Second Chance Checking Account

LOW-COST CHECKING

For just $12 a month, unlock access to the tools you need to get back on track.

UNLIMITED TRANSACTIONS

Spend your money with no limitations and a free Debit Card with your account.

FREE BANKING SERVICES

Online and Mobile Banking, Bill Pay, Text Alerts, and surcharge-free ATMs included.

NO MINIMUM BALANCE

Open with just a $25 opening deposit and no minimum balance requirements!

Debit Card
Your debit card looks like everyone else's with no mention of “second chance." Plus, unlimited debit transactions.
Low Fees
It only takes $25 to open the account, and the $12 monthly service fees are refundable if no NSF fees are incurred in the first 12 months.
No Minimum Balance
Worry less about extra fees. Our Second Chance Checking Accounts has no minimum balance requirements!
Easy Access
Online & Mobile Banking, with free credit score monitoring comes included! Plus, access thousands of Surcharge-free ATMs thru the Co-Op Network!
Account Upgrade
Receive one of our free Checking Account options after 12 months with no NSF fees.

What Our Members Are Saying

"Allegiance gave me a second chance account when no other bank would consider a recent college graduate, with unfortunate but necessary past financial decisions. From card fraud being resolved when someone bought gift cards on my account, to my upgraded cash back account today, it’s been great! YES, they really give you the $12 monthly fees back on your anniversary if you do not overdraft. $144 back is such a reward!"

Emme L.

“Great place to bank. The employees are some of the best I've ever seen. Always friendly, and caring.”

Josh R.

Additional Resources

Man in leather jacket holding his money he got from a personal loan or payday loan in hand.

Personal Loans vs Payday Loans: What’s the Difference

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5 Situations Where You Might Apply for a Second Chance Bank Account

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How much is the fee for the Second Chance Account?

There is a $12 monthly fee. However, all monthly service fees will be refunded if no non-sufficient fund (NSF) fees are incurred in the first 12 months. You will then be upgraded to the checking account of your choice.

Can I qualify for a Second Chance Account if I owe money to another financial institution?

If you meet membership and account qualifications, past banking mistakes shouldn’t keep you from banking with us.

Second Chance Checking

For All Who Need A Fresh Start

Get Back On Track