Second Chance Checking Accounts - New Jersey

There are several nationwide banks that may approve you for a second chance checking account in New Jersey 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 New Jersey offer promotions for people who have a negative chexsystems report. Below is a listing of banks in New Jersey, 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: 26 West Park Place Morristown, NJ 07960

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


Doughboy Loop & W 9Th St Bldg 6040, Fort Dix, Nj 08640 Phone: 609-724-7570
284 Dunns Mill Rd, Bordentown, Nj 08505 Phone: 609-298-7600
12 Main St, Robbinsville, Nj 08691 Phone: 609-259-8121
1121 S Broad St, Trenton, Nj 08611 Phone: 609-393-0892
175 Levittown Pkwy, Levittown, Pa 19055 Phone: 215-946-6230
1177 Route 33, Hamilton Square, Nj 08690 Phone: 609-586-6269
1817 Mount Holly Rd, Burlington, Nj 08016 Phone: 609-387-6670
1300 Hamilton Ave, Trenton, Nj 08629 Phone: 609-394-6880
2636 Nottingham Way, Mercerville, Nj 08619 Phone: 609-394-4786
1520 Route 38 Bldg 3, Hainesport, Nj 08036 Phone: 609-267-4900
1 W State St, Trenton, Nj 08608 Phone: 609-656-3071
891 Brunswick Ave, Trenton, Nj 08638 Phone: 609-394-4715
359 Pennington Ave, Trenton, Nj 08618 Phone: 609-826-9395
400 John F Kennedy Way Ste 1, Willingboro, Nj 08046 Phone: 609-871-3220
2495 Us Hwy 1, Lawrenceville, Nj 08648 Phone: 609-895-0800
1488 Pennington Rd, Ewing, Nj 08618 Phone: 609-771-9224
4306 Route 130, Willingboro, Nj 08046 Phone: 609-877-7800

The addresses listed for Wells Fargo is just a partial branch listing of the available banking centers in New Jersey. Please contact a Wells Fargo associate for a full list of branches in your area.

Jersey Shore Federal Credit Union - Offers a Fresh Start Checking Program in New Jersey. Requirements to open a account are: Applicants must be a member in good standing, $25 minimum opening deposit, $15 monthly service fee taken on the last day of the month, Direct Deposit and Payroll Deduction may be required, Successfully completing their inbalance Checking Account Management Education Program within 30 days with a score of 80 or above.


1434 New Road, Northfield, NJ 08225
3317 Route 9 South, Rio Grande, NJ 08242
1 East New York Ave (2nd floor HR building), Somers Point, NJ 08244
Atlantic City International Airport, Atlantic City, NJ 08405

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