Second Chance Checking Accounts - Michigan

There are several nationwide banks that may approve you for a second chance checking account in Michigan 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 Michigan offer promotions for people who have a negative chexsystems report. Below is a listing of banks in Michigan, 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. Banking can also be done by mail.

Location: 31300 Orchard Lake Road Farmington Hills, MI 48334

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


1205 Ludington St, Escanaba, Mi 49829 Phone: 906-789-5236
516 N Lincoln Rd, Escanaba, Mi 49829 Phone: 906-789-5262
1329 8Th Ave, Menominee, Mi 49858 Phone: 906-863-5523
S938 Us Hwy 41, Stephenson, Mi 49887 Phone: 906-753-2205

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


1041 E. Napier Avenue, Benton Harbor, Michigan 49022
500 W. Buffalo St., New Buffalo, Michigan 49117
1300 West Centre Avenue, Suite 104, Portage, Michigan 49024
2608 Niles Road, St. Joseph, Michigan 49085
811 Ship Street, St. Joseph, Michigan 49085
6801 W. U.S. 12, Three Oaks, Michigan 49128

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