Second Chance Checking Accounts - Minnesota

There are several nationwide banks that may approve you for a second chance checking account in Minnesota 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 Minnesota offer promotions for people who have a negative chexsystems report. Below is a listing of banks in Minnesota, 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: 50 South Sixth Street Minneapolis, MN 55402

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


424 W Washington St, Brainerd, Mn 56401 Phone: 218-828-8618
15146 Dellwood Dr, Baxter, Mn 56401 Phone: 218-828-2181
221 4Th St, Ironton, Mn 56455 Phone: 218-546-8323
4284 Main St,pequot Lakes, Mn 56472 Phone: 218-568-4025
809 10Th Ave N, Sartell, Mn 56377 Phone: 320-650-2280
115 1St St S, Sauk Rapids, Mn 56379 Phone: 320-202-5250
400 1St St S, Saint Cloud, Mn 56301 Phone: 320-259-3100
305 33Rd Ave N, Saint Cloud, Mn 56303 Phone: 320-650-2000
200 33Rd Ave S, Saint Cloud, Mn 56301 Phone: 320-203-4200
304 Maple St, Alexandria, Mn 56308 Phone: 320-762-2181
220 Nw 1St Ave, Grand Rapids, Mn 55744 Phone: 218-326-8521
250 2Nd Ave Ne, Cambridge, Mn 55008 Phone: 612-667-5898
407 Pine St, Monticello, Mn 55362 Phone: 763-295-2290
19290 Freeport St Nw, Elk River, Mn 55330 Phone: 612-667-4646
200 1St St S, Buffalo, Mn 55313 Phone: 763-684-0666
615 Hwy 55 E, Buffalo, Mn 55313 Phone: 612-667-5000
122 3Rd St Nw, Bemidji, Mn 56601 Phone: 218-751-1530
211 Holmes St W, Detroit Lakes, Mn 56501 Phone: 218-847-1361
13510 Rogers Dr, Rogers, Mn 55374 Phone: 763-428-9990
100 N Marshall Ave, Litchfield, Mn 55355 Phone: 320-693-7281
12916 Main St, Rogers, Mn 55374 Phone: 763-428-9311
2024 Paul Bunyan Dr Nw, Bemidji, Mn 56601 Phone: 218-751-3757
1502 Hwy 33 S, Cloquet, Mn 55720 Phone: 218-879-4521
110 3Rd St, Carlton, Mn 55718 Phone: 218-384-4238
430 3Rd St, Dassel, Mn 55325 Phone: 320-275-3396

Please contact Wells Fargo for additional banking locations in Minnesota.

You may also want to apply with your local Credit Union in Minnesota if you are unsuccessful with the above list of banks and financial institutions. Last reviewed in November 2011.