Second Chance Checking Accounts - Oregon

There are several nationwide banks that may approve you for a second chance checking account in Oregon 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 Oregon offer promotions for people who have a negative chexsystems report. Below is a listing of banks in Oregon, 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: 500 SW 5th Ave Portland, OR 97204

Point West Credit Union - Eligible members may open a Checking account after completing a free inbalance financial education course. A monthly maintenance fee of $10.00 is accessed on this account. The account will automatically convert to a regular free checking account after 12-months without any non-sufficient funds transactions (NSFs) or overdrafts. This Checking includes a limited access ATM card with privileges restricted to $100 daily withdrawal and no deposit ability.

Location: 12th Avenue Branch 718 NE 12th Avenue Portland, OR 97232

Home Federal Bank - This full service checking account is available in Oregon with no minimum balance requirement and is a Fresh Start Checking Account that was designed for those who have had some challenges managing their checking accounts in the past.


606 NW Arizona Ave, Bend, OR 97701
805 NW Bond Street, Bend, OR 97701
671 NE Greenwood, Bend, OR 97701
20365 Empire Avenue, Bend, OR 97701
61379 South Highway 97, Bend, OR 97702
200 SW Century Drive, Bend, OR 97702
1585 Coburg Road, Eugene, OR 97401
899 Pearl Street, Eugene, OR 97401
25 Division Avenue, Eugene, OR 97404
3540 W. 11th, Eugene, OR 97402
660 SE 7th Street, Grants Pass, OR 97528
590 Union Avenue, Grants Pass, OR 97527
1150 SW Hwy 97, Madras, OR 97741
1000 Biddle Road, Medford, OR 97504
295 E Barnett Road, Medford, OR 97501
555 NW Third, Prineville, OR 97754
821 SW 6th St, Redmond, OR 97756
1008 Harlow Road, Springfield, OR 97477

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