Second Chance Checking Accounts - Indiana

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


4545 Lafayette Road Indianapolis, IN 46254
10735 Pendleton Pike Lawrence, IN 46236
1133 N Emerson Road Greenwood, IN 46143
9500 East US Highway 36 Avon, IN 46123
8191 Upland Way Camby, IN 46113
400 West Northfield Drive Brownsburg, IN 46112

New additions below reported and added August 31, 2009:

Here are some banks in Indiana that offer second chance checking accounts through the Bank on Evansville program. Some banks have varying waiting periods before you can get a debit card or use certain functions.

Bank of Evansville
Banterra Bank
Diamond Valley FCU
Evansville Commerce Bank
Evansville Federal Credit Union
Evansville Teachers FCU
Farmers State Bank
Fifth Third Bank
First Federal Savings Bank
First Security Bank
Heritage Federal Credit Union
Integra Bank
Legence Bank
Old National Bank
*Sterling United FCU
United Bank

* Sterling Credit Union is actually a non-chexsystems bank.

Horizon Bank - They have a Fresh Start Checking program available in Indiana if you had problems with checking accounts in the past that comes with unlimited check writing, free online banking, and free check safekeeping.


423 South Roosevelt, Chesterton, Indiana 46304
1300 North Main Street, Crown Point, Indiana 46307
1909 East Bristol Street, Elkhart, Indiana 46514
4574 Elkhart Road, Goshen, Indiana 46517
1349 Calumet Avenue, Hammond, Indiana 46394
1500 West Lincolnway, LaPorte, Indiana 46350
8590 Broadway, Merrillville, Indiana 46410
3631 South Franklin Street, Michigan City, Indiana 46360
515 Franklin Square, Michigan City, Indiana 46360
10429 Calumet Ave., Munster, Indiana 46321
2650 Willowcreek Road, Portage, Indiana 46368
17400 State Road 23, South Bend, Indiana 46635
4208 Calumet Avenue, Valparaiso, Indiana 46383
902 E. Lincolnway, Valparaiso, Indiana 46383
113 West First Street, Wanatah, Indiana 46390
1321 -119th Street, Whiting, Indiana 46394

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