Second Chance Checking Accounts - Tennessee

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

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


1660 Westgate Cir, Brentwood, Tn 37027 Phone: 615-661-4850
2030 Mallory Ln, Franklin, Tn 37067 Phone: 615-771-6061
210 S Royal Oaks Blvd, Franklin, Tn 37064 Phone: 615-465-1010
4740 Lebanon Rd, Hermitage, Tn 37076 Phone: 615-871-2040
618 Thompson Ln, Nashville, Tn 37204 Phone: 615-242-4726
5415 Maryland Way, Brentwood, Tn 37027 Phone: 615-661-7680
2122 Green Hills Village Dr, Nashville, Tn 37215 Phone: 615-298-7783
230 4Th Ave N, Nashville, Tn 37219 Phone: 615-880-4100
1712 West End Ave, Nashville, Tn 37203 Phone: 615-525-2201
4540 Harding Pike, Nashville, Tn 37205 Phone: 615-279-8015
7514 Hwy 70 S, Nashville, Tn 37221 Phone: 615-662-3090

M and F Bank - Provides a fresh start second chance checking account in Tennessee for banking customers with past checking problems for a low monthly maintenance fee of $9.00.


2323 North Germantown Pkwy, Suite 105, Cordova, TN 38016 901-379-9912
32 East Main Street, Bells, TN 38006 731-663-2121

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