There are local banks that provide second chance checking accounts in Maryland. These are real banks offering real FDIC insured checking accounts and are more lenient and either do not use ChexSystems or Early Warning Services or provide special second chance checking or fresh start checking accounts to consumers who have experienced problems with banking in the past. The second chance banking opportunities include both guaranteed and non guaranteed options. We highly recommend that you get a guaranteed option such as the 100% Guaranteed Rush prepaid card to start with so you have a way to manage money until you find a permanent banking solution in your area. This will allow you to pay your bills on time and have a place to direct deposit your pay or monthly benefits and other funds until you get your banking situation straight.
The banks and credit unions that provide special accounts will require that all money owed is paid in full before you open an account. So you should ensure that all accounts listed in ChexSystems and/or Early Warning Services are made current and all money owed has been paid in full before applying for any checking account. Also, be aware that any account that lists fraud or shows activity that would make the bank suspect fraud will cause you to be automatically denied. So if you have fraud or if you do not have the money to get the accounts paid in full and current, you may want to consider getting our recommended guaranteed solution to help manage your money and pay your bills until you can get the fund together to pay past due accounts. You can get more information here and apply here.
»» 100% Guaranteed Approval Solution ««
RUSH CARD – Excellent banking alternative with simple fee schedule and offering 100% approval, FDIC insured, online bill pay, no credit check and no EWS or ChexSystems check. The simple fee schedule and low monthly fees make the Rush prepaid card simply the perfect banking alternative available. Apply Now (link opens in new window)
Local Banking Options – Not Guaranteed
The local Maryland banks listed below have been reported to offer second chance 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. Please understand that we do not make any guarantees or promises concerning your ability to get an account at any of the banks, credit unions or other financial institutions you may find listed on our site. Your ability to get an account will depend solely upon your ability to meet the requirements specified by each of the banks, credit unions or other financial institutions as well as their current business needs.
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 checking or if you would like to have your bank removed, please send us an email using the contact form here
Join our newsletter to get updated local bank information