Mount Vernon, IL 62864
9245 West 159th Street Orland Hills, IL 60487
9245 West 159th Street Orland Hills, IL 60487
2900 Kirk Road Aurora, IL 60502
12300 South Route 47 Huntley, IL 60142
2545 IL Route 26 South Freeport, IL 61032
1410 South Randall Road Algonquin, IL 60102
3849 Northridge Drive Rockford, IL 61114
1205 IL Route 31 South Crystal Lake, IL 60014
1275 Lake Ave Woodstock, IL 60098
21101 McGuire Road Harvard, IL 60033
6495 Country Club Rd Murphysboro, IL 62966
2802 Outer Road Drive Marion, IL 62959
2680 N IL Route 83 Round Lake Beach, IL 60073
710 South Commercial St Harrisburg, IL 62946
6590 Grand Avenue Gurnee, IL 60031
475 East Route 173 Antioch, IL 60002

Vantage Credit Union - They offer a Fresh Start Checking program in Illinois for people 25 years of age or older and that are not eligible for a Basic Checking due to past account issues or credit problems.


217 E. Ferguson, Wood River, IL 62095
13 Collinsville Ave., East St. Louis, IL 62201

First American Bank - This Illinois bank has a Fresh Start Checking program that is designed to help people that have had problems opening a checking account at other banks. They offer unlimited check writing privileges and a free MasterCard debit card. They require a minimum of 50 dollars to open a account. They have around 50 locations in the Chicago, Illinois area.

USA One Credit Union - Even if you have been turned down for a checking account in the past, they offer you the opportunity to reestablish a checking account relationship under a Fresh Step Checking Program.


4749 Lincoln Mall Drive, Suite 101, Matteson, IL 60443
729 N. Route 83, Suite 303, Bensenville, IL 60106

Great Lakes Credit Union - Offers a second chance checking in Illinois. Requirements are to successfully complete BalanceTrack module "Checking Account Management", $50 minimum checking balance must be maintained, $10 monthly service fee, $250 minimum monthly Direct Deposit, and all other GLCU accounts must remain current.


2135 N IL Route 83, Round Lake Beach, IL 60073
7275 Grand Ave, Gurnee, IL 60031
1509 North Milwaukee Ave, Libertyville, IL 60048
351 E Rt 173, Antioch, IL 60002
2525 Green Bay Rd, North Chicago, IL 60064
3290 N. Lewis Ave, Waukegan, IL 60087
2145 Sheridan Road, Zion, IL 60099
230 South LaSalle Street, 5th Floor, Chicago, IL 60604
18130 Pulaski Road, Country Club Hills, IL 60478

Abri Credit Union - Fresh Start Checking is available to Illinois members who do not qualify for other ACU checking accounts due to prior difficulties maintaining a positive account balance.


122 E. 9th Street, Lockport, IL 60441
1350 W Renwick Road, Romeoville, IL 60446
2800 75th Street, Woodridge, IL 60517
2350 W. McDonough Street, Joliet, IL 60436
7148 Caton Farm Road, Plainfield, IL 60586
20493 S. LaGrange Road, Frankfort, IL 60423

You may also want to apply with your local Credit Unions in Illinois to see if they offer second chance checking accounts if you are unsuccessful with the above list of banks and financial institutions. Last reviewed in January 2012.