Second Chance Checking Accounts - Missouri

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

US Bank - in Saint Louis (newly reported 2/1/09)

Vantage Credit Union - They offer a Fresh Start Checking program in Missouri 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.


1077 Cave Springs Blvd., St. Peters, MO 63376
1467 W. 5th Street, Eureka, MO 63025
601 Greenway Chase, Florissant, MO 63031
29 O'Fallon Square, O'Fallon, MO 63366
9200 Olive Blvd., Olivette, MO 63132
4545 Lemay Ferry Road, St. Louis, MO 63129
3860 S. Lindbergh Blvd., Sunset Hills, MO 63127
1330 YMCA Dr., Festus, MO 63028
1033 Armory Rd., Warrenton, MO 63383
1750 Wentzville Parkway, Wentzville, MO 63385
16260 Truman Blvd., Ellisville, MO 63011
11654 West Florissant, Florissant, MO 63033

Central Bank - They offer a second chance checking account in Missouri that comes with Free Online Banking with banking@home, Unlimited Check Writing, Free Online Bill Pay with eStatements, Free Mobile Banking, Free 24/7 on-demand eStatements, Free Infoline 24 Banking, Free Checks with their Plus Package, Free email and mobile alerts.


238 Madison Street, Jefferson City, MO 65101, (573) 634-1111 or (877) 554-5535

Focus Bank - Has a Fresh Start Checking program in Missouri that allows you to re-establish your banking history. You need $50 to open a account and checks are available to purchase.


101 S Main St, Charleston, MO 63834
323 Ward Ave, Caruthersville, MO 63830
4950 S Highway 105, East Prairie, MO 63845
410 Main Street, Hornersville, MO 63855
1150 S Main St, Sikeston, MO 63801

You may also want to apply for a second chance checking account with your local Credit Unions in Missouri if you are unsuccessful with the above list of banks and financial institutions. Last reviewed in January 2012.