Second Chance Checking Accounts - New Mexico

There are several nationwide banks that may approve you for a second chance checking account in New Mexico 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 Mexico offer promotions for people who have a negative chexsystems report. Below is a listing of banks in New Mexico, 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

Compass Bank - No minimum balance required, Unlimited check writing, Small monthly service charge, Free online banking, Free Visa Check Card, Open your account with as little as $25, Account and check card subject to approval.


9500 Sage Road SW Albuquerque, NM 87121
505 Marquette Avenue NW Albuquerque, NM 87102
1201 San Pedro Drive NE Albuquerque, NM 87108
3500 Candelaria Road NE Albuquerque, NM 87107
2444 Louisiana Boulevard NE Albuquerque, NM 87110
2444 Louisiana Boulevard NE Albuquerque, NM 87110
4th & Griegos 4624 4th Street NW Albuquerque, NM 87107
12001 Sierra Grande Avenue NE Albuquerque, NM 87112
7530 Montgomery Boulevard NE Albuquerque, NM 87109
6001 Academy Road NE Albuquerque, NM 87109
10042 Coors Boulevard NW Albuquerque, NM 87114
1201 Rio Rancho Drive SE Rio Rancho, NM 87124
707 Mechem Drive Ruidoso, NM 88345
1710 Sudderth Drive Ruidoso, NM 88345
210 Main Street Truth or Consequences, NM 87901
600 9th Street Alamogordo, NM 88310
3800 East Lohman Avenue Las Cruces, NM 88011
225 East Idaho Avenue Las Cruces, NM 88005
411 Cody Road Deming, NM 88030
1245 Country Club Road Santa Teresa, NM 88008

Bank of Albuquerque - Second Chance Checking provides unlimited check writing, plus a number of free services such as a Free Visa Check Card, Convenient ATM locations, Free Online Banking with unlimited Free Online BillPay. Overdraft Protection Available plus Monthly imaged statements.

Requirements: $50 minimum opening deposit, $8.95 monthly maintenance fee and the ability to switch to a different Bank of Albuquerque checking product, such as Free Checking 2.0 after only five months. Minimum requirements are still necessary to open a Second Chance Checking account. Ask a Consumer Banker for details. This 2nd Chance Checking Check Card will have a daily purchase limit of $150.

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

Please see bank websites for branch locations.

You may also want to apply for a second chance checking account with your local Credit Union in New Mexico if you are unsuccessful with the above list of banks and financial institutions. Last reviewed in November 2011.