Second Chance Business Checking Accounts
Free Listing of Banks Offering Second Chance Business Checking Banks

There are banks that provide second chance business checking accounts to small business whose owners are currently or have been listed in ChexSystems. These are real banks offering real business checking accounts.

When you open a business checking account, you will be required to have a legal business entity such as an LLC or S Corp and a business tax id. Please note that sole proprietorship businesses will not be able to open second chance business checking accounts if the owner(s) have been previosly listed in ChexSystems or EWS. Some banks will require a check only on the tax id and others will require a check on the tax id as well as the business owner.

The second chance banking opportunities include both guaranteed and non guaranteed options. We recommend getting a guaranteed option such as the 100% Guaranteed UPside to start with so you have a way to manage money until you find a permanent solution in your area.

»» Guaranteed Approval Solution ««

UPside Classic - Excellent banking alternative with simple fee schedule and offering 100% approval, FDIC insured, online check writing for bill pay needs, no activation fees, no credit check and no ChexSystems check. Monthly fee is $4.95 and can be lowered to $.99 per month with $500 direct deposit per month. Apply Now (link opens in new window)

Other Banking Options - Not Guaranteed

The banks listed have been reported to offer second chance business checking accounts, but we can not guarantee that you will be able to get an account. Be careful applying since denied applications can further damage your ChexSystems report.

IMPORTANT - You should not go into a bank saying you found their bank listed on this site or mention anything about being listed in ChexSystems. The reason is because some of the banks listed do not use any account verification and your mentioning second chance checking or ChexSystems may set off warning signs and cause you not to be approved.

ATTN Banks - If your bank does not offer second chance business checking accounts or if you would like to have your bank removed, please send us an email using the contact form here.

Bank of America - Inconsistent reports, but be warned they are co-owners in Early Warning Services
Bank of the West - Reported they run Chex on the business using EIN
Bank With United - Inconsistent reports
Chase Bank - Reported they run Chex and Early Warning Services on the business using EIN
M&T Bank - Reported they run Chex on the business using EIN, but not signer

Other resources - Bad Credit Business Credit Cards