Second Chance Checking Accounts - Iowa

There are several nationwide banks that may approve you for a second chance checking account in Iowa 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 Iowa offer promotions for people who have a negative chexsystems report. Below is a listing of banks in Iowa, 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 and has a debit/credit card, however it comes with no checks.

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. Unfortunately, they don't have branches in Iowa, but banking can be done by mail.

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


2220 Hamilton Blvd, Sioux City, Ia 51104 Phone: 712-233-4503
600 4Th St, Sioux City, Ia 51101 Phone: 712-277-7138
2015 S Saint Aubin St, Sioux City, Ia 51106 Phone: 712-277-7166
4360 Sergeant Rd, Sioux City, Ia 51106 Phone: 712-276-0446
1109 Broadway, Denison, Ia 51442 Phone: 712-263-1900
231 W 2Nd St, Ottumwa, Ia 52501 Phone: 641-683-8100
112 S Dubuque St, Iowa City, Ia 52240 Phone: 319-887-7461
327 2Nd St, Coralville, Ia 52241 Phone: 319-338-9814
203 W 3Rd St, Davenport, Ia 52801 Phone: 563-383-3210
128 W 3Rd St, Davenport, Ia 52801 Phone: 563-383-3206
2626 Hickory Grove Rd, Davenport, Ia 52804 Phone: 563-383-3347
1618 N Main St, Davenport, Ia 52803 Phone: 563-328-8430
707 E Kimberly Rd, Davenport, Ia 52807 Phone: 563-383-4990
5309 N Brady St, Davenport, Ia 52806 Phone: 563-383-4951
3200 E Kimberly Rd, Davenport, Ia 52807 Phone: 563-383-3473
2001 Spruce Hills Dr, Bettendorf, Ia 52722 Phone: 563-383-3497
4300 E 53Rd St Ste 101, Davenport, Ia 52807 Phone: 563-328-8300
500 33Rd Ave Sw, Cedar Rapids, Ia 52404 Phone: 319-368-1218
712 Washington St, Pella, Ia 50219 Phone: 641-628-1606

Please check with a Wells Fargo banking associate in Iowa for addtional locations.

You may also want to apply with your local Credit Union in Iowa to see if they offer a second chance checking program if you are unsuccessful with the above list of banks and financial institutions. Last reviewed in November 2011.